Mortgages by Sue Ann Guthman - NMLS #200802 - BankSouth Mortgage
Sue Ann Guthman, VP, Sr. Loan Officer at BankSouth Mortgage
NMLS #200802
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 ho
me 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.
10/01/2025
Self-employed? You can still qualify for a mortgage... You just need the right preparation.
Here’s a 7-step mortgage readiness checklist to help independent contractors, small business owners, and 1099 earners stay organized.
Save this checklist for when you’re ready to start your home loan journey, and when you are, I’ll be here to walk you through it.
👉 Message me anytime if you’d like to talk about your next step.
• $11.2 Trillion in U.S. home equity
• $1.2 Trillion in consumer debt
• What’s your financial opportunity?
Homeowners are carrying record consumer debt — often with sky-high interest. What if your home equity could help you wipe it out? Let’s run the numbers. 🏡📉
📦 Need to buy before you sell? You’re not alone—and you’re not stuck.
Today’s market moves fast, and sometimes the right home comes along before your current one is ready to list. That’s where Transition Loans come in—specialized solutions that help you move forward with less stress and more flexibility.
✨ Two smart options to consider:
➡️ Bridge Loan
This short-term loan gives you access to the equity in your current home before it sells—helping you cover the down payment or closing costs on your next home. It’s often structured as a second mortgage or HELOC.
➡️ Piggyback Loan (aka 80-10-10)
Want to avoid PMI or increase your buying power? This option combines your primary mortgage with a second mortgage, plus a 10% down payment—giving you more flexibility and potentially lower monthly costs.
Whether you’re upsizing, relocating, or making a strategic move, we’re here to walk you through your options with clarity and confidence.
📞 Let’s talk about how we can help you bridge the gap—and get you home.
Great news for homebuyers: BankSouth Mortgage has increased the conforming loan limit to $819,000, effective on new applications and CICs as of September 19, 2025.
This allows qualified buyers to purchase up to $862,000 with just 5% down, while avoiding jumbo financing. If you’re thinking about buying this fall, this update could give you more flexibility and more options.
Let’s connect and talk through what this means for your next move.
The Fed just cut rates by 0.25%, moving the target range to 4.00%–4.25%.
This could mean more affordability for buyers and new opportunities for homeowners to refinance. If you have been waiting on the sidelines, this may be the right time to take another look.
Let’s review your options together and see if a move now makes sense for you.
📊 Big Shifts in the Market This Week: Mortgage apps jumped 30% as rates dropped, refis soared 58%, and home price growth held steady. Meanwhile, job growth was revised down by 911K and jobless claims hit a 4-year high. Here's what it all means for real estate pros 👇
📉 Rates Steady, Market Cautious
Home price growth is slowing, pending contracts dipped, and inflation matched expectations — keeping a Fed rate cut in play. Here's what matters most for agents this week ⬇️
📊 Buyer activity is picking up as more listings hit the market and inflation trends show early signs of cooling. This week’s update points to growing opportunity, whether you’re exploring homeownership or guiding clients who are.
Your school schedule’s full, but getting pre-approved doesn’t have to be.
With the ReadyLoan® app, you can:
✅ Apply after school drop-off
✅ Upload docs between activities
✅ Track your loan 24/7
✅ Message your loan officer in real time
Mortgage planning that fits real life? That’s A+ service.
Inflation holds steady, wholesale prices spike, and consumers keep spending — but signs of cooling are showing. Here’s what smart agents are watching this week 👇
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Send a message to Mortgages by Sue Ann Guthman - NMLS #200802 - BankSouth Mortgage:
Sue Ann Guthman 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 integrity and strives to ensure her clients receive a mortgage that best fits their lifestyle and financial needs. Her industry knowledge, communication, and responsiveness make the mortgage process pleasant and stress-free for both the clients and real estate agents.
She was honored 2012 through 2020 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. She 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. She is also part of the Downtown Merchants Association of Seneca, 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.
Sue Ann has 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. She lends in Georgia, South Carolina, North Carolina, Florida, Virginia, Alabama, Texas and Tennessee, among several other states.
Sue Ann enjoys boating on Lake Keowee, and especially likes to help buyers purchase their vacation and retirement homes in the Lake Hartwell and Lake Keowee area.
NMLS #200802
Bank South Mortgage #690971
