

Susie Carlton at Element Home Loans
Sales Manager/Loan Originator | NMLS# 344354


Miami University
Susie Carlton has been a trusted Mortgage Loan Originator in Central Florida since 1992, helping thousands of clients fulfill their dream of homeownership. Her dedication to providing exceptional service, combined with her deep knowledge of... Show More
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Susie Carlton at Element Home Loans is one of the most professional, thoughtful and creative loan originators that I have had the pleasureto work with. You are in good hands with her no matter what kind of loan transaction needed. I high recommend...
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Reply from Susie Carlton | Loan Originator | E...
February 6th, 2026 08:25 PM
Alexander, I appreciate your generous compliments and strong recommendation. You are a true professional and I love working with you and your clients! It's gratifying to know that my approach has made a positive impact on your experience. My...
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Throughout the process we were kept informed of all stages.
Reply from Susie Carlton | Loan Originator | E...
January 26th, 2026 02:07 PM
Don, thank you for the wonderful review! Keeping clients updated is important to me, as I know this process is not always easy. You and Sherry were wonderful to work with. Thank you for entrusting Element Home Loans with your needs. I loved...
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Always a great experience working with Susie. Thank you for all of your help!
Reply from Susie Carlton | Loan Originator | E...
January 20th, 2026 08:11 PM
I appreciate your wonderful feedback, Nate! I'm so happy that you had a positive experience! Thank you for your continued trust in me and Element Home Loans. If there's anything more I can do for you, please don't hesitate to reach out. Enjoy...
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Susie is hands down my favorite lender who always delivers exceptional customer service and experience!
Reply from Susie Carlton | Loan Originator | E...
January 20th, 2026 01:44 PM
David, I'm grateful for your kind words and support! It’s wonderful to know you value the service I strive to provide. Thank you for taking the time to share your experience and for choosing me as your lender. I can't thank you enough!
Susie was incredible. She was not only prompt, kind, and professional in all communications, but was able to walk me through buying my first home with ease. She gave me confidence in the process and kept it simple for me. I cannot express just...
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Reply from Susie Carlton | Loan Originator | E...
December 30th, 2025 02:05 PM
Nick, it was so nice meeting you and your Dad at the closing! It's wonderful to hear that you had such a positive experience while purchasing your first home! You were truly a pleasure to assist! Building your confidence in buying a home is...
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Susie and her team is very responsive ,helpful, and generous. She will help you with every step along the way within her field and even has great advice on other expertise as well. 10/10 service
Reply from Susie Carlton | Loan Originator | E...
December 29th, 2025 01:52 PM
Wow, Kris, thank you for the wonderful review! I'm glad to hear you found my team's responsiveness and assistance helpful throughout the process. It was so wonderful to assist you and Sam with your first home purchase! Thank you for your positive...
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From the start, Susie and her team were very responsive in all communication. Our timeline was short from beginning to end. We couldn't be happier on our rate.
Reply from Susie Carlton | Loan Originator | E...
November 25th, 2025 10:00 PM
Patty, thank you for the wonderful review! It was a pleasure working with you and Robert. Thank you for trusting me and my team at Element Home Loans. If you need anything in the future, I'm here to help! Wishing you both a Happy Thanksgiving!...
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Always a pleasure dealing with Suzie Carlton and her staff. Very professional and easy to work with during this process.
Reply from Susie Carlton | Loan Originator | E...
November 23rd, 2025 06:28 PM
Bettina, I appreciate your kind words about my team and me! I love working with you and Chuck and appreciated your patience through the process. It’s great to know that the experience was smooth and professional for you. Thank you for choosing...
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Pleasant and respectful people.
Reply from Susie Carlton | Loan Originator | E...
November 18th, 2025 02:10 PM
Fran, thank you for taking the time to share your experience. I'm pleased to hear that you found our team pleasant and respectful. It was a pleasure working with you on your home financing. Enjoy your new home!
Kept us informed on all related matters Professional and positive
Reply from Susie Carlton
November 18th, 2025 02:10 PM
Dan, I appreciate your feedback and am glad to hear you felt informed and supported throughout the process. It’s important to me that you had a positive and professional experience. Thank you for allowing me to assist with your home loan needs...
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About
Susie Carlton has been a trusted Mortgage Loan Originator in Central Florida since 1992, helping thousands of clients fulfill their dream of homeownership. Her dedication to providing exceptional service, combined with her deep knowledge of finance, makes the home financing process smooth and stress-free.
With expertise in a wide range of loan products, Susie tailors the right solution to each client’s unique needs, earning her a reputation as one of the most respected professionals in the industry.
Throughout her career, Susie has received numerous awards for top sales performance and leadership, and consistently earns 5-star reviews from her clients.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
Specialities
Longwood, FL
Winter Park, FL
Clermont, FL
Winter Garden, FL
Windermere, FL
Florida
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Education
- Miami UniversityArt/Art StudiesBachelor of Fine Arts (BFA)

Positions
- Element - Loan Originator and PartnerApr 1st, 2008 - Current
Memberships
- Florida Executive Women
- Rotary Club of College Park
- Mortgage Coach
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1992
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 344354
Achievements
- Elite Circle 2017
- Elite Circle 2018
- Elite Cirle 2019
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Hobbies
- Golf
- Travel
- Acrylic Painting
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Disclaimer
Element Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. For NFM, Inc’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc is not affiliated with, or an agent or division of, a governmental agency or a depository institution. GA license # 17414. Copyright © 2026.