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29777 Telegraph Road, Suite 1560 Southfield, MI 48034 Mobile (586) 945-5510 Tel (248) 744-6183 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Sandra Hamlin
- Loan Officer
- Southfield, MI Mortgage Loan Officer
- NMLS #2278481
I’ll be with you every step of the way
Hi, I’m Sandra, and I love helping people accomplish their dream of homeownership! My goal is always to make the homebuying process as seamless and stress-free as possible. I’m passionate about ensuring my clients and their real estate agents feel comfortable and confident throughout the home financing process. That’s why my clients refer their friends and family to me—they’ve seen how I’ve helped them and trust I can help their loved ones too.
With every client, I begin by listening. That’s how I structure your ideal home loan—by understanding your goals and priorities. You may be a first-time homebuyer, a long-time homeowner, buying an investment property, or planning a renovation. I offer a wide range of mortgage programs, from conventional and jumbo to FHA and VA, to find the right one for you at America’s #1 Retail Mortgage Lender.
Outside of work, you might see me on the roads enjoying some “two-wheel therapy” on my Harley Davidson motorcycle—don’t worry, safety always comes first.
Sandra’s testimonials
Guides and resources
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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.
Inspiration for your home loan journey
Frequently asked questions
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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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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.