Sandra Narvaez
Sandra Narvaez is the owner and mortgage loan originator at Xcell Mortgage Company, where she personally guides clients through every step of the financial process. With over 20 years of experience in the mortgage industry, Sandra has built a reputation for combining professionalism with compassion, ensuring that every client feels supported and understood throughout their homeownership journey.
Sandra began her career as a receptionist and, through dedication and persistence, advanced through every stage of mortgage financing. Over the years, she acquired deep expertise in credit evaluation, financial analysis, and all aspects of mortgage loan processing. Her hands-on experience across multiple roles has given her a comprehensive understanding of the lending process, allowing her to provide clients with exceptional insight and guidance tailored to their unique financial needs.
At Xcell Mortgage, Sandra’s philosophy centers on honesty, integrity, and heart. Although the company itself is new, it is founded on decades of collective industry experience and numerous success stories that reflect Sandra’s commitment to helping clients realize their dreams of homeownership. She works with all types of loans, including FHA, VA, USDA, Conventional, Rehab, Commercial, Subprime, Hard Money, and Down Payment Assistance programs.
Sandra takes pride in empowering individuals and families by helping them make informed financial decisions and achieve stability through homeownership. Her mission is simple yet profound — to turn financial challenges into opportunities and make the dream of owning a home a reality for all her clients.
What do you attribute your success to?
I attribute my success to owning my own mortgage business since 2021, where I’ve dedicated myself to helping people from other countries—many of whom don’t speak English—become first-time homeowners. It’s incredibly rewarding to guide clients through such an important step in their lives.
What’s the best career advice you’ve ever received?
The best career advice I’ve ever received is to always be honest and remember that there are no limits to what you can achieve with integrity and hard work.
What values are most important to you in your work and personal life?
Outside of my career, I value creativity and joy. I love cake decorating—it’s a fun and relaxing way for me to express my artistic side.