“The Times They Are a Changin”

In these challenging times, those well written lines by Bob Dylan serve us well. Loans by Suzette is more committed than ever to being a complete and total financial resource for you. We’ve used the slow time in the marketplace to chart our course for the future. LBS has started several new enterprises and affiliated with seasoned professionals to offer new services:

  • Loan Modifications: Don’t Refi , Modify! Take advantage of our attorney based loan modification program through Mods by Suzette.

    If you cannot REFI, then MODIFY!

    Many people are in the same financial boat these days; in need of assistance on a mortgage without a lot of choices in terms of improving the situation in the current financial marketplace.  Whether this is due to income documentation or a decline in income, equity, reserves or assets, there are fewer options for financing now that at any point in my nearly 25 year mortgage career.  The good news is that the options that do exist are at great rates!  While the administration is trying to help, it appears that the new program will not address many of California’s typical customers which include larger balance loans, self-employed borrowers or underwater properties. 

    We have been MODIFYING loans like crazy around here for people who have had a temporary hardship.  While rates are still amazingly low, there are some who cannot qualify for new loans and LOAN MODIFICATIONS are temporarily filling this void.   Please check out our new website to answer some basic questions.  Give us a call if you would like your loan evaluated for a possible MODIFICATION.  Our Loan Modification Services go above and beyond the typical minimum requirements of the DRE.  You can trust us to provide you with guidance that is based on our desire to do what’s best for you – now and in the future. 

    Visit us at www.modsbysuzette.com.

  • Green Consulting: Enlist, Caseverdi Inc (online soon), our subsidiary to build/remodel with state of the art products, low level environmental impact and amazing aesthetic results.

  • Buy/Sell a Business: Our division, Better Business Brokers (online soon) uses our 20 plus years of expertise to list or represent you in retiring or jumping into a new business venture.

  • Expanding Lending Guidelines: Competitive small commercial and new conforming loan limits ($625,500 in CA) raise the possibility of getting new and old properties financed with attractive rates.

May the New Year provide you peace, harmony and happiness!

All the best to you and yours.


All Types of Loans for All Types of People

Welcome to Loans by Suzette – a complete mortgage financing company dedicated to the best pricing, excellent customer services and providing a broad array of products to meet our client’s needs.

There are many good reasons to choose us to handle your upcoming financial needs – the biggest being that we will advise you based on our 20 years of experience with the best course of action for YOU.  While we are in business to finance the purchase and refinance of real estate, we have talked many of our clients out of refinancing over the years if it did not make good financial sense for their needs.  While we are in business to make money, we pride ourselves on recommending solutions for clients that are based on their needs, not our fees.

Loans by Suzette has:

  • Great Rates
  • The Highest Level of Customer Service
  • A Wide Selection of Products
  • Knowledgeable and Efficient Staff
  • Long Term Relationships to Assist with Difficult Transactions
  • Improved Pricing due to our Volume and Typical Client Profile
  • Donated Time and Money to Programs that Contribute to our Community

Our system of customizing All Types of Loans for All Types of People is based on the premise that loan options are vast and you need an experienced guide to navigate the nuance of what makes one program a better choice for you than another.  At Loans by Suzette, we ask questions and listen to your answers.  We want to know what your expected plans are for the property; the length of time you are going to hold it, whether your income is likely to increase or decrease over the next several years or if this is your first home purchase and you need extra time and resources for addressing your questions.

Our business is entirely referral based, so it is our goal that you return happily.  Our closing ratio is triple the industry average.  We work tirelessly to make the Loan Process as easy as possible.  We work hard for and appreciate the referral of friends and family and treat each and every customer as if they are our only one.

If you give us the privilege of arranging your financing, you will find out why more than 80% of our customer base becomes a repeat customer.  Don’t delay, rates are moving.  Chose the ultimate professionals to guide you through the process.



Our goal is to make the process as easy as possible for you. Please download your Loan Application Form right from our site. You will need the Adobe Acrobat Reader in order to do so. In the event the Acrobat Reader is not yet installed on your system, it can be downloaded here free of charge.

