Loan Officer

Sandy Novak Loan Officer

NMLS #535383

(610) 392-6506

2770 Emrick Blvd, Suite B-7
Bethlehem, Pennsylvania 18020

I was born and raised in the Lehigh Valley and love doing mortgages in this area. I graduated from Notre Dame HS and then Northampton Community College with a Business Management degree in 1992. I have been married to my best friend, John, since 1994 and we have 4 children (Johnny, Kyle, Ryan, and Kaitlyn). In April 1993 I started my mortgage career in a small mortgage office as a Case Opener and found the industry to be very fast-paced and exciting.

As I grew within the company I quickly became a Processor and then received my certifications to be an Underwriter, including my FHA DE Underwriting Authority. In 1996, when we had our first child, I wanted to use my skills and knowledge to move into sales so I could spend more time with my family and make my own schedule. That's when I started to Originate loans as a Mortgage Consultant and have loved it ever since.

I get to use my people skills and also educate customers on the different options of financing so we can decide together what program is the best for them and their financial goals. I treat my customers and referral partners the way I would want to be treated and help them during the most important financial transaction of their lives.

I know how important it is to keep everyone informed during the mortgage process, love to attend my settlements, and keep in touch with customers long after they have closed on the loan. Buying a home can be overwhelming and frustrating without a knowledgeable Loan Officer in Bethlehem, PA. Give me the opportunity to work for you and I promise to provide you with peace of mind knowing things will be done right!

Come meet one of the best loan officers in Bethlehem, PA today. Give us a call to start. We look forward to helping you and your family find the home of your dreams.

Your Journey Begins With Us...

We look forward to putting our experience to work for you!

We strive to offer the best mortgage products and services in the industry. By combining our online services with a local mortgage consultant who lives right in your neighborhood, we’re confident that you will receive the personal attention that you deserve. Submit a request for information, and your local mortgage consultant will contact you right away to review your information and advise you on the best loan programs and rates available to meet your financial objectives.

First Time Homebuyer

Finding a mortgage that's right for you should be easy. But there are many programs to choose from and many ways to structure a loan. Review our website to get the basics and then give us a call. We're with you every step of the way on this important investment. READ MORE

Buying a Home

Buying a home can be a complex process, but it doesn't have to be hard. With a little preparation up front, you can save a lot of time and hassle. Learn more about the documentation you need for the loan process and costs involved. And, please don't hesitate to call, so we can answer any questions you may have. READ MORE


People refinance for many reasons: to lower their interest rate, to build equity faster, or to use the equity already established in their home. Regardless of your reasons for wanting to refinance your existing mortgage, we can help you make a decision that works best for you. READ MORE