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Sandy Johnson

Sr. Loan Officer & Branch Manager-NMLS# 75395/1850 American Pacific Mortgage Everett Washington State and Nevada
I have been working in the mortgage industry for 25 years; the past 20 as both a loan officer & a branch manager. As a respected & trusted leader in the local mortgage industry, most of my business comes from past clients & referrals. I’m told that my extensive knowledge, coupled with my integrity, makes working with me a pleasant, seamless & overall a great experience.

I truly care & am committed to my clients. I listen to their needs & consider their entire financial picture in their overall mortgage loan strategy. I provide reliable advice to ensure my clients understand their options & can make informed decisions. I won’t refinance a loan or put someone in a mortgage loan at all unless it’s truly in their best interest. Communication is important, but integrity & honesty are my utmost priority in business.

I’m a lifelong resident of Snohomish County & grew up on a dairy farm in Snohomish where my parents both continue to reside. My husband, Russ, & I have 4 adult children, 1 grandson & 3 dogs. Growing up on a farm & having had chores from age 5 on & watching my Dad work 7 days a week taught me to have a very strong work ethic.

I truly love what I do & it is truly a blessing to be able to help my clients achieve one of their greatest investments – their home!

Equal Housing Opportunity
Jan 19, 2022
★ ★ ★ ★ ★
Sandy is very good at what she does. She let my wife and I know what was going on with the loan and each step of the process. Very highly recommend her to take care of your loan needs
Dec 30, 2021
★ ★ ★ ★ ★
My refinance was critical in closing a lengthy separation. Sandy kept me informed and on track resulting in a very satisfying experience!
High rec
Oct 28, 2021
Driver
★ ★ ★ ★ ★
Sandy was very professional and friendly through the whole process. Definitely the least stressed my wife and I have ever had applying for a mortgage.
Sep 29, 2021
★ ★ ★ ★ ★
Sandy was super helpful and responsive whenever we needed her - even on holiday weekends! I always felt I was getting great advice and guidance throughout the entire home buying process. I would not hesitate to recommend her to anyone looking to purchase a home.
Aug 18, 2021
★ ★ ★ ★ ★
This is now our 3rd experience working with Sandy and all I can say is she is truly the best! Very informative and friendly. Kept us in the loop the whole time and let us know what to expect. If you are looking to buy or refinance, do yourself a favor and reach out to Sandy and her team at American Pacific Mortgage in Everett.
Jul 11, 2021
★ ★ ★ ★ ★
Sandy is absolutely wonderful! I have gone with her on two home purchases and three refinances and she is great! Any questions I have are answered promptly and completely. She provides updates during the process and there has never been a surprise along the way. We will continue to call on Sandy in the future with any of our mortgage needs. Thank you Sandy!
Jun 16, 2021
Real Estate Broker
★ ★ ★ ★ ★
Sandy is absolutely amazing to work with! She has so much knowledge and helped me through numerous events throughout our transactions together! Whether it’s working on a Sunday or past business hours, she was always there for me and my clients! I don’t know what I would have done if I didn’t have her! Sandy is the best!
Apr 22, 2021
★ ★ ★ ★ ★
Sandy listened to our needs and worked with us to Refi our Mortgage. Every step was explained, every question answered quickly. We trust Sandy's advice and know she has our best interest at heart. We are very grateful for Sandy and her team.
Mar 23, 2021
Technical System Administrator
★ ★ ★ ★ ★
Sandy Johnson, & American Pacific Mortgage are amazing, I have had the pleasure to work with them twice now. Sandy and her team go out of their way to answer every question I had/have as quickly as they can. Sandy was in constant contact with me keeping me up to date on rates, helping me make the best choice about when it was the absolute best time for me to go forward and get me a great loan at a great
Jan 28, 2021
★ ★ ★ ★ ★
Thank you Sandy for making our first home buying experience a bliss! We were so scared because everything was done virtually, but you were always an email, text or call away any time of the day. No question went on answered and even when we met some unexpected situations, you were able to figure out a solution to make it work best for us. Thankyou so much, I am glad we did this with you.
Jan 22, 2021
Realtor
★ ★ ★ ★ ★
Working with Sandy on my buyers transaction for his first home was an absolute pleasure! She was always a step ahead of what needed to be done and exceeded all expectations when working with a lender. My buyer called me multiple times during the transaction speaking highly of Sandy and it was nice to have such a positive energy surrounding such a major financial decision. Look forward to working with her again. Thank you Sandy!!
Dec 17, 2020
★ ★ ★ ★ ★
Sandy is very professional, knowledgeable and very fast on the refinance process.
We're very grateful to you Sandy for educating and helping us on our home refinancing. Thank you for the excellent service !! I highly recommend Sandy to all homeowners !!!!!
Nov 24, 2020
I
★ ★ ★ ★ ★
Sandy continues to deliver friendly, competent and amazing service. Drama free, ahead of curve service that is predictive and proactive. Her communication and efforts are to emulated but not likely matched. Thank you for helping me look good to my clients and my clients to feel comfortable with my recommendation of you.
Nov 21, 2020
★ ★ ★ ★ ★
Sandy helped us with the loan process purchasing our frist home. As frist time home buyers we had so many questions about the whole process. She was always available,helpfull and petient with us. She is very knowledgeable and professional. She made sure that everything went smoothly. We can't thank her enough for the excellent service. We highly recommend Sandy to anyone.
Oct 13, 2020
Broker & long time client
★ ★ ★ ★ ★
I’ve been using Sandy for my personal needs for the last 8 years! She’s done several home loans and refinances for us and we could not ask for a better lender! She always gives her best advice and multiple scenarios that we can trust & count on! I’ve been referring my clients to Sandy for the last 3 years and she has always gone ABOVE & BEYOND getting them qualified/making suggestions to benefit my clients whether it’s to improve credit score, types of loan, down payment, closing costs ECT... she looks out for her clients! If you’re looking for a lender with amazing communication, very thorough and who will always work in your best interest, LOOK NO FURTHER! Thank you for everything you’ve done for our family, friends and clients Sandy!
Oct 13, 2020
Broker & long time client
★ ★ ★ ★ ★
I’ve been using Sandy for my personal needs for the last 8 years! She’s done several home loans and refinances for us and we could not ask for a better lender! She always gives her best advice and multiple scenarios that we can trust & count on! I’ve been referring my clients to Sandy for the last 3 years and she has always gone ABOVE & BEYOND getting them qualified/making suggestions to benefit my clients whether it’s to improve credit score, types of loan, down payment, closing costs ECT... she looks out for her clients! If you’re looking for a lender with amazing communication, very thorough and who will always work in your best interest, LOOK NO FURTHER! Thank you for everything you’ve done for our family, friends and clients Sandy!
Sep 1, 2020
Mechanic at Boeing
★ ★ ★ ★ ★
Sandy is by far the best agent I ever had! I will highly recommend her to all of my friends and family! Was really straightforward with everything with me! No hidden agenda at all!
Aug 26, 2020
Customer
★ ★ ★ ★ ★
Easiest deal ever! Sandy got me out of a horrible situation with a less than honest broker. Straight forward, no BS deal.

