About Loans By Suzette

Loans by Suzette is an independently owned, full service mortgage brokerage firm that provides a complete range of residential and income property financing options. The firm is headquartered in Laguna Beach, California, and handles financing all over the state via their partnership with many of the nation’s leading lenders. LBS analyzes these offerings to determine the best type of financing for each individual. Prior to recommending loan options, detailed information is gathered about the client’s particular financial situation and goals, and Loans by Suzette then recommends solutions that meet specific needs, often saving clients tens of thousands of dollars over the life of the loan.
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The commitment to serving the client with the highest level of professional service by taking advantage of all recent technological innovations, and also offering a personal touch, is what sets Loans by Suzette apart. The staff is extremely experienced, and is able to handle a large volume of transactions efficiently  while maintaining excellent customer service. The majority of LBS business traditionally focuses on the complicated financing of self-employed and high income borrowers and luxury properties. Business managers, CPAs, Realtors, stock brokers and past clients trust Loans by Suzette with their own clients as well as their families. The LBS average loan size exceeds $1,000,000, thus there is a level of experience in the jumbo loan market rarely found at other firms. Investors appreciate the superior quality of the loans with high credit scores and stable income which translates into a lower delinquency rate.  In many instances, this allows LBS special discounted pricing, which is passed onto their clients. Let Loans by Suzette chart you a clear path through the complicated road of mortgage finance. You have a friend in the mortgage business you can trust.


Suzette Lipscomb – President & Founder

Suzette Lipscomb is a mortgage finance expert with nearly three decades of real estate lending experience. She founded Loans by Suzette 16 years ago after 11 years of highly successful mortgage experience. Prior to opening her own company, she was Chief Operating Officer of a nationwide mortgage bank that operated conventional, FHA and alternative lending solutions. As Senior Vice President of National Mortgage Corporation, Suzette opened and staffed the western five states of this large wholesale lender. Prior to this, she started and ran Kentwood Financial, an Alternative Products Division of a California based lender, which was later sold for in excess of $100 million dollars. Her career began with California Federal in 1987 where she was responsible for single and multifamily originations in the most exclusive neighborhoods of Los Angeles, and was frequently recognized for her outstanding production by winning top producer awards and sales contests.

A serial entrepreneur and a third generation contractor, real estate is part of her genetic make up. Her father began to teach her how to build houses when she was only 10 years old. Later, she studied liberal arts and was awarded a Bachelor of Science degree in Economics from UCLA. Since that time, she completed many advanced degree courses in the fields of real estate, finance, business and law. In addition, she holds the following licenses:

  • CA Bureau of Real Estate Broker’s Corporate License #01400059
  • Personal Broker’s License #01159813
  • NMLS Corp License #399178
  • NMLS Personal License #341380
  • General Contractor’s License #
  • Notary License

Suzette is a consultant for other firms, is an expert witness in the area of real estate finance, and is a sought after public speaker who donates her time and money to several organizations.  She has even appeared on Fox 11 Evening News. In her spare time, she travels extensively and writes and photographs for a variety of magazines. Her published articles can be found at http://press.bestoftheworldinc.com.


Robert Carl Wettlin – Processing Manager/Loan Officer

BobBob Wettlin is the Loans by Suzette Processing Manager and a Loan Officer. Born and bred in Southern California, he is an authority on the Orange County finance and real estate market. He has spent his entire career in the mortgage business. A past Bank of America Branch Manager, he learned the ins and outs of private banking, which complimented his extensive mortgage experience. Bob’s 40+ years of lending experience (as a loan agent and processor) give your loan an edge when getting submitted, and his affable personality and excellent customer service skills make an arduous process much easier on LBS clients.  Although both Bob and Suzette both worked for Cal Fed in the 90s, they didn’t meet until 2009 when they began working together making borrower dreams come true.  Bob has a great deal of experience in FHA and VA loans, as well as  HARP, and many of the first time buyer products of Fannie Mae and Freddie Mac.

After serving his country in the United States Armed Forces, Bob studied Business and Biology in college. He graduated from the American School of Mortgage Banking. Perhaps more importantly, he graduated from the U.S. Army Cook School at Fort Ord, California where he literally learned to cook for an army!

Bob holds an NMLS Mortgage Originator License #296655 and a BRE Real Estate Agent License #01041703.