Salisbury, Maryland, meet Sandy Kaplanges, your dedicated Mortgage Loan Officer Assistant. With 21+ years of experience, Sandy expertly guides Eastern Shore residents toward sustainable homeownership. She simplifies the mortgage process, tailoring solutions for diverse financial situations. As part of Academy Mortgage, a direct lender, Sandy ensures a streamlined, in-house experience from application to funding, eliminating delays. Explore Conventional, FHA, VA, USDA, MMP, and down payment assistance options. Serving Elkton to Ocean City and beyond. See Sandy's 5-star reviews on Experience.com and discover a smoother path to your dream home.