Loan Application

Loan Disclosure Forms

As an alternative, please feel free to e-mail us or give us a call at 1.888.SUZETTE. We will fax or mail you the necessary forms immediately.



Here's what people are saying behind my back!

"I would like to tell the rest of the refinance-searching world about my successful experience with Loans by Suzette. The firm was recommended to me by a relative, but I was still hesitant, since it was not a local business, and I worried about long distance communications getting in the way of sealing a deal. They reassured me that through fax machines and email, my loan would be handled as efficiently as if I were next door. It proved true!

Everything was done quickly and easily. After a credit report showed one outstanding debt, Loans by Suzette helped clear the problem and then proceeded, with minimal effort from me, to find me the lowest rates possible. They did all the work, setting up the appraisal, searching for the best loan, waiting for the best moment to lock in my rate. Before I knew it, I had a new loan at a much lower rate, and even though I switched from a 30-year to a 15-year loan, I had lower monthly payments.

Throughout the process, I was treated politely and well educated about all my options. Once the papers were signed and notarized, I felt satisfied that I had obtained the best loan possible for my situation. I couldn't be more pleased."

Lisa C. Lee    

Recent Projects

Click image to view larger picture



Here are some links that might be of interest to you.

myfico.com - Check your credit scores on-line

annualcreditreport.com - Free Credit Report

HUD News Release - (October 1, 2008)

First Time Homebuyer Tax Credit - Housing & Economic Revovery Act of 2008


About Us

Suzette Lipscomb has affiliated herself with a top tier mortgage company headquartered in Orange County with access to many nationwide lenders, most of which are the most competitive in a given market.

She began her finance career shortly after graduating from UCLA with a Bachelor of Arts in Economics. She furthered her education by taking graduate level courses in the fields of real estate, general business, accounting and law. She started her mortgage career at California Federal's headquarters in 1986. Since that time Suzette has been a top producer, managed multiple branches, consulted to many top mortgage lenders, headed up two startup mortgage operations, built one from scratch, and for the last ten years has been living “happily ever after” in Laguna Beach, CA.

In addition, Ms. Lipscomb is a member of the following organizations:

  • Laguna Board of Realtors
  • California Association of Realtors
  • UCLA Alumni Association
  • Laguna Beach Chamber of Commerce

All of this experience adds up to better, more efficient solutions for you.

Over the last decade, the mortgage world has changed significantly. Competition has driven up loan to value ratios and product lines have expanded beyond the traditional portfolio lender guidelines. It is now possible to finance unique properties or less than perfect credit borrowers at much better rates and terms than were previously offered.

In addition, there are multiple types of first and second trust deed combinations that make financing higher loan amounts easier and cheaper. Please call us to discuss the options available in today's market. We will tailor a solution to meet your particular needs.

Ms. Lipscomb is a member of the Laguna Beach Chamber of Commerce as well as the Laguna Board of Realtors. She is currently serving as the Affiliate Secretary and contributes regularly to event planning, marketing sessions and charity fundraising for the Board.

Ms Lipscomb lives and works in the community of Laguna Beach and believes in giving back with time and money. She either volunteers/donates time or money to the following organizations:

  • AIDS Project LA
  • American Cancer Society
  • American Lung Association
  • CHOC Pediatric Cancer Research Fund
  • Los Angeles Times Children's Camp
  • Sourjourn (A Center for Battered Women)
  • This Little Light (Children's Hospital Los Angeles)
  • Union Rescue Mission



e-Mail: click here

Phone: 888.SUZETTE (888.789.3883) or 949.376.9789
Cell: 714.423.0989
Fax: 949.376.3319

Mail : 430 Forest Avenue, Laguna Beach, CA 92651

As always, you will receive a prompt response to your query.

© Loans by Suzette 2000 - 2011
430 Forest Avenue, Laguna Beach, CA 92651

949.376.9789 Phone - 949.376.3319 Fax