Senior Loan Officer | NorCal Mortgage

I’m John Sandoval, a Senior Loan Officer with NorCal Mortgage and a proud U.S. Navy Veteran. After serving four years in Naval Aviation, I transitioned my commitment to service into a career helping others achieve their dream of homeownership. With over 25 years in mortgage lending, I’ve helped thousands of Californians secure the right financing for their unique needs.

I specialize in VA and Veteran home loans, along with conventional, FHA, and investment property financing. My goal is to provide every client with exceptional service, transparent communication, and a smooth lending experience from start to finish.

At NorCal Mortgage, my team and I take the time to match each borrower with the best loan program available for their situation — ensuring competitive terms, clear expectations, and confidence at every step.

Communication and availability are the cornerstones of my approach. When you work with me, you’ll always know where your loan stands and what comes next.

If you’re a veteran, active-duty service member, or California homebuyer, I’d be honored to help you explore your options and make your next move with confidence.

Let’s connect — your path to homeownership starts here.