Element Funding

Susie Carlton has worked as a Mortgage Banker in the Central Florida area for more than 23 years. She and her team have helped fulfill the dream of homeownership for thousands of customers. Her dedication to her customers and professional peers, knowledge of finance, and commitment to qualify service make the home buying process as smooth and hassle free as possible for her clients. Superior knowledge of a large variety of loan products place her among the most respected mortgage professionals.

Susie’s expertise is showcased through her affiliation with Element Funding, a privately held residential mortgage company.  Element Funding is NOT a mortgage broker. They are mortgage bankers who utilize a correspondent lender platform. With the processing, underwriting, closing, and funding loans in their own name, this makes for a more streamline process. The loan is handled internally from start to finish.

Element Funding’s motto is that they are “a high powered mortgage company with a hometown feel”. You can feel this when you walk in to their office, as they want you to feel right at home. Element Funding has branches throughout the Southeast. Element Funding is a division of Primary Residential Mortgage Inc. which is licensed in 49 states.Through PRMI, Susie is able to provide a wide array of product options working with multiple investors, while keeping the loan process in-house.


Originally from Ohio, Susie graduated from Miami University in Oxford, Ohio. She has resided in the Orlando area for more than 30 years, and is very active in the community. Throughout her professional career, Susie has been the recipient of numerous mortgage banking awards for top sales performance and leadership. Susie also is a graduate of Leadership Orlando, and Lifework’s Leadership, and is a current member of Florida Executive Women, where she’s served in various positions and was President in 2013. She was the 2015 Co-chair of the Shepherd’s Hope Famous Faces Ball, a large fundraising event in October that raises money to provide healthcare to the underinsured and uninsured in our community. She’s also assisted with fundraising/charitable events for Christian Help, The Pediatric Cancer Foundation, Quest Group Homes, and The American Heart Association.

Element Funding provides financing for residential home purchases and refinances. Among their products, they offer Conventional, FHA, VA, USDA, and Jumbo home financing.

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice and are subject to borrower qualification. Florida Office of Financial Regulation MLD646

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5401 S. Kirkman Rd, Ste. 490 Orlando, FL 32819 | P: 407-367-5574 | F: 407-982-7182 | scarlton@elementfunding.com | www.elementfunding.com/scarlton | NMLS# 344354

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