I was born and raised in the Lehigh Valley which is why I love doing mortgages here. I graduated from Notre Dame HS and Northampton Community College with a Business Management degree in 12/92. I have been married since 10/94. My husband, John, and I 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 fast-paced and exciting. As I quickly grew within the company I became a Processor and eventually received my certifications to be an Underwriter including my FHA DE Underwriting Authority. In 1996 I realized my knowledge and organizational skills would make a great loan Consultant, so I decided to originate mortgages and have loved it ever since. I treat my customers and referral partners the way I would want to be treated and help educate them during the most important financial transaction of their lives. I know how important it is to keep everyone informed during the mortgage process and stay in touch with them long after the loan goes to closing.
Buying a home can be overwhelming and frustrating without a knowledgeable Loan Officer. Give me the opportunity to work for you and I promise to provide you with peace of mind knowing things will be done right!
Licensed by the N.J. Department of Banking and Insurance
Sandy Novak made everything easy and hassle free. She was available any time for any needs, and she was a pleasure to work with.
Brent C.
The service was courteous, thorough, efficient and we felt as if we were viewed as people rather than just another file number. Special circumstances were given due consideration, and several potential problems were dealt with in a manner satisfactory to everyone.
Lydia S.
Sandy and her team were wonderful to work with. As first time homebuyers, they certainly helped us through the process. I’ve already recommended them to a friend of mine.
Angela G.
I am very fortunate that I had everything I needed to completely this transaction prior to applying for a mortgage. Having that in mind, I had a practically stress free experience with UHM making the biggest purchase of my life!
Mercedes K.
Everything was very well organized and I loved how easy it was to contact everyone and how fast I got answers. Customer service was Amazing.
Luis C.
My experience with UHM was excellent. It made purchasing my home easy and stress free. Sandy was so knowledgeable along with her team. They walked me through every step with ease .
Amanda K.
Sandy Novak and her team were amazing to work with. Sandy was very helpful throughout the entire process in explaining everything and was always available to speak with me when I had questions. I would recommend Sandy and her team. I had a 10 out of 10 experience!