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  • SunTrust

Timothy Sutherland
Loan Officer (21 years experience)


Purchase Loan

Add personality to your profile! Tell the community about yourself, your home, and your profession.

I've been originating mortgages since 1993 and have been with SunTrust since 2006.

2013 Platinum Performance Excellence Winner.

Top Producer 2008, 2009, 2010, 2011, 2012, 2013 

Equal Housing Lender.
      Equal Housing Lender. SunTrust Mortgage, Inc., 901 Semmes Avenue, Richmond, VA 23224, NMLS # 2915, is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee; is a Lender in Massachusetts having Mortgage Lender license #s ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214, ML2442, ML2491, and ML2538; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance; is a licensed lender in Rhode Island; and is doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020. ©2013 SunTrust Banks, Inc. SunTrust, SunTrust Mortgage and Live Solid. Bank Solid. are federally registered service marks of SunTrust Banks, Inc
Ratings & Reviews
- Highly likely to recommend
04/02/2014 - benjamincahill
Closed purchase loan. Capitol Hill, Washington, DC
Tim and his team offered the best rate for us (by a fairly wide margin). He was responsive, and his processor and assistants were very thorough. We had a relatively short turnaround for closing and they were able to push it through. I would highly recommend Tim Sutherland and his team at SunTrust.
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- Highly likely to recommend
11/25/2013 - phillips39
Closed purchase loan. Annapolis, MD
Tim and his team are the best in the business! My husband and I were greatly impressed with their professionalism, their responsiveness and their level of communication. We closed on our loan quickly thanks to their hard work and attention to detail throughout the entire process.
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- Highly likely to recommend
11/05/2013 - schuttsjc
Closed purchase loan. Huguenot, Richmond, VA
We found Tim online after researching mortgages and the home buying process on the Zillow website. I was impressed with all of the stellar reviews, read each one (probably a few times each to be honest), and decided to reach out to Tim (via email) for some rate quotes, just to test the waters and begin the process. His response was immediate, providing many options, and a very fair representation of what costs could/would be.

Through my email interaction with him, I noticed a few of Tim's accolades - Top 10% producer, his unbelievable closed book of business (YTD and it grew every time we emailed each other). I did some more research online about Tim and his office and decided to work with him and Suntrust for our home purchase.We were pre approved for a loan in less than 2 days (I requested we go ahead with the process in the afternoon), and were on our way to finding our dream home.

Now first let me mention, that nearly all of our communications were via email in the beginning. Tim is in Annapolis, we lived in the DC metro area, and our new home location would be in Richmond, VA. Normally, this would make me very skeptical (finding a mortgage lender online, mostly email communication, etc.), however, Tim was so responsive and thorough with every email, there really was no need to jump on a call. I will admit I did call one day, just to see who would/how long it would take to answer :) Tim answered, on the second ring. I never doubted him again.

I contacted Tim late August, we found our home mid September, and closed mid October. My agent warned me the loan process could be arduous, sometimes lenders can take a longer time getting everything together, and that I needed to stay on top of Suntrust, to make sure everything went smoothly. This is great advice, however, the disclaimer is not for Tim and his team. Tim, Jennifer, and Donna were ready to go the day I told them we put contract in. Jennifer and Donna were amazing. They answered all of my questions (there were many!), sometimes multiple times, and helped me understand where we were in the process, what documents they would need, and what to expect next.

Their teamwork and clear instructions made getting all of the documents to the loan processor, Karen, a breeze. Karen was also wonderful. Jennifer and Donna did such a thorough job preparing our file for Karen, Karen had very few requests, and in turn, so did the underwriter. Karen was very kind, quick, and responsive.

There was never a moment where I didn't know what was going on. I always knew I could call any one of the team members and they would answer, and then help me with whatever crazy question I had for them. The loan approval process went much quicker than expected (everyone has a horror story to share when you're buying right?).

Let me share this: they can only work as fast as you do getting supporting documentation to them. I had a strict 24 hour turnaround time limit for myself - meaning they would request something and I would make it my business to scan it over to them in less than 24 hours. They never "sat" on any provided support, and kept the process moving along at a great clip!

I wish I could share every little detail, every time I looked at my husband and said "can you believe how great these people are", "can you believe how seamless this has been", but I won't. Tim and his team are wonderful. Their professionalism, personal touch, and commitment to excellence are unmatched by anyone, in any industry, I have encountered. If you are on the fence about using Tim, jump! He will not disappoint you.

The purchase of our home was a wonderful experience, and we owe it all to Tim and his team!

Thank you so much again Tim, Jennifer, Donna, and Karen!
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116 Defense Hwy
Annapolis, MD  21401
(888) 865-1252
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