Sandra Caballero, Mortgage Loan Originator

Phone: (616) 312-9751 Email: SCaballero@HorizonBank.com    NMLS#2244401

Serving Ottawa County, MI

With a strong background in lending, I understand that financing a home is more than a transaction. It is an important financial decision that looks different for every client.

My approach is centered on understanding your goals, providing clear guidance, and helping you explore financing options that make sense for your individual situation.

As a bilingual Mortgage Loan Originator fluent in English and Spanish, I am proud to serve individuals and families throughout West Michigan. I believe communication and education are an important part of the mortgage process, and I am committed to making sure my clients understand their options and know what to expect from application through closing.

Mortgage Options Available:

• Conventional, FHA, VA, USDA, Jumbo, and Portfolio Loans

• Single Close Construction Loans

• Vacant Land and Lot Loans

• First-time Homebuyer Programs

• Down Payment Assistance and Low-Down Payment Options

• Home Equity, Refinancing, Cash-Out Options, and More

Whether you are purchasing your first home, moving into your next one, building, refinancing, or simply exploring what may be possible, I am here to help you navigate your options and move forward with confidence.

Outside of mortgage lending, I enjoy spending time with my family and staying actively involved in the West Michigan community.