Susan Hines

Branch Manager, VP of Mortgage Lending
663 Route 739, Ste 2, Lords Valley, PA 18428
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NMLS: 31292
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Guaranteed Rate was always available to answer questions or handle any concerns. They did everything possible to make the process flow as smoothly as possible.

Denis B. | June 2018

This is the second time I used Guaranteed Rate & I would use them again.

Peter M. | June 2018

Sue worked tirelessly to get us closed in time!!

Leslie T. | May 2018

It is always my pleasure to work with you on a deal! Thank you for all the hard work you do on your end to make everything work as smoothly as possible.

Karen Rice Chant- Realtor

We will definitely recommend Susan Hines to all our friends, as a very good mortgage specialist. She made the process very simple and always took the time to explain every step. My family is very thankful for the work she has done for the purchase of our first house.

Georgiy E. | May 2018

Susan and her team were wonderful! Extremely responsive and made the process seamless.

Kelsey A. - May | 2018

I cant say enough or give enough credit. Susan Hines is great. She makes you feel very comfortable through the whole process and is always positive. I never thought I would get through this being a worrier, but Susan made it happen..I cant thank her enough.. THANK YOU SUSAN!!

Peter M. - April | 2018

I wish to extend my appreciation and gratitude to Susan Hines and her team for hanging in there with me during this sometimes bumpy road to home ownership. The team was courteous, professional, and efficient while getting me in my home in record time. I would highly recommend them.

Sharon C.

One year anniversary note.. Hi Susan, We are still very happy here as the day we moved in. Couldn’t be happier. Thank you again. Hope all is well with you too. Take care.

Francine 2017

The entire team of people we dealt with at GR were great. Very professional and very responsive. We would highly recommend using Guaranteed Rate for anyone looking to find a great mortgage company.

Bennarr K. - Scotch Plains, NJ

Susan and her team were phenomenal, friendly, easy to work with and very efficient. I will highly recommend them.


Susan Hines at Guarantee in Lords Valley, PA was extremely competent, professional & a pleasure to work with during the mortgage process. Her staff conducted themselves in the same manner & would highly recommend this office to anyone.


Thank you Susan. This is you who are doing a great job!!!!! You are so professional in all this small details to the loan.


Thank you. I do want to mention that you have been great. We’ve appreciated your promptness, directness, and competence.


Susan Hines and her team were a great help and made a process of obtaining a mortgage feel easy and faster than we expected. They were always responsive and clarifying any arising questions immediately. We will definitely use their services.

Elena S.

Thanks again for your support.

Jason | 2017

Thank you for a great job!

Dave K. Re/Max Best

Thank you so much! We are loving our new home! Thanks for all you did for us!

Julia Y. | 2017

Always a pleasure!!!! I tell everyone “You get it done!”

Lynn & Charlie K.

Thank you soooo much!!!!! We greatly appreciate all of your help. Your team has been wonderful, and we will be sure to recommend you guys. We have been extremely happy with the whole process!!!

Melissa & Dave | 2017

Thanks for doing a great job!

Dave K. - Realtor | 2017

Sue, it has been fantastic working with you and I intend on recommending you and Angelina to friends who are interested in buying in the area. I will have many visitors over the next year, so who knows- you may hear from them next spring. Thanks again for all your help!

Allison W.

Thank you for making it happen! Have a safe and happy holiday season.

Jeannette E.

I just wanted to say thank you for a great job! You did a great thing for Brandon. He is a really great guy and was between a rock and a hard place when you stepped in. Thanks again.

Peggie M. - Realtor

Susan goes above-and-beyond on every deal, whether large or small, with attention to all the details. I love closing deals with her and Veronica. Thank you.

Jeff F. | 2017

Susan Hines is one of the nicest, most intelligent woman I have worked with. She made everything work out so easy on my first home purchase.

Paul C. | 2017

Hi Susan, Thanks a lot for everything. You are so professional and you are so great to work with. There is no other way to say it: we’d be lost without you and my brother’s family would never get this house.


If we have someone interested in your services, we definitely refer them to you.

Victoria & Vladimir | 2017

Thank you so much Susan! We are grateful for all your help and that the closing charges had dropped down.

Elaina S.

Thanks so much, Sue, for your part in making it happen!! I'm so grateful that my cup is overflowing.

Lori | 2017

Thanks again for all your help and making it an easy process. We truly appreciate the gift card and can't wait to go.

Robert and Joy

Susan, you the best!!!!! Thank you so much.

Lyudmila | 2017

You’re great Susan! Thank you!

Lidia L.

