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  • 226 S Main, Suite 202 Romeo, MI 48065 Tel (586) 238-0115 Sandra.Lutz@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Sandee Lutz

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  • National Renovation Sales Manager
  • Romeo, MI Mortgage Loan Officer
  • NMLS #533656
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I’ll be with you every step of the way

Hi, I’m Sandee, based in Romeo, MI, and serving clients in multiple states including IN, FL, MN, and CO. With two decades of experience as a loan officer, I focus on renovation financing. My expertise covers FHA 203k and Homestyle loans, making me your go-to Regional Renovation Sales Manager for making renovation dreams a reality. I graduated from Ferris State University with a Bachelor of Business Administration, and I bring this strong educational background to my role.

Renovation loans aren’t easy, but with my guidance, we’ll navigate through the process together. As part of America’s #1 Retail Mortgage Lender, I’m committed to providing personalized support and expertise. Let’s make your renovation dreams a reality!

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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 family takes their first family photo on the porch of their new home thanks to CCM Smart Start.
A contractor meets with the homeowner and discusses improvements to create their dream home.

First-Time Homebuyers – Get up to $5,250!

There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience! 

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life. 

For terms and conditions, visit crosscountrymortgage.com/mortgage/loans/down-payment-assistance/ccm-smart-start/

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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. 
Learn more

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.

    Learn more

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