Cristina Sandez

Sales Manager
NMLS # 213356
State Lic AZ #LO-0918253

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity—based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in—house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible

I will be in control of your loan file from start to finish, and I will be up—to—date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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I worked with Cristina Sandez recently on a loan, I been a Real Estate Agent for 14 years and I can honestly say, that very few lenders have the passion, integrity and willingness to help a client with a transaction. Cristina is always looking for the client’s best interest. She was very professional and honest from the beginning to the end and she never gave up. When you have a lender that really cares about your clients well being, this makes all the difference in a transaction. My client was very happy with her services as well.

—Susana Diaz

Cristina was so helpful and made me feel very comfortable with the process, always took the time to go over any concerns I had when receiving any docs! I'll recommend Academy Mortgage to friends and family in a heartbeat!

—Angelica Caraveo

Cristina was amazing! She has a strong team. From the moment Academy began working with our home It became a very smooth transition!

—Karla Reyes