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DC | Maryland | Virginia

Supreme Lending

Servicing the D.M.V. Area

Supreme Lending

Servicing the DMV Area

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Why Supreme?

Welcome to one of the most efficient and service-oriented mortgage experiences in America!

Supreme Lending was founded in 1999 with one goal in mind – to improve the mortgage process. And since then, we have been doing just that. Here, we deliver exceptional service and some of the fastest turntