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Sue Ann Guthman

Sue Ann Guthman

VP, Sr. 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.


Awards

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

4.9
Ratings
374
Total Reviews

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R
Rossie Manning III
Posted on April 5, 2024
5.0
Very easy process
W
Wayne Dalton Wilson Jr.
Posted on February 5, 2024
5.0
Great advice and discussion on the front end, and a smooth process throughout.
K
Kathryn Howard
Posted on January 23, 2024
5.0
We were well informed and kept up to date every step of the way.
P
Phyllis Hunter
Posted on January 3, 2024
5.0
Sue Ann was very professional and has a lot of patience. Enjoyed working with Sue Ann and her team.
M
Michael Melonakos
Posted on December 21, 2023
5.0
underwriting back and forth was a little more than usual and became time consuming but ya gotta do your due diligence. Sue Ann and rest of team was great though.
L
Larry Dula
Posted on December 4, 2023
5.0
Sue Ann, is a real pro and it was a pleasure to do business with her from start to finish. I would highly recommend her to anyone looking to get a mortgage. Larry Dula
T
Terrence Patrick Bohan
Posted on November 23, 2023
5.0
Sue Ann and Laura were outstanding. They provided service that was above and beyond. Once the mortgage got ready to move towards closing, one of the team members did not display the same efficiency and customer service.
S
Steven R Shields
Posted on November 18, 2023
5.0
Sue Ann and the complete staff at South State made the stressful process of buying a house very smooth and stress free .. they all are very professional and helpful, and available to answer any questions or concerns.. I would use again, I highly recommend them
Reply from Sue Ann Guthman
Thank you for choosing BankSouth for your financing.  I appreciate your business and am so glad that you had a great experience! 
M
Meredith Morris
Posted on November 9, 2023
5.0
Fast and convienent
Reply from Sue Ann Guthman
Thank you Meredith.
J
James Morris
Posted on November 3, 2023
5.0
We had a great experience with Ms. Guthman - clear, easy support which was provided very quickly.
Reply from Sue Ann Guthman
Thank you James! I really enjoyed working with you.  Please reach out if I can help you in the future.
B
Bradley Shupe
Posted on October 28, 2023
5.0
Really nice people executing at the highest level. This was the easiest and best loan experience we have ever had
Reply from Sue Ann Guthman
Thank you so much for the kind review.  I hope you enjoy your new home.
T
Thomas D. Loggins
Posted on October 27, 2023
5.0
Sue Ann and her team were very helpful and professional. They guided us each step of the way in the process and were always quick to respond to any questions we had!
R
Ryan Louis Bixby
Posted on August 25, 2023
5.0
Sue Ann and her team is always on top of the task at hand and is willing to help you every step of the way. Nothing is skipped over and everything is very thorough. A very structured process helps keep both parties organized and on the same page!
M
Michael Gordon
Posted on August 25, 2023
5.0
The BankSouth Lending folks are great to work with and will always receive our business!
A
Alison Grounds
Posted on August 23, 2023
5.0
Good communication with the entire team and questions answered timely.
M
Megan K Couch
Posted on August 22, 2023
5.0
We’ve used Sue Ann for years & won’t use anyone else! She’s very knowledgeable and jumps through hoops to help in any way she can.
M
Marlen Reyes
Posted on August 11, 2023
5.0
Mrs. Sue Guthman is a great loan officer to work with. She is very attentive, answers any questions promptly and in invested in making your purchase a smooth and pleasant experience.
C
Caitlyn A Lyles
Posted on August 11, 2023
5.0
This was seemless and easy thanks to yall! Thank you so much
T
Treasure Abercrombie
Posted on July 31, 2023
5.0
Laura is amazing! She made buying our very first home so seamless. Would highly recommend bank south mortgage! Thank you!
K
Kelly Hoffman Richards
Posted on July 18, 2023
5.0
Sue Ann was absolutely wonderful and very helpful during this entire process! Thank you!

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