Sandi, a seasoned mortgage banker with over 20 years of experience, has carved out a niche specializing in physician mortgages. Her journey into this unique field began by working with wealthy clients, many of whom happened to be physicians. When a Physician Program was introduced at her workplace, Sandi seized the opportunity to expand her network and expertise, ultimately establishing herself as a trusted advisor on a national scale. Physician mortgages offer distinct advantages over traditional options, particularly for those without a full 20% down payment or those in the early stages of their medical careers. Sandi emphasizes flexibility and tailored solutions, debunking common myths such as higher interest rates associated with physician mortgages. Building trust and rapport with her clients is paramount for Sandi, who approaches each interaction by asking the right questions and understanding their individual needs and goals. She provides clarity and guidance throughout the mortgage process, encouraging clients to ask questions freely and ensuring they feel comfortable every step of the way. Sandi's advice applies to physicians at every stage of their careers, from residents and fellows to attending physicians. She believes in empowering her clients to make informed decisions about their mortgages, considering factors such as fixed versus adjustable rates and down payment options. Continuous learning and staying informed about industry developments are essential for Sandi, who ensures she and her team provide excellent service to clients. From application to closing and beyond, Sandi and her team keep clients well-informed, acting as liaisons and providing support whenever needed. In essence, Sandi's expertise, dedication, and personalized approach make her a valuable ally for physicians navigating the complexities of the mortgage landscape, enabling them to achieve their homeownership goals with confidence and peace of mind. NMLS#564023