Loan programs
Loan programs

Conventional Loans
These traditional mortgages are popular for a good reason: Stable monthly payments makes it easier to plan your financial future.
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
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
VA loans help millions of eligible military Veterans and active-duty personnel purchase or refinance their homes and provide 100% financing.
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Lower interest rates and closing costs
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No down payment requirement
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No private mortgage insurance required
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Fixed-rate and adjustable-rate options
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Available for first-time and repeat homebuyers
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Variety of eligible VA-approved property types

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

Jumbo Loans
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

RISE (dscr) Loans
Whether you are just getting started with your investment portfolio, or an experienced investor, Supreme Lending’s RISE or Debt Service Coverage Ratio, may take you to the next level.
Program Highlights:
- Loan amounts up to $3,000,000
- First-time investors are eligible
- Minimum 20% down payment required
- No limit to the number of properties owned or financed

One-Time Close Loans
Supreme Lending offers Construction One-Time Close for Conventional, FHA, and VA loans. The One-Time Close program provides a 6-or 9-month term fixed-rate that allows interest-only payments while your builder completes your home sweet home – an affordable home financing option to fund your construction project.
Program Highlights
- Maximum conforming limits apply
- Loan amounts up to $806,500
FHA & VA
- Primary Residences
- Minimum 600 credit score
Conventional
- Primary Residences:
- Maximum Loan-to-Value (LTV) 95% for 720+ credit score
- Maximum LTV 80% for the 700-720 credit score
- Second homes
- Maximum LTV 90% for 720+ credit score
- Investment Properties
- Maximum LTV 80% for 720+ credit score
Let’s Get You Pre-Qualified
We can get you started on your home financing journey and answer any questions you have about the home purchase or refinancing* process.
*By refinancing an existing loan, total finance charges may be higher over the life of the loan.