Thanks
Aug 4, 2020
Firefighter
★ ★ ★ ★ ★
Great experience everytime! Sandy has completed my last 4 home purchases. I highly recommend her to all my friends and family.
Jul 1, 2020
Returning Client
★ ★ ★ ★ ★
This is my second time working with Sandy on purchasing a home and she is truly amazing. Sandy kept us well informed and in the loop on our mortgage process. Her friendly and passionate personality make the home buying experience fun. Her knowledge regarding the mortgage process is why I will always come back for whatever my needs may be in the future. I truly recommend Sandy Johnson and the Everett Branch of American Pacific Mortgage.
Jun 18, 2020
20 year fixed refi
★ ★ ★ ★ ★
Sandy made my refinancing effortless she is very profession, helpful, answered any little question i had, and knowledge in the industry. I felt like Sandy was really looking out for my best interest. I would recommend Sandy to anyone interested.
May 12, 2020
Managing Broker
★ ★ ★ ★ ★
Sandy is very well educated and has wonderful communication skills. Our last transaction went smoothly without surprises and that is what we like in the professional Real Estate business. Thank You for Great Service!
Dec 1, 2018
Real Estate Broker
★ ★ ★ ★ ★
It is always a pleasure to work with Sandy Johnson. She is well versed when it comes to mortgage products . She is good listener and takes time to explain and make sure my clients are satisfied. As real estate broker it is important for me to partner with professional who believes in team work and and available to answer questions arise from either parties and their representative. Sandy exceed my expectations always answered her phone, responds quickly and very transparent. I
May 30, 2018
Realtor
★ ★ ★ ★ ★
Sandy and Dale did an amazing job! Even with unexpected delays, at no fault of theirs, they still closed the deal on time. They were professional, communicative, and were always available by phone, text, or email. I highly recommend them for your home loan needs!
Apr 11, 2017
Managing Broker - Realty One Group
I have been using Sandy's mortgage services for over a decade. She is always consistent with her great service! This last transaction, she had documents ready to sign TWO WEEKS before closing!!! That is unheard of now a days with the new disclosure laws.
Thanks Sandy for being the Lender I can always count on!
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My Associations

Equal Housing Opportunity | NMLS #1850