Sue Lee – Citibank

Want to start off this review with a big thanks to «Sue Lee» for closing our home not only on-​time but before time on really aggressive escrow closing terms.
We got to know Sue from our realtor just a day after we were in contract, so had very little time and really had to close things fast.
Sue is prompt, professional, and knowledgeable, was very happy to work with her, she was very clear what documents that are needed to close things on time.
Also Sue was very flexible and locked our rate on Friday late evening, she communicated us during every step of loan process and got us a good rate with low closing cost.
Would definitely consider and recommend Sue for financing or re-​financing in real-​estate.

We are so happy having Sue as our lender. Actually we dealt with two other lenders before coming to Sue, it turned out she is the most professional and knowledgable one. To be honest, our case is a bit complicated as my wife is in F1-​OPT, but Sue can quickly get it approved. Sue is also very responsive. Even during Christmas holiday period, she and her team were able to reply my email in just a second, can’t you believe that? Sue also helped us lock our interest rate just 2 days before the Fed rate hike. How amazing it is!!! I will definitely give Sue a five star rating.

Sue is very professional, responsible and reliable! She can handle very complicated cases, provide useful advices, and will make her best to optimize your lender’s credit and interest rate.
As far as I know, Sue is the only mortgage broker that is willing to deal with OPT students buying homes. Yes, if you are in OPT status, you don’t need to wait for your H1B to be effective to apply for a loan! Just talk to Sue.

I knew Sue Lee when our office would partner with Sue Lee on mortgage loans. I have known her since she was at BofA. She is knowledgeable on taxes and complex loans. If you have a unique situation — she is honest and extremely intelligent and will provide you professional feedback. I am honored that she is part of a trusted family. She is a hard worker and will get the job done. She will let you know if she can not do a deal because she has ethics and professionalism, which is hard to find in this business.

In Sue we trust! I would give Sue full stars!
I had a big pressure buying a single family house under a super tight time. Only had less than two weeks left, after that I would lose my initial deposit and the house.
Sue is extremely professional and knowledgable. She has 20+ years experience in mortgage loan, she can basically answer all the questions you ask and handle various difficult situations.
And most important is Sue works crazy hard. She always send me emails at 2am. And regard our problems as her own problems. She help us close the house only in 2 weeks. That’s amazing! Her hard working and professional saved us!
Sue will be my life-​time loan agent and I would recommend her to everyone

I would give Sue as many stars as I can!
I was under pressure buying a home under a very tight time frame, but when I started the whole process, I didn’t have anything prepared, luckily I found Sue.
Sue is extremely professional and knowledgable. She has 20+ years experience in mortgage loan, she can basically answer all the questions you ask and handle various difficult situations. As a first time home buyer with US credit history no more than 3.5 years, I thought there would be some problems for me to get the loan approved in time. But Sue not only helped me get the loan, but also made the entire process smooth like butter that she managed to close the escrow in 20 days!
Sue cares about her clients very much. She treats me as her friends, very patient and super responsive. She always puts herself into others’ shoes, provides suggestions that give you the most benefits. She helped me get more than 3k loan credit to cover a great portion of the closing cost which I never thought about in the first place.
Sue has great reputation in local real estate market which brings her clients great advantage in such a competitive market. What’s happened to me is that my offer got accepted right away when seller agent heard Sue was working with me —- when another competitor offering 20k more! Yes, she’s so good that every agent would love to work with her!
Sue will be my life-​time loan agent and I would recommend her to everyone.

Sue is fantastic! Let me share our story in the following:
During our loan application process, Sue said she is a firefighter a couple of times, which we totally agree. She said she rescued a lot of mortgage applications and we are one of them.
After getting turned down by our first loan bank, we were very desperate. We are first time home buyer so there are a lot of loan details we are not familiar with. The loan officer did not do a responsible job so we got shot down by the underwriter. It was a well-​known bank and also the only bank we have worked with since the beginning so getting declined was really frustrating. By then the escrow has already passed a few days and what was even worse is we put no loan contingency on the purchasing contract! Then a friend of mine recommended Sue. After meeting with her in her office for two hours, Sue understood our situation and said she was able to rescue our loan in Citibank. Because there was no loan contingency, she was willing to work extra hours to expedite our case.
One thing that we like particularly about is one would be amazed by how professional Sue is. She has many years of experience working in the mortgage business and yet what’s more precious is she still takes great efforts to examine all the details of our documents. Different from our previous loan officer who pretty much did nothing other than submitting our documents online, Sue requested as many documents as possible at the very beginning so that she could digest them, confirmed with us, and got a complete view of our case. This is extremely useful because if the underwriter notice something unclear, the communication could happen between her and the underwriter instead of wasting much time passing the questions to us. Being an experienced loan officer, she actually can foresee the underwriter’s questions and included the explanations in advance in the letter she attached to our loan submission package.
Sue is also a super nice person and very responsible. As first time home buyers, we have tons of questions but she is super patient to answer all of them. The total loan application process took roughly 20 days and we didn’t have a single complaint about her.
If possible, we would like to give her 6 stars!

