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Suze Smitha

Anacortes WA Branch Manager Open Mortgage, LLC #2975 NMLS #328815 WA MLO-328815 CL-2975
Individual analysis mutually determines whether or not a reverse mortgage is the right vehicle to meet your financial goals. As your trusted advisor, I look forward to guiding you in your decision making process. In consideration of accessing the equity in your home, we will determine which product becomes the best solution to accomplish your financial objectives.

My background is banking, which indicates attentive listening, mutual trust and problem solving for those in need of my services. In the past, I have worked primarily with investments. However, working in the reverse mortgage industry has been the most rewarding part of my career. The concept of a reverse mortgage is often misunderstood. Happily, my expertise on this subject is a result of many years of working with the senior population.

- (a) at the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds
- (b) charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees
- (c) the loan balance grows over time and interest is charged on the outstanding balance
- (d) the borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home
- (e) interest on a reverse mortgage is not tax-deductible until the borrower makes partial or full re-payment.
Oct 27, 2022
Suze was awesome. She walked me through one step at a time. Extremely easy to work with. And thorough. So the process was fairly painless. I would highly recommend her.
Apr 11, 2022
Suze is a very kind, helpful and patient person. She helped me with the original reverse loan over a year ago. I had struggled for a couple of years to get a reverse mortgage, but I had several obstacles that other loan people were unwilling to tackle. Then I contacted Suze - purely by chance. She was up front about the problems I was facing getting the loan. She advised to be patient. It all worked out. Now a year later she was right there to help with the re-fi on my reverse. Once again she went above and beyond my expectations. Thank you so much Suze! You are a kind and caring person. I would recommend your services to my friends and family.
Apr 7, 2022
Suze was awesome to work with. She's very knowledgeable, provided wonderful customer service and ensured that her clients' needs were fulfilled. All necessary information and documents were completed in a timely manner. I have acquired two mortgages through her office and would definitely work with her again for any future mortgages.
Dec 4, 2021
Suzie Did a fantastic job. She answered our questions and was available 24/7 for questions.
We would recomend her highly.

The only problem we had was the amount of pages we had to sign and the Notery did a lousy job. This was not Suzies problem
Nov 28, 2021
We want to thank Suze for helping us with our Reverse Mortgage loan. Her professional advice and attention to detail was always timely. We highly recommend her services to others.
Nov 15, 2021
Suze (as always) represented our best interests from day one of the process. Very thorough, timely and professional. We highly recommend Suze.
Sep 17, 2021
Home owner
Suze did a terrific professional and personal job navigating me through the waters of a reverse application process. I had researched these kinds of financial products for about a year but had been given unintentionally incorrect information that my ongoing studio renovation in a detached garage would prevent the loan process from beginning until the project completed and certificate of occupancy had issued. Running across Suze changed all that from the first conversation. First, she's local and knows the community unlike the call center representative from the other company. Within a week she'd clarified in writing there was no issue as long as the renovation was in a separate structure and there were no open trenches or public safety problems that an appraiser would flag. She excellent coaching throughout the process, moving things along like a true advocate. I think closing was a win-win all around. She has what it takes to show you the ropes, demystify the process and haul you across the finish line. Highly recommended. Richard Civille
Jul 23, 2021
I would truly recommend Suze Smitha to help with your Reverse Mortgage dealings. She is thorough, helpful and very accommodating . And above and beyond that she is kind and a truly nice person.
I have appreciated her help. Any questions? She will answer them.
Feb 5, 2021
Property Owner
Thank you for doing such a great job! You were so helpful and patient with us. We really appreciate everything you did . We would highly recommend you to anyone!
Jan 15, 2021
Suze Smitha went above and beyond in helping me with my loan! Her knowledge and diligence in sorting thru my roadblocks and getting the loan processed were done with tact and courtesy. I would recommend her to my friends or anyone looking into a reverse mortgage.
Nov 17, 2020
Personal Assistant
Suze is very impressionable! She is professional and thorough. I felt comfortable giving her all of my information. She made me feel confident that I would make it through the complete process.
Suze always kept in touch...her follow through and honesty is inspiring...a gift most people do not have!
I would recommend anyone looking for a loan to work with Suze!
Oct 31, 2020
Client
I was referred to Suze by a friend and colleague of mine who told me I would feel perfectly confident with Suze helping me. Naturally, I was dubious about Reverse Mortgages since I had heard only rumors, and Tom Selleck didn't make me feel any better about it. When would HE ever have to get a reverse mortgage? Suze immediately established a connection with me and calmed my nerves regarding this big step. She was there the whole way explaining everything, recommending things to read, etc. Recently, she helped me negotiate a refi which dropped my interest by half and gave me a chunk of money added to my line of credit. I consider her an expert in her field, a friend, and a confidante.
Oct 26, 2020
Dr.
Suze is fantastic, she went beyond my expectations. She is totally reliable, honest and knowledgeable. She always returned my calls within an hour. I started thinking about a reverse mortgage 2 or 3 years ago but the program then was not what I needed at the time. She still kept me updated yearly Recently she called me with new information which I felt was right for me. She walked me through the entire process and escrow closed quickly. I can not say enough about her support and kindness. If you are looking for someone to help you ease your life she is the woman to call.
Oct 23, 2020
Suze Smitha cares for her clients. She is professional and knowledgeable. Even with the Covid-19 restrictions, she made the entire process of the reverse mortgage go smoothly. Highly recommend her for your reverse mortgage.
Oct 14, 2020
homeowners
Suze Smitha was the consummate pro in our Reverse Mortgage process. From beginning (early January 2020) to now (October) she has made herself available to answer our earliest inquiries into a Rev Mortgage loan until today when we can look back on the completed experience with deep satisfaction. Never pushy or too busy, she patiently answered our frequent questions and worked with us as we navigated our way through uncertain economic/Covid times. She always responded to my emails, sent us regular updates on the process, and provided key input on Rev Mortgage "ins and outs". We could not have been more pleased with her interaction, thoroughness, and support on our behalf. I don't believe we could have found a better advisor than Suze Smitha. The Rices - Whidbey Island, WA
Aug 3, 2020
Suze is a rare "sales person" in that she cares about the individual for whom she is working. Her communication skills are impeccable and she never fails to keep you up to date on the progress of your loan. Her standard of service renews one's confidence in folks who "serve" the public! I have recommended her to others and will continue to do so. She will do everything she can to assure her customer that that person is her priority no matter the pressures of her job! You are lucky to have Suze representing you!!!!