We are a correspondent lender which means that we originate, process, underwrite and close our own loans. We also have the ability to broker loans. This means that our product menu is very extensive, which benefits our clients. We offer VA, FHA, Conforming and Jumbo loans and we are still able to do stated income loans, offering our clients an easy process and a quick closing!

2nd homes and investment properties, condo and condotels, as well as FHA, USDA Rural Housing Loans, and VA Loans!  Our Destin/Ft. Walton Beach office is also the preferred lender for several condotel projects in the Orlando/Celebration area of Florida because of the professionalism and ease of closing we offer to the clients.  We also still have the ability to finance foreign nationals that are buying in the US, be it a single-family home or a condotel!

We underwrite in our office to get your clients to closing FAST!

"Sue is the best of the best. After she assisted my father in multiple real estate transactions totaling millions of dollars, I did not hesitate to ask her to help me obtain creative financing when I purchased a new home in Atlanta. I could not have been more pleased and impressed with the results, and I've referred my friends and family members to her. It's without hesitation or reservation that I recommend Sue to anyone.  Her top qualities are her expertise, high integrity, and creativity"   S. Crabtree, Client

"Sue is a detail-riented mortgage advisor who has clear cut goals and achieves them through dedication to her clients and business partners. Customer service is paramount to Sue and equally important is her upkeep in regards to underwriting guidelines so she can deliver solid pre-approvals or approvals. I currently refer my clients with properties in Florida to Sue with confidence that she will take the utmost care of them." T.Kneubuhl, Mortgage Advisor, Las Vegas, NV

Just wanted to take a sec to say thanks to you, Mike and Laura for your help (and patience) with my refi. It was a pleasure doing business with you - and you can tell anyone who asks that I said so!  I expected great - you gave me terrific! E. Brusilow, Realtor
 

"Sue is very thorough in keeping up with her customer's needs. She takes a hands on approach from prospect through signed customer. As a customer you won't get "mis-placed" with Sue" - L. Dillon, Affiliated Business Partner (Appraiser)

 "Your staff was extremely helpful and knowledgeable...I've had mortgages before but Northstar was better than anywhere I've gone before" L.Honeycutt, Client

"Sue is more than a loan officer, Sue goes the extra mile to take care of each of her clients as if they are the only one. She is highly respected by her colleagues and is nationally known for her contributions to the industry." S. Buccierio, Loan Officer, Sevierville, TN 

"Sue has been a client of mine for over 5 years. She is an excellent loan officer with a strong drive to succeed. In addition, she has solid ethics and will not sacrifice those to achieve her goals." - R. Hutchinson, Affiliated Business Partner (Appraiser)

"Sue is a wealth of mortgage knowledge. She stays ahead of her competition through education. She is a trusted and admired mortgage lender in the Destin area. If you are thinking of getting a home mortgage, you will want to consult with Sue first. She will be able to guide you through the process and provide you with top notch services and information." - K. Klein, Realtor

"I was not happy with my mortgage company and called Northstar - their efficiency and speediness in getting us closed was better than I've ever seen in any other mortgage company" R. Black, Client

"I had a VERY tough situation to finance and Northstar got it closed!  You're great!" R. Mork, Client

"I have done several real estate closings with Sue. She is great to work with, very effecient and helpful. I look forward to working with her when a new order comes in as she makes things very easy for the title company as well as the clients that she is representing. All of the loan closings that she does go very smoothly and that is greatly appreciated!!!" - H. Jalbert, Affiliated Business Partner (Title Company)

"I was referred from the developer and the ease of your application and approval process was incredible" S. Chan, Client

"Northstar does the impossible for my Real Estate Clients" V. Farish, Realtor

"I cannot think of a single negative aspect of my relationship with Northstar Mortgage.  The rates were superb and the service was even better.  Sue is FABULOUS!" G. Brandao, Client

"I have known Sue Botelho for over 10 years. She is a respected Mortgage Industry Leader. She gets the job done with a winning result for all. Sue is a trustworthy and high integrity person, Top Qualities: Great Results, Expert, High Integrity" - J. Floyd, Realtor

"The best part of Northstar is the ability to get a person on the line every time you call instead of a machine!" C. Merklinger, Client

"I loved the honesty, efficiency, and great customer service!  Keep up the great work" C. Butterworth, Client

"Northstar delivered as promised!" S. Pulsfort, Client

"When others couldn't do it, you closed my condotel...and with GREAT rates!" R. DiGiulio, Client

"Sue was always available to answer our questions" N. Ratcliff, Client

"Northstar is speed and efficiency, sweetened with politeness!" M. Curtis, Client

"I have done numerous mortgages with Sue and she is always speedy and efficient" A. Crabtree, Client

"Northstar and Sue were great to work with.  Their promptness was great and everything was in order.  Even the title company remarked on the efficiency and promptness of Northstar!" D. Kimmons, Client

"I've dealt with Sue on other transactions and feel that I can trust her to work for and on my behalf." M. Schneider, Realtor

"I truly appreciate the responsiveness of your staff and their desire to work on our behalf" M. Demoreski, Client