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
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
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!
Feb 11, 2017
Commercial Glazier
Sandy is great! I have worked with her in two home purchases and one refinance. I am a person who asks A LOT of questions and wants to be kept in the loop as far as a transaction's current progress as well as what the next steps are going to be. Sandy is quick to respond and I have never felt left in the dark when working with her. I am sure that if you are one who likes to have things "just taken care of", Sandy would be great to work with as well. She is honest, patient and knowledgeable, and my wife and I appreciate her very much!
Feb 9, 2017
Identification Supervisor
Sandy was incredibly helpful and made my experience the best I've ever had. I recommend her to take care of your mortgage needs.
Feb 8, 2017
Sandy was attentive to our needs to refinance our loan and made the process fast and efficient. We appreciate her knowledge and expertise.
Feb 8, 2017
Project Manager
Sandy Johnson exceeded all expectations. We had a difficult time with the person who was buying our house (separate transaction) and Sandy even helped us with that (not her deal) to make sure we were getting the honest truth and timeline. Sandy was easy to get in contact with, always was available by phone or email and when she wasn't she returned messages very quickly. She was patient with all of our questions and went over scenarios and options so ultimately we could get exactly what we wanted out of our loan. We will use Sandy in the future for any real estate transactions and highly recommend her to all our family and friends.
Dec 9, 2016
911 operator
Sandy is personable and very helpful. Even with delays and situations beyond her control she was on it and kept me up to date. I would definitely recommend her to anyone and they would be completely satisfied.
Dec 9, 2016
My wife's and I had the best experience ever in our recent home purchase and it was made possible by no other than Sandy Johnson. I, for one, am a very skeptical person when it comes to banks and mortgage companies and Sandy made my experience a very positive one. She always answered every question we had, found solutions to every obstacle we ran into and, most importantly, Sandy made our dream of owning a home come true.

Thanks so much Sandy,

The Hawkins family!
Oct 20, 2016
Co-President, PRR Communications
Sandy is the best there is. I have been working with her for over 15 years (and 4 hours). When you make Sandy a part of your home buying process you have someone who is protecting your deal the entire way through. Someone who is alerting you to anyone who is not doing what they need to do and anything that might put your deal in jeopardy. I highly, highly recommend Sandy to anyone who is a first home buyers. One of the houses were were making an offer on needed a 3 week close. Sandy was on VACATION at the time but when we called her she swung into action. Sandy got us closed in 2 weeks. That's Sandy. She is all about her customers. I have referred her to many and every one of those people have personally thanked me for sending them her way. She is a gem and on top of that a lovely person.
Oct 20, 2016
Managing Broker / Realty One Group
I cannot say enough good things about Sandy! I totally trust her with my Clients that they will be taken care of with "amazing" service! I appreciate her honesty to "tell it like it is" upfront on a transaction instead of finding out about a potential problem 3 days before closing like other lenders! I never have to worry about the loan closing once I hand them over for loan service. My loans are closed on time with a very happy and thankful Buyer that I recommended Sandy to the transaction! Keep up the good work!!!
Sep 15, 2016
Home Owner, Real Estate Broker
If you have an opportunity to use Sandy Johnson for your home loan I think you will be pleased that you did. She and her team take care of everything and make it as quick and easy as possible. She will be an expert in finding and recommending the right loan for you. I'm proud to recommend her to my real estate clients and to be a returning client myself. Thank you Sandy!
Sep 13, 2016
Loved, loved working with Sandy. She made the process of buying a home for the first time pretty easy. She was on top of everything. She would meet me after work and weekends to get all the documentation we needed. She stayed in constant communication with me via text or email. Sandy made me feel like I was her only client, coming from the banking world I knew that wasn't true, but she has a way about her that makes you feel that way! Sandy gets five stars from me! I highly recommend her, and will for sure use her again!
Sep 13, 2016
Special Project Supervisor at MacDonald-Miller Facility Solutions
It was great working with Sandy as she made the complete process painless as could be. She was very informative and very responsive when I had questions, She had all the forms organized which made it easy to fill out and get back to her in a timely matter. It seemed like we had just start the process and the next thing I knew I was scheduling the appointment for signing closing papers. It was that fast.
I would recommend all my friends and family to Sandy for any financing needs.
Aug 17, 2016
Compliance Manager
This is the 3rd time I have worked with Sandy, because she is amazing at what she does. Sandy assisted me with my first home purchase and it was an outstanding experience. When my husband and I found our second home she was there for us again. She has assisted my daughter with the purchase of her home, and refinance. I have also recommended her to other family members and friends, and will continue to do so. Sandy is not only amazing at what she does she cares for her clients and it shows.
Aug 17, 2016
Sandy was great! Very responsive (to the client, myself, and Escrow) and ready to make sure closing was quick and successful!
Jul 20, 2016
Sandy was a pleasure to work with. She was very attentive and knowledgeable throughout our entire refinance process. She answered my questions in a timely manner & was very good to talk to. I was able to trust that she would follow through & work hard to get us the best rate available. I will definitely recommend her to our friends.
Jun 14, 2016
Sandy did a terrific job for my buyer here in NE Washington. Went about as smoothly as possible. Glad to recommend Sandy.
Jun 14, 2016
Quality Assurance - Boeing
I went through Sandy for 2 houses already and she's always on top of her game. Very knowledgeable and easy to work with. She makes refinancing a home or purchasing a home a very easy to understand process. She was even on vacation and made efforts to assist me!

Thanks so much Sandy you're the best!
May 14, 2016
Happy customer
Sandy did an excellent job! She was able to answer our numerous questions quickly and accurately. She was extremely helpful through all stages of our financing. This is the second house I've bought and I wish I had know Sandy for my first transaction. I will defiantly recommend her services to my friends and family.
May 14, 2016
Group account director
Sandy is the best!! From initial contact through closing we felt like we were her priority. She made sure we got the best rate and loan we could've imagined! The team of Sandy and James is incredible. We are so happy in our new home!! Thank you so much Sandy!
Apr 14, 2016
As a first time home buyer, I had no idea how the home buying process worked and was very intimidated by the process. Sandy did an amazing job of explaining everything to me and always made sure I understood what was going on and our next steps. She made the process very easy and stress free. She got us into our first home quickly and easily and I would recommend her to anyone in a heartbeat! She's very good at what she does and we will definitely be using her again in our future.
Apr 14, 2016
First time buyer
As a first time buyer I walked into the home buying process completely clueless. You guys were a great help. Youanswered my many questions, gave great advice, and just really helped me out a lot!
Mar 16, 2016
Technical Engineer
Sandy was great at taking care of all my mortgage needs and following-up as needed.