Timothy Sutherland at Guaranteed Rate

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Timothy Sutherland at Guaranteed Rate I am a SVP of Mortgage Lending at Rate
Timothy Sutherland, NMLS 312357
Rate NMLS 2611 NMLS 2611 3940 N.

CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act GA: Georgia Residential Mortgage License #70123 Guaranteed Rate, Inc. Ravenswood Ave., Chicago, IL 60613 (866) 934-7283 • rate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.rate.com/licensing

09/28/2026

It's National Good Neighbor Day!

09/28/2026

Mortgage Market Recap. September 21-25, 2026.

09/22/2026

No, we didn’t lowball your homeowners insurance. Here’s why...

09/21/2026

8 POINTS? HELL NO!
If a lender needs 8 points upfront, that’s a serious red flag.

09/21/2026

Your lender only offers a 30-day lock?

That’s not your only option.

Not all lenders offer the same rate-lock options. Some offer only 30-day locks, while others offer 45, 60, 90 days or more.

And yes, longer locks generally cost more.

If your lender won’t let you lock yet, ask yourself: Is that rate really available to me?

09/20/2026

The Fed raised rates this week. Mortgage rates apparently didn’t get the memo.

The Fed increased its rate by ¼% on Wednesday, but mortgage rates essentially shrugged.

09/15/2026

The Devil is in the details. Got a big lender credit? Make sure it’s actually on your locked Loan Estimate. Check Section J.

If it’s not there, you need to ask why? And what happens if the credit exceeds your closing costs?

09/15/2026

Congratulations! It’s conforming loan limit season. That time of year when every lender suddenly has breaking news.

09/09/2026

Before you hire a real estate agent, ask these 3 important questions

09/08/2026

Want to know how I became a 1-star lender?

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️Applicant subject to cr...
09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http:/...
07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/13/2026

Pause your scroll. There are no sounds like home.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6184v0dEs. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Address

Columbia, MD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12026020177

Website

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