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The Supreme Difference

Buying a home is a big moment in anyone's life. At Supreme Lending, we work overtime to make it a positive experience with friendly service, great rates and fast action on loan applications.

Our strategy is simple: Every day we do our very best for every customer.

Our Philosophy of Building Customers for Life

We strongly believe in the "building-customers-for-life" approach to doing business. This philosophy fuels our company and drives our success. By offering fast and friendly service, we generate positive referrals from previous customers and local real estate professionals. And that word-of-mouth helps us generate new business.

Benefits of Supreme

Supreme Lending is a mortgage originator. All loans are handled by licensed Mortgage Professionals who personalize the loan process by providing timely and informed communication with the customer. In addition to a low-stress experience, consumers benefit from attractive interest rates, low closing costs and fast turnaround times. Our approach allows us to efficiently underwrite, close and fund loans, building a level of trust that helps us sell mortgages to respected investors.

Supreme Culture

Put simply, this is a place where the customer comes first. It is our goal to build customers for life by helping homebuyers achieve their dreams. Our customers will always be treated fairly and honestly and benefit from some of the best rates in the industry.

We pride ourselves in communicating with our customers throughout the entire homebuying process, educating and informing them every step of the way. We do everything in our power to get all loan documents to the title company in advance, ensuring that our loans will close on time. This is extremely important in building trust with consumers and referring real estate agents.

Technology Advantage

Supreme Lending uses the most advanced technology available to close loans quickly, at a low cost. By combining online tools with advanced processing software and automated underwriting systems, we have taken the mystery out of approving and closing a home loan.

FAQs

Getting pre-qualified for a mortgage is a great first step to kickstart your homebuying journey. Pre-qualification gives you a picture of how much you can afford based on your credit, income, and debt. It helps you determine your budget, understand estimated monthly payments, find the right loan program, strengthen your offer, and save time.

When you apply for a home loan, several documents are requested so lenders can confirm your ability to make monthly mortgage payments. Here is an overview of items you will need to submit to your lender:
•    Income history and employment verification from the past two years such as tax returns, W-2s, and 1099s (if applicable) 
•    Asset statements for bank, retirement, and brokerage accounts 
•    Monthly debt payments including any outstanding loans and credit cards 
•    Records of rent payments, divorce, bankruptcy, or foreclosure

There is no one-loan-fits-all. Supreme Lending offers a wide range of mortgage programs to choose from depending on what may be the most beneficial for your circumstances. Your Loan Officer can present different scenarios to see what best aligns with your goals. Whether you want a fixed-rate or adjustable-rate mortgage, Conventional loan or government-backed loan such as FHA, VA, or USDA.

When your offer for a home is accepted, here’s what to expect during the loan approval process. 
1.    Full Loan Application. You must complete the official loan application by providing any remaining documents and accepting the mortgage terms and locked rate.
2.    Home Valuation and Title Insurance. An appraisal is ordered by your lender to determine the home’s fair market value. 
3.    Underwriting. Your loan file is sent to Underwriting to review and approve. Conditions for additional items may be requested if needed. 
4.    Clear to Close. When your loan clears, it means your documents are ready to be prepared for the final closing but funds have not been transferred yet. 
5.    Closing. On closing day, sign your documents with the title company to transfer the funds and ownership, get the keys, and celebrate your new home.

A monthly mortgage payment includes several components often referred to as PITI: principal, interest, taxes, and insurance. Any condo fees or Homeowners Association fees may also be a factor.

Closing costs are paid upfront for necessary expenses associated to purchasing a home. When
applying for a loan, you’ll receive a Loan Estimate outlining these settlement charges for added fees including loan origination, appraisal, credit report, title insurance, document preparation, prepaid interest, and other miscellaneous fees.

Seamless from start to finish. Professional, informative every step of the process. Highly recommend for your purchase or refinance needs.
Eddit G.
The Supreme Difference

Supreme Lending is a full-service mortgage lender where the customer always comes first. We strive to provide our customers with the best home financing experience possible, with a unique focus on taking the mystery out of the home loan process.

Let Supreme Lending find you the perfect loan for your needs.