Thank you, Susan. It Was a pleasure doing business together.

Raina - Realtor | 2017

You bring good news! Thank you very much. It will be our pleasure to review your services as we are very satisfied. We will gladly refer our friends to you, they will be in good hands, your team rocks.Thank you and your team for your services.

Alina and Rafkat

Thank you all for your hard work and patience with me!

Tonya | 2017

Fantastic job, Sue! Thank you for the update. What a delight it is to work with you!!

Kathy B. - Reatlor | 2017

Many thanks for your efforts and support during this rather circuitous journey to Lake Home ownership.

Charles D. | 2017

Thank you all for your kind assistance during the process. I appreciate your professionalism and courtesy toward me every step of the way. I will not hesitate to recommend your company.

Mary Ann S. | 2017

That's fantastic news. Thank you for all your dedication in assuring that everything worked out for the loan. I truly appreciate your hard work and efforts.

Carrie B. | 2017

Susan Hines was extremely knowledgeable and was always there to answer our questions. She was quick to respond and was very helpful throughout the entire process. I would definitely recommend Susan and Guaranteed Rate to friends and family.

The Stormes | 2017

Thank you for all your help!

Kevin O. - Lakeview Coldwell Banker | 2017

Thank you for everything!!!!!

Yamila Y. | 2017

Comment: Sue Hines and her team worked diligently to make my closing happen on time, without a hitch. They were efficient, knowledgeable and always professional. I especially enjoyed Sue's always upbeat, "can-do" attitude!

Lori Z.

Great experience, thanks to all at Guaranteed Rate!

Jason G. - Lords Valley, PA | JAN 2017

About Susan

I am honored and very grateful to all at the Pike/Wayne Association of Realtors for presenting me and my team at Guaranteed Rate with the 2015 Affiliate of the Year Award!

• I have worked as the “Premier” Local Loan Officer for over 25+ years in the ever growing North Eastern Pocono Region; Specializing in Conventional and Government Loans

• Serving both first time homebuyers, move-up buyers and vacation home purchases.

• Using the most up to date technology, I provide a Preapproval prior to house hunting, making the process move even quicker

• My Reputation over these past 25 years has been founded on the belief “Home Ownership is one of the most important decision a person can make in their lifetime”….it needs to be treated with the importance and respect of a major life event. It is my Honor and Responsibility to help as many people as I can secure their Home Ownership Dreams. It is not just a job to me, It is my Calling in Life

• Whatever free times this industry allows, I fill the moments with travels to visit my 2 wonderful children and large family (1 have 10 siblings!) Creating wonderful precious memories of wining & dining, surrounded with Love.

Susan interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
1. The most important step in helping customers finance a Home, is listening to their goals and dreams. After being in the mortgage business for over 23 year. The first question I always ask is \"How can I help you finance your Dream Home\"...they can be either First Time Home Buyers or Vacation Home Buyers, the question gets right to the heart of the matter, insuring I match the best mortgage products to their long term Home Ownership goals. To guarantee a smooth and enjoyable Home buying process, all customer information is requested at the beginning, during the Preapproval process. Happy Home Buyers is my Only Goal...
How has the mortgage industry changed since you started, and what would you expect in the future?
2. The Mortgage and Home buying industry has changed. Change is good! Especially if it better serves the customer and the investor. The more complete detailed review of customers Financials and Credit help insure and protect their Home ownership against future foreclosure. It is unlikely this trend will change. A good thing for all concerned.
What can borrowers do to insure a smooth mortgage underwriting process?
3. The best way to secure a Home Mortgage for your First or Vacation Home in today\'s world is to work with a knowledge and experienced Loan Officer; for there are many required details and varied Mortgage products that would need to be tailored to the Home Buyers specific purchase. Keeping the home buying process moving smoothly requires complete income and asset documentation. Getting a Preapproval prior to house hunting makes the process move even quicker.
What provides you with the most satisfaction in your job as a Loan Officer?
4. My reputation over these past 23 years has been founded on the belief \"Home Ownership is one of the most important decision a person can make in their life time\" needs to be treated with the importance and respect of a major life event. It is my Honor and Responsibility to help as many people as I can secure their Home Ownership Dreams. It is not just a job to me, it is my Calling in Life.
Tell us something that makes you unique or something wacky, yet interesting about you?
5. Along with being a Mortgage Office, I am a strong active supporter of Agencies which help individuals and families affected by domestic violence and sexual assault; this social problem can be prevented and stopped. My strong large family (I have 10 brothers and sisters! and two Awesome children) give me great support and love in helping me achieve all my dreams and goals!

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