Sue helped me through the mortgage loan process. I was very happy with the service and support I received. She was very patient, responsive, and responsible. She gave me good advice. If there’s any blockers along the process, she would always do her best to resolve them. She is reliable and trustworthy, and is definitely the one you would want to turn to for a loan service!

Sue is awesome!
I bought my first property two years ago (when Sue was still with Wells Fargo). I experienced more troubles than most buyers, because the seller we met was extremely hard to work with. I was so fortunate to have Sue as my loan agent otherwise I wouldn’t know how can I got through. Sue is
–super patient. She is very responsive and returns every missed call.
–very knowledgeable and experienced, ready to answer whatever questions you have.
–what’s most important, she cares about you most, not the case, not how much she can get out of it, but you! She gives you the most possible subjective suggestion to help you make the decision that ‘s most beneficial for you. That’s what I appreciated most in that painful home purchase.

Sue is my mortgage broker and did a great job helping me on the refinance. She helped me to lock down low interest rate and is very responsible during the loan process.

If I could, I would like to give 5+ stars! I’m very lucky having Sue helped me on loan, she is absolutely:
* Customer Value First — I did feel she put my value first, I just wanna keep the comments short, so as a very strong sample, Sue helped me SAVE $ 20,000! DO I NEED TO SAY MORE? :-P
* Integrity — She doesn’t like some other agents/​brokers, using lower loan interest to attract customer first, then playing games. What she did just evaluate my situation VERY VERY careful and controlled risk absolutely before pre-​approval letter. So after seller accepted my offer, I don’t need to worry about my loan at all. BTW, one of my friend told me she never fail in recent 10 years! DO I NEED TO SAY MORE? :-P
* Professional — She has over 20 years PROFESSIONAL banking experiences; She has RICH experience on new immigrant loan (US credit history less than 2 year); She has MANY valuable suggestions to help customers organize money; DO I NEED TO SAY MORE? :-P
The last thing I wanna say is, she gave me wonderful loan experience, thanks Sue!!!
PS, I’ve recommend all my friends her name & phone number :-P
— Alvin

Sue gives us great help during our loan process recently.
1. Our situation is more than complicated. We don’t have enough credit cards to support credit lines, and we just moved to US a little longer than two years ago. Sue helped me find other credit source and work with CITI to nail them down
2. We bought the property with no contingency, so the time is critical. Sue and her assistant work really hard, sometimes during late hour and weekend. And they are very responsive. Communication is always in a timely manner. They finally get the loan done even two weeks earlier than deadline, and we were able to close the process and start our remolding earlier.
3. Sue is willing to do price match with different banks. We got different quote from different banks. Sue was able to match the lower rate.
The whole process is smooth and pleasant, Sue helped us as a first time home buyer in each every step. We would definitely recommend her and use her help and expertise in our re-​finance.

We just recently purchased a new house in the very competitive Bay area, and Sue Lee at Citibank helped us to get the loan. My husband and I wholeheartedly recommend her because she is knowledgeable, professional, and responsive. Most importantly, she puts her customer’s interests and timeline in first place, and worked extra hours to fit with the tight schedule that we had.
Sue came to our rescue after we were rejected by BoA at the last minute (4 days before closing) because we did not have enough ‘credit lines’, even though we were already pre-​approved with them. As first-​time home buyers we did not realize the risk involved in the loan process, but after finding Sue through a friend’s recommendation, she was incredibly helpful in explaining the process and risks, and knowledgeable about the whole loan and underwriting process. She can generally tell whether an applicant is qualified to get the loan or not from the beginning.
After our first chat with Sue, we knew that we could trust her expertise, as she has worked in several major bank’s mortgage departments and is familiar with all the rules and processes, particularly for international customers who may not have a long credit history in US. She also had an accurate estimation of the timeline, and based on her estimates for getting the loan (which was very short compared to other banks) we managed to extend the closing date of our house with the sellers, and in the end, to our great relief, we got the loan and the house.
We are very thankful to Sue and cannot recommend her enough. In the end, we got our dream house because of her.

