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  • SunTrust

Timothy Sutherland
Loan Officer (21 years experience)


Purchase Loan, Home Equity

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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
07/29/2014 - trek09
Closed purchase loan.
I contacted Tim over the weekend with the computer generated quote. Tim responded immediately and left me a VM over the weekend to work with that rate and told me he can close the loan in less than 30 days. His quote was 0.25 percent better than from a reputed lender. Although the competitor was willing to match, I went ahead with SunTrust because I felt more comfortable with Tim and team who had been upfront honest, and a very straight forward and very much on top of the process till the last minute. It is very hard to find folks like Tim in this type of business. Of course kudos to his team who are very efficient in every single step.

Two days before, my settlement agent felt the loan could be delayed to one to three days since it was on fast track, but Suntrust closed it on time. My agent wanted me to go with some one else as I know for sure there is a referral commission everywhere and they try to get money every possible way, but I choose the lender purely based on my research and thanks to Zillow reviews which had helped me to zero in on the SunTrust team with Tim.

I highly recommend Tim and team as they seem to have edge in the industry and they can get you lowest possible rates. More important you also want some one who can help you to close the mortgage in a short amount of time to better compete with other offers on the house of your liking.

Thanks to Tim, Jennifer, Donna and Karen for working on my loan. I am sure to reach out to you for any future mortgage needs.
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- Highly likely to recommend
07/28/2014 - sanvaliz
Closed purchase loan. Rockville, MD
Tim and his team were great. Good rate plus quick closing with no hiccups. We could not ask for anything more. He was responsive. He answered all our questions. I would highly recommend Tim and SunTrust.
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Response from Timothy


- Highly likely to recommend
05/04/2014 - Mluen71
Closed purchase loan.
Responsive, speed, reliable, patient, and knowledgable describe Tim Sutherland and his Suntrust team. My wife and I came to rely heavily on these qualities as we purchased a condominium in Alexandria, and looked to Tim to help us do it from overseas. Although we did extensive research on the home buying process, it was imperative and very comforting to have Tim and his excellent team guide us through the process. Tim is backed by an impressive team of efficient and courteous professionals: Donna Spicer, Karen Wilson, and Jennifer Kruger.

One of the most impressive qualities about Tim is his speed and responsiveness, even during weekends and off-hours. After reading many stellar reviews, I submitted a Zillow inquiry requesting further discussions on a Sunday and was stunned when Tim responded within 30 minutes offering to talk. Within one hour, my wife and I had more clarity on what our lender prospects were and what to expect from Suntrust and Tim. As smart shoppers, however, we continued negotiating with two other lenders. What became immediately clear was Tim's speed and agility that surpassed the other two reputable lenders, and even our real estate agent, who suggested a few others, agreed he was the best choice. Tim gave us a great APR and patiently explained the process.

One of the other qualities that exemplifies Tim is his commitment. We found an incredible condominium with wood floors, fire place, a lot of natural light, and distant view of the Washington Monument. However, within one day of expressing interest, another buyer made an offer. Time was of the essence and Tim moved at amazing speed. Despite a major snow storm that closed Washington, Tim ran into his office, prepared initial documents, and emailed them to us.

As we moved through the process, we worked with talented professionals under Tim. Donna Spicer is incredibly knowledgeable, patient, and will move mountains for clients. We worked extensively with Donna to send & receive a variety of documents and who is great about patiently answering questions. Ironically, a $220 property management fee became a sticking point in order to obtain property management association documents. Donna was outstanding at working through this on our behalf, but what we most appreciated was her determination to prevent us from paying the $220 fee since our initial, separate fee should have covered this expense. As Donna explained to us, "Even $220 is a lot of money." This was reminiscent of a small town banker who genuinely cares about their clients.

Doing this from overseas was a challenge, but Tim and his team worked extremely well with us via email and Skype. As first time buyers, we are glad we did our homework, read reviews, and selected Tim and Suntrust. We highly recommend them.
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Response from Timothy


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Professional Information
116 Defense Hwy
Annapolis, MD  21401
(888) 865-1252
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