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Sandy Smith - USA Mortgage - Mortgage Loan Originator

Sandy Smith - USA Mortgage

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Mortgage Loan Originator

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Our USA Mortgage team knows that the purchase of a home is a large investment, financially & emotionally. As your mortgage lender we offer customizable loan products & programs to fit individual needs, a digital process from start to finish... Show More
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  • Encompass
    S
    Stephanie P K
    MT STERLING, KY
    Posted on April 2nd, 2022 02:26 PM
    Sandy helped me through the whole process and was very professional. She made me feel so comfortable & was always available to answer any of my questions
    Reply from Sandy Smith
    November 6th, 2025 11:54 AM
    I am so glad we got everything done for you. Please let me know if I can help in the future.
  • Encompass
    C
    Chiferra D B
    MT STERLING, KY
    Posted on March 24th, 2022 02:09 AM
    Sandy is the reason we own our dream home! She stayed on top of every detail and kept in constant contact over the entire loan process. I would never trust anyone else with any future home loan other than Sandy. She is the best!
    Reply from Sandy Smith
    November 6th, 2025 11:54 AM
    Loved working with you. You are a blessing. I want to see pictures after you get done.
  • Encompass
    L
    Levi G B
    MT STERLING, KY
    Posted on March 23rd, 2022 03:58 PM
    Couldn’t have done this purchase without Sandy’s help and knowledge. She is very understanding up events/situations. Recommend sandy 10/10 times for ourselves and anyone else looking.
  • Encompass
    T
    Tawanna F
    Pineville, KY
    Posted on February 25th, 2022 03:05 PM
    Sandy moves at rapid speed and always has answers to our questions immediately! She’s amazing!
  • Encompass
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    Jonathan R
    BEREA, KY
    Posted on February 14th, 2022 02:32 PM
    Communication was very good. I never felt like I had to wait for an answer on something. She was always replying back to me and answering my questions. She kept me updated throughout the whole process.
  • Encompass
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    Travis C
    RICHMOND, KY
    Posted on February 14th, 2022 12:29 PM
    Great overall customer service
  • Encompass
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    Megan M
    Berea, KY
    Posted on February 12th, 2022 04:42 PM
    Poor communication Procrastinating Disorganized
  • Encompass
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    Taylor P
    Berea, KY
    Posted on February 5th, 2022 10:38 PM
    Sandy was amazing! She was extremely quick to get everything done. She answered all of my questions and was so helpful throughout the whole process.
  • Encompass
    O
    Olivia E
    LAWRENCEBURG, KY
    Posted on January 26th, 2022 11:32 PM
    Sandy was so helpful and knowledgeable with us through the whole process even when the home we waited for 9 months was canceled by the builder, she was still so wonderful to work with and didn’t leave us when that house was cancelled. I will...
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  • Encompass
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    Cody E
    LAWRENCEBURG, KY
    Posted on January 26th, 2022 03:41 PM
    Sandy was very knowledgeable throughout the entire process and was there to answer any questions we had. She was wonderful to work with throughout the entire process.
  • 101110 of 283
    About
    Our USA Mortgage team knows that the purchase of a home is a large investment, financially & emotionally. As your mortgage lender we offer customizable loan products & programs to fit individual needs, a digital process from start to finish, & a local team to guide you every step of the way, to ensure smooth & problem free closings. We make your mortgage fit your life. Above all else, our main goal is to provide a superior customer service experience while properly matching you with a mortgage loan product to help you realize your dream of homeownership. If you are already home & seeking to refinance, secure a 203K or apply for a reverse mortgage; we will get you the help you need close to home. At USA Mortgage, anything is possible.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Specialities
    Mortgage Loans
    FHA, VA, USDA and Conventional Loans
    FHA Loans
    NoDown
    LowDown
    $5,000 Guarantee
    USAdvantage
    Possibility Protection
    View All
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    Addresses and Serving Areas

    Year Started

    2014

    Time Zone

    Central Standard Time (CST)
    Licenses
    • NMLS# 443247
    • GA: 69770
    Hobbies
    • Reading, Hiking and travel
    Disclaimer

    Equal Housing Opportunity

    Not an offer to lend. Subject to credit approval and additional terms apply. DAS Acquisition Company, LLC dba USA Mortgage NMLS #227262. Licensed Lending Area: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI and WY. AZ License Number: 0942576. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Regulated by the CO Division of Real Estate, MA Mortgage Broker & Mortgage Lender MC227262, Licensed by the N.J. Department of Banking and Insurance, OH #RM.850291.000, Licensed under the Oregon Consumer Finance Act, OR License #ML-5723, Rhode Island Licensed Lender, WA #CL-227262. Headquarters: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, Missouri 63141, Toll Free: (888) 250-6522. For licensing information, go to: www.nmlsconsumeraccess.org.