Sue did a terrific job helping us purchase our condo. We were first time buyers and the condo we were trying to purchase was not the easiest in terms of applying for loans. She helped us with every step during the loan process. She’s upfront, responsive, and very knowledgeable. I would definitely recommend her to anyone who’s looking for a good loan officer to work with!

Sue was highly recommended to us by our real estate agent, Edmund Yue, and we met her while securing a loan approval for buying our first home. It took us a year and a half to finally buy our home, and during that time, we had to ask Sue at times to draft an updated approval letter for us. She always did it quickly, no complaints or anything. Whenever we asked her questions (and we had a lot, being first time home buyers), she would patiently answer them, and even give us tips and pointers for buying a home and which properties to avoid. Before making an offer on a home/​condo/​townhome, we always ran it by Sue first and she would check in the system to see if there was any hidden liens or litigation on the property for us.
When our offer on a home was finally accepted, Sue was highly professional and continued to answer our many questions. We decided to put more money down in the middle of the process, and she quickly adjusted the documents to reflect this. We later found out that the underwriter almost didn’t approve our loan because of a technicality (not because of funding), and Sue fought hard for us, even bringing in her manager so that we could get approved. She also surprised us on the title signing day by driving all the way over (her office was an hour away) to be present and make sure all the loan documents were correct. The title officer commented that loan officers generally don’t attend these meetings, but Sue said she always did. She also surprised us with a lower interest rate that she managed to secure for us (without our knowledge) during the loan approval process, which saves us about $ 40 a month in interest. That adds up over time!
Sue worked very well with our agent Edmund, and together they made a fantastic team. She was personable and treated us like family, not like business clients. She continually looked out for our family’s best interests. We have been recommending Sue to all our friends looking to buy a home. When we are ready to buy another property, we will certainly be calling her again!

Getting Sue’s help is one of the best things. Our case was extraordinary
exceptional since we hold O visas. There were almost 40 conditions need to be
satisfied initially, and we totally understand if she gave up. However, she never
quit! She fought for us with unbelievable perseverance and top-​level professional.
Actually we had lots of fun during the whole process and we absolutely become
good friends. All in all, if you encountered a tough loan case, do not hesitate call
Sue. She absolutely will be your best choice!

Sue is my loan agent helped me to secure the loan for my house. Very friendly, genuine, and knowledgeable. I had great experience with Sue. Sue also secured a good rate for my house loan.
I feel comfortable to refer her service to people who needs a house loan. I will engage her service again when I need to take a house loan again.
Dr. Joe Tai

First time buyer and just closed on a foreclosure property with Sue as my loan agent. I couldn’t have done this without her. She was on top of every requirement and detail, was knowledgeable with foreclosures, and all of Freddie Mac requirements. She was very responsive and stayed late in the office to meet me while I signed the closing docs with escrow’s notary.
Highly recommended. You can’t go wrong.

Sue is an amazing! We got introduced to her when she was at BOFA but we continue to use her even though she’s at Wells Fargo. It should be noted that generally i really dislike Wells Fargo customer service but I still use them since Sue makes it worthwhile.
She always makes the process as easy as possible and is extremely knowledgable. Never had a problem she could not solve! An added bonus was that she got us the lowest rate in 40 years!
Finding low rates is always hard but finding low rates and a lender who goes way beyond the call of duty is extremely hard. I’m not sure about your experience but I found that a responsive person to help you through the loan process is priceless especially if something unexpected goes wrong.
Short answer: I extremely recommend Sue Lee

Sue helped my wife and I purchase our 1^st house & was a tremendous help in getting through the whole process. She was willing to meet with us at allhours, including a sit down with my wife and I on a Saturday to go over the whole process. She also joined me while I was signing the final paper work at the Title Company and helped clarify a few problems.
My loan was certainly far from a simple loan to process. I was getting a Fannie Mae Homepath loan and also qualified for a MCC, so there was some additional paperwork and headaches. Qualifying for the MCC delayed my loan for almost a month, as funds were not availablle as soon as was initially stated. Sue stayed on top of this, however, and made sure my MCC was properly filed as soon as the funds were available.
The only issue I had was that Sue calculated my DTI slightly different than the underwriters and I had to juggle some monthly bills a little to qualify per the requirements of the Homepath loan.
While my loan process did not go 100% smoothly, I always felt that Sue was there to support me and always responded promptly if I had any questions. She is a great resource for first time (or any) home buyers.