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Susan Caulfield

Susan Caulfield

VP of Mortgage Lending · NMLS# 457696

Frederick, MD5.0(21 reviews)

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Susan Caulfield at Certainty Home Lending (NMLS #457696)

Today · 9 AM – 5 PM

50 Citizens WaySte 302Frederick, MD 21701
Rating5.021 reviews
Satisfied100%22 reviews

Ratings include all 22 reviews. Reviews collected directly from clients are shown only with their permission.

We had a wonderful experience working with Susan and her team at Certainty Home Lending. The application process was simple and we were kept well informed throughout the process. Susan met with us on number of occasions to explain the lending details and to help us choose the right loan for our needs. I would highly recommend Susan and the Certainty Home Lending team to anyone shopping for a mortgage loan.

We were very satisfied with the entire experience! Communication was excellent throughout, which made the whole process smooth and easy. Susan was outstanding to work with—she kept us informed every step of the way and truly went above and beyond. Highly recommend! A++

Susan and her team is awesome. We have so much problems with my loan issues but they took care of everything, and we able to close.

A very smooth transaction. Everyone was great to work with. All my questions and concerns were addressed. Rates were competitive. Susan is the best!

Ana P.

No written review

Edward C.

competitive rate, good interface for uploading documents and keeping track of what needs signed, and easy to get a hold of.

Yonni F.

Very helpful and always available.

Samuel R.

Susan Caufield has to be the most dedicated mortgage person in the business. She turned around a bad experience we had with the builder’s lender, demonstrated her faith in us in tangible ways, and went above and beyond in every aspect of her role. From our real estate agent to the builder’s salesperson to the title company, everyone had praise for the way she does business. We owe her in ways we’ll never be able to repay!

Gary R.

We had such a great experience working with Susan and her team at Certainty Home Lending. We truly appreciate Susan’s knowledge and the way she guided us through the entire process. From start to finish everything was seamless, smooth, and quick. I’ve been through the lending process several times before, and it can definitely feel daunting and complicated. Susan and her team somehow made it feel simple. They explained everything clearly, kept us prepared at every step, and were incredibly quick to get back to us anytime we had a question. They even helped us settle what could have been a complicated loan in record time. Their efficiency and organization made the entire experience stress-free. We will absolutely be recommending Susan and her team to everyone we know, and we wouldn’t hesitate to use them again in the future. Thank you so much, Susan!

Sara F.

Love the service that we recieve from the Professionals at your institiution. That is invaluable. We love working with Susan for her patience with us, availability and guidance

Joseph S.

Fantastic experience from start to finish. The team’s communication and response time were outstanding, and they worked together seamlessly to keep everything moving. Anytime a question or issue came up, they jumped in quickly and solved it. Highly recommend!

Rihab S.

Fantastic experience from start to finish. The team’s communication and response time were outstanding, and they worked together seamlessly to keep everything moving. Anytime a question or issue came up, they jumped in quickly and solved it. Highly recommend!

Great support throughout the process

Christine O.

Susan C and her team helped me with the loan every steps from start to closing of my beautiful home. Thank you Susan and her team.

No written review

Taylor M.

We loved working with Susan Caulfield and her team at Certainty Home Lending. They made the process easy by explaining the steps with clear instructions, had a website that made submitting our information straightforward, and helped us every step of the way. 5 Stars for our experience.

Response from Owner

thank you for the kind words. It was a total pleasure working with you. I will share this with my team.

Responsive, professional service

Dallas H.

I had an excellent experience with Certainty Home Lending! Susan, Rachael, Bridgette, and Melanie made the entire mortgage process a breeze. The team was quick to respond and guided me every step of the way. The user-friendly portal made it even easier to stay on top of everything. Highly recommend!

Rihab S.

Susan went above and beyond throughout the entire process

Susan expertly and quickly ran the process. Great experience.

Adam A.
Equal Housing LenderEQUAL HOUSINGLENDER
© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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