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  • 200 Mineral Springs Road, Suite 205 Rockaway, NJ 07866 Mobile (973) 670-9702 Sandy.Davis@ccm.com
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Your Local CrossCountry Mortgage Loan Officer

Sandy Davis

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  • Senior Loan Officer
  • Rockaway, NJ Mortgage Loan Officer
  • NMLS #172843
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I’ll be with you every step of the way

Hi, my name is Sandy Davis, and I’ve had the pleasure of helping countless clients navigate home financing for more than 20 years. Along the way, I’ve been honored with numerous awards, including being named one of the Top 1% Mortgage Originators in America by Mortgage Executive Magazine, a Top Originator by Scotsman Guide, and a Five-Star Mortgage Professional for multiple years.

As a loan officer servicing NJ, NY, PA and FL, I’m here to offer you the resources and support of America’s #1 Retail Mortgage Lender. These awards reflect my commitment to excellence – but the biggest reward is seeing the look of pure satisfaction on my clients’ faces when they finally get to say, “Home sweet home.”

Whether you’re a first-time homebuyer ready to embark on this exciting adventure, hunting for your dream home, or looking to renovate, we can discuss a wide range of financing solutions. My goal is simple: to find the right loan for your unique situation, setting you up for success for years to come.

My social posts

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Jun 5
Your gym, your rules. Smart tech lets you set the perfect vibe—lights, temp and tunes—so every workout feels just right.

🔊 Voice-activated speakers are a must for blasting your favorite...
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Jun 3
The only thing better than getting a great mortgage? Refinancing to get an even better one. We’ll help with both.
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Jun 2
Believe in your strength.
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May 29
You’ve decluttered – congrats! Now you need to decide where to send your unwanted stuff. Donate, sell or toss, then savor your immaculate space.

Calm the chaos in any room w...
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May 27
Knowing your home’s equity gives you the power to make confident decisions. Ready to see yours? Use our calculator. Ready to tap into it? Get in touch.💰
Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A woman in her home office is excited to learn about down payment assistance options.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
A contractor meets with the homeowner and discusses improvements to create their dream home.

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Make Any Home Your Dream Home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life! 

Here’s how: 

  • Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.  
  • Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…you know the hassle. 
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Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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