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Available Loan Programs

Homes come in all sizes and styles. When it comes to home loans, there are nearly as many options. At Supreme Lending, we’re happy to explain all the details and help you make a smart choice.

Conventional Loans

It all starts with a strong foundation—for your home and for your finances. Our Conventional loans provide solid mortgage options for homebuyers and homeowners looking to refinance.

 

Conventional loans are popular as they typically offer favorable terms.

✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Down payments as low as 3%
✔ Competitive interest rates
✔ Minimum credit score of 620, in most cases
✔ Other requirements and conditions apply

FHA Loans

Traditional mortgages may not fit everyone. Government-backed programs like FHA loans have unlocked the doors to millions of American dreams.

 

FHA loans are an excellent option for first-time homebuyers and those who may not be looking to make a large down payment.

✔ Lower credit score requirements
✔  Lower down payment of at least 3.5%, in most cases
✔  Fixed-rate and adjustable rate options
✔  Other requirements and conditions apply

VA Loans

Supreme Lending is proud to offer VA loans, serving those who have served and sacrificed so much for our nation to achieve their dreams of homeownership.

 

VA loans help millions of eligible military Veterans and active-duty personnel purchase or refinance their homes and provide 100% financing.

✔ Lower interest rates and closing costs
✔ No down payment requirement
✔ No private mortgage insurance required
✔ Fixed-rate and adjustable-rate options
✔ Available for first-time and repeat homebuyers
✔ Variety of eligible VA-approved property types

USDA Loans

If you prefer country living, this government-backed mortgage program for properties in eligible rural areas may be the one for you.

The U.S. Department of Agriculture (USDA) is best known for supporting farmers and ranchers. But it also helps people buy homes without putting any money down. Property must be in a USDA designated area.

✔ 100% financing available
✔ Lower interest rates
✔ Down payments as low as 0%
✔ Reduced closing costs
✔ Lower credit requirements
✔ Gift funds can be accepted

Jumbo Loans

Families come in all different sizes. So do housing needs. A Jumbo loan from Supreme Lending could help make your dream home a reality.

Jumbo loans can help homebuyers purchase “more house,” such as luxury properties or vacation homes, without tapping into savings.

✔ Designed for more expensive primary, second, or vacation homes
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Specialized programs with lower than 20% down payments

Refinance Loans*

Your home is great. But maybe your mortgage could use some work. Even if you aren’t planning a move, you might want to talk to us about making changes to your current loan.

Refinancing* is when you replace your current mortgage with a new one that may have more favorable terms. Discover how a refinance loan may help you unlock potential savings and reach your goals!

✔ Competitive rates
✔ Choice of repayment plans
✔ Fast application process
✔ Friendly dedicated service from Mortgage Professionals

Condo Loans

Looking for a condo lifestyle? Our wide range of mortgage programs may help you finance your next home or condominium.

Looking for a condo lifestyle? Our wide range of mortgage programs can help you finance your next home or condominium.

✔ Dedicated team of Condo loan specialists
✔ Unique government loan program options
✔ Purchases or refinances
✔ Flexible and affordable options

Reverse Mortgages

These are a type of loan available to homeowners aged 62 or older that allows them to convert part of the equity in their home into cash.

*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home according to FHA requirements. Failure to meet these requirements can trigger a loan default that may result in foreclosure

✔ No Monthly Mortgage Payments
✔ Access to Home Equity
✔ Increased Cash Flow
✔ Tax-Free Loan Proceeds

Renovation Loans

Ready to upgrade your home? Whether you’re planning for a top-to-bottom renovation or smaller rehab projects, our loan programs may help your property reach its full potential.

Kitchens and baths. Pools and patios. Roofs and gutters. Attics and basements. Renovation loans may help you finance your home remodeling or repair projects.

✔ Primary residences and investment properties
✔ Lower credit requirements
✔ Indoor or outdoor improvements
✔ Purchase or refinance options available

Home Equity

A home equity loan allows you to borrow against the value of your home without refinancing your current mortgage. Typically offered with fixed rates and predictable monthly payments, a home equity loan can help you manage larger expenses over time.

Common Uses:

✔ Home upgrades or additions
✔ Medical bills
✔ Business investments
✔ Life milestones (weddings, education, etc.)
✔ Flexible and affordable options

access your home equity