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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

  • Laura Williams
    Production Partner
  • Iva Moriarity
  • Steve Guthman
    Production Partner

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

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Irena D J
Posted on June 5, 2023
I prefer not to have my review and name posted
John J W
Posted on May 31, 2023
Sue Ann and associates were responsive and very helpful and patient in explaining the loan process. I would highly recommend her and the team to anyone seeking to take out a loan.
Raymond C M J
Posted on May 26, 2023
Sue Ann is a pure professional, She and her staff handled my needs fast and made the transaction painless. I will send anyone I know to her with out hesitation and know that they will receive nothing but the best.
Beth K J
Posted on May 25, 2023
Thank you. It was a very smooth experience
Duff J
Posted on May 23, 2023
Sue Ann was very professional and through!
Emmett H K
Posted on May 21, 2023
Sue Ann was very responsive and helped us navigate the loan process as first time homebuyers! She helped alleviate our stress and gave us confidence we were getting a great rate and doing things the best way for us!
Susan B A
Posted on May 20, 2023
Sue Ann walked me through the process from start to finish with compassion, as I purchased my home. She was able to educate me along the way and all of our interactions were delightful. She made what seemed an overwhelming process achievable and gave me the confidence to move forward.
Cheryl R
Posted on May 20, 2023
Sue Ann was the epitome of great customer service, knowledge, and excellent communication; it was very easy to ask questions, etc. Sue Ann always followed up very timely to any text or message I sent. I enthusiastically, and without reservation endorse Sue Ann Guthman and team!
Mallory N
Posted on May 16, 2023
The smoothest a home closing process could be.
Cheryl R
Posted on May 12, 2023
Sue Ann Guthman has been beyond amazing! She is knowledgeable, accessible, and has outstanding communication skills; Sue Ann is very personable, and I have been comfortable with her guidance every step of the way. I enthusiastically and without reservation recommend Sue Ann Guthman and Team for your loan needs.

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