Sandy Biven

Sr Loan Officer

NMLS ID: 345365

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and craft a mortgage that’s custom-fit for you.

Sandy Biven

1010 Brandy Lane

Richmond, KY 40475

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Based out of central Kentucky, I have been helping clients with their home loan financing needs for more than 16 years. I understand the importance of answering calls promptly and questions honestly. Whether you are a first-time homebuyer or a seasoned real estate investor, I have the programs and experience to meet your needs. Here at Flagstar, I am able to offer VA, USDA, FHA, conventional, jumbo, as well as renovation financing. While I am based out of Kentucky, I have extensive experience in West Virginia, Ohio, Florida, and Tennessee. We are a 50-state lender, so I can help with both local transactions as well as second or vacation homes nationwide.


When not at work, I enjoy playing basketball, tennis, soccer, spending time with my family, volunteering in the community, and walking my Beagle, Cookie. Contact me for your all of your home financing needs, and enjoy the excellent service that my existing clients have become accustomed to.

I look forward to working with you.

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans
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Are you looking to purchase a new property or refinance an existing one?



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