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Sue Ann Guthman

Sue Ann Guthman

Senior Loan Officer

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Q&A with Sue Ann Guthman

What awards have you received in your field?

I was honored in 2012 through 2022 as a Mortgage Bankers Association of Georgia (MBAG) Gold Award recipient given to recognize loan originators who demonstrate excellence in mortgage banking via production, continuing education, professional ethics, and involvement with the association.
In 2022, I received an award for 10 consecutive years as a Gold Award Winner. I was also a recipient of the Top Gun Award in 2009, an award recognizing top-producing loan originators based on volume by the Georgia Association of Mortgage Professionals.

What makes you different than others in your profession?

My industry knowledge, communication, and responsiveness make the mortgage process pleasant and stress-free for both the clients and real estate agents. I have extensive experience in all programs and scenarios from first time home buyers, retired borrowers, borrowers looking to move up or scale down, borrowers building a home, or real estate investors. As a Mortgage Advisor, I can assist the borrower in finding the best loan program to meet their needs. I have expertise in all types of financing including Conventional, Jumbo, FHA, VA, USDA, GA Dream, SC Housing Programs, HomeReady, Home Possible, Investment, Construction to Permanent and Renovation loans.
I also lend in Georgia, South Carolina, North Carolina, Florida, Virginia, Alabama, Texas and Tennessee, among several other states.

What do you enjoy doing on weekends?

I enjoy boating on Lake Keowee, hiking, playing Pickleball and spending time with family and friends.

What organizations have you been active in (career-related and nonprofit)?

I am part of the Downtown Merchants Association of Seneca, a member of both Oconee County and Clemson Chambers, an Affiliate Member of the Western Upstate Association of Realtors serving the Upstate of South Carolina, and an Affiliate Member of the Georgia Upstate Lakes Board of Realtors.

What is a typical day like for you? Describe it.

I respond quickly to calls, emails, and texts at all hours, including nights and weekends. Real estate moves quickly and I am there to assist whenever an agent or borrower needs assistance.

Do you have any skills or talents that most people don't know about?

I am learning to play the drums. It’s a great stress reliever.

Bio of Sue Ann Guthman

Sue Ann has worked in the mortgage industry since 1982 and has extensive experience in both purchases and refinancing existing mortgages. She is committed to serving each client with professionalism and strives to ensure her clients receive a mortgage that fits their lifestyle and financial needs. Sue Ann’s goal is to provide excellent customer service and ensure that buying or refinancing your home is a pleasant experience. Sue Ann offers expert knowledge on current loan programs for primary residents, second home, and investor loans, and she keeps up with market trends to help her customers make the best decisions. During her career, she has been honored with multiple awards, recognizing top mortgage professionals who demonstrate excellence in the industry.  Sue Ann volunteers to teach homebuyers classes to help buyers have a better understanding of the path to homeownership. Sue Ann also has expertise in assisting buyers with the purchase of their vacation and retirement homes in the Lake Hartwell and Lake Keowee area.


Loan Support Team

  • Allison Johnson
    Loan Officer Assistant III
    (770) 627-5964
  • Sheila Simon
    Loan Officer Assistant & Processor
    (678) 265-8523
    [email protected]
  • Steve Guthman
    Production Partner
    (864) 990-4356
    [email protected]

Mortgage Market Interest Rates

Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.

The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.

Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMI™ (“Optimal Blue Mortgage Market Indices”). The OBMMI™ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (“Optimal Blue”) product and pricing engine (“PPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.

What Customers Say About Sue Ann Guthman

Total Reviews

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Posted on August 15, 2022
Sue Ann was great to work with, covered all bases and communicated well at every step. She was very helpful with the app for BSM and it also made the whole experience better.
Posted on May 30, 2022
Great communication throughout the process. Very responsive to my questions and requests. Everything went smoothly and on time. Sue Ann and her team did a great job with helping me close on my home. Thank you for your hard work and dedication.
Posted on April 5, 2022
This was my second time working with Sue Ann. I was referred to her by a local realtor whose clients have all had great experiences with Sue Ann. Sue Ann has reached out to let me know of opportunities that may benefit me with my mortgage. Once you start the process, you will appreciate her responsiveness as she and her staff are always available to help you through the process. I highly recommend working with her and her team.
Everard Cowan
Posted on February 8, 2022
Sue Ann Guthman and her team are outstanding. They are knowledgeable and responsive. They helped us navigate through the process and provided timely feedback. We strongly recommend Sue Ann, her team and BankSouth Mortgage.
Randy Whitaker
Posted on April 20, 2021
Sue Ann was great to work with from the very start. She kept us informed throughout the entire process. She was available & responsive to all of our questions & concerns. This was an extremely smooth process & I wouldn't hesitate using her again!!
Posted on June 4, 2020
I had a very difficult situation. All during Covid. Sue Ann and her team went above and beyond to make things happen for me. I would refer anyone to her.
Glenn Payne
Posted on January 20, 2019
Had a great experience working with Sue Ann Guthman and her team to have our home loan approved. They were very friendly, professional, and prompt, as well as offered very competitive rates and points. I would definitely use their services again through BankSouth in the future!
Posted on February 4, 2017
I highly recommend Sue Ann for any mortgage needs. Her friendly staff made everything so easy, and her experience and attention to details was second to none. Five stars!
Posted on June 10, 2016
My wife and I worked with Sue Ann on our recent loan for our move to east Cobb. She and her team did an amazing job! They were so responsive and helpful through the entire process. I will be referring her team moving forward!
Posted on September 1, 2015
I have personally closed two loans in the past year with Sue Ann. She is always prompt with her responses, she and her staff keep me in the loop throughout the whole process. There is no guess work as to where my loan is in the process. And unlike so many lenders, I was approved at least 10 days prior to closing both times with very little stress involved. I recommend Sue Ann to everyone who asks.
Posted on August 30, 2015
Sue Ann was a pleasure to work with! She completely exceeded our expectations. She is incredibly professional and knowledgeable! Sue Ann was timely in answering any questions we had and made our home buying experience stress-free!
Posted on December 2, 2014
Sue Ann has worked with me on several loans and has always been knowledgeable and very responsive. I trust her advice and appreciate the service she has provided me over the years. Very prompt and professional, I highly recommend her to others looking for mortgage solutions for a home purchase or refinance.
juan ogando409
Posted on December 1, 2014
Im very satisfied with the service, very professional people and very helpful. I got my loan and i was able to do the clossing pretty quick with no issues
Posted on November 30, 2014
Sue Ann and her co-workers worked hard to obtain the mortgage that best suited my situation in order for me to buy my first home. I highly recommend Sue Ann to work with you and your needs for a mortgage. It was so nice to be treated so well. Thank you Sue Ann and team!
Posted on September 19, 2014
Sue was a pleasure to work with and made the whole process smooth and easy. We were able to handle everything on the phone along with her team. I recommend her and BankSouth to handle the mortgage.
Posted on April 11, 2014
Sue Ann did an excellent job in all aspects of the loan process. She took the time to understand what I was looking for in a mortgage and to provide the best loan possible for my situation. She was always available to answer questions (phone or email) and responded quickly and professionally when problems were encountered at closing (on the seller's side) so that I would not lose the house. She took the time to attend both closings to make sure that everything went smoothly on my side of the transaction. I would definitely recommend Sue Ann for anyone looking for a mortgage.
Posted on April 3, 2014
Working with Sue Ann was great. She was quick to get things together and when we had issues during our first attempt at closing due to an issue with the house, she was quick to make adjustments and ensure that our loan didn't fall through. 6 weeks later, we were ready to close and Sue Ann had everything ready to go so that the second closing went smoothly and the terms of our loan were still in place. Sue Ann was great to work with!
laura luksik
Posted on March 21, 2014
This is the second time we've obtained a loan through Sue Ann. Both times she helped us we were out of state. She was a fantastic help and was always available to assist us with any questions we had. Her and her co-workers were very knowledgeable and made the home buying process a little less daunting. We highly recommend her!
Posted on March 7, 2014
Sue Ann and her team were great! She was there every step of the way for me and was extremely informative and knowledgeable. She made the whole process very streamlined and worry-free. I would recommend Sue Ann to anyone looking for a pain-free mortgage process.
Posted on March 3, 2014
Working with Sue Ann was a dream! I have already recommended her to several friends since closing on our home just a few months ago. She was professional, proactive and responsive, and she played a critical role in the purchase of our first home being smooth and stress-free. I can't recommend working with Sue Ann highly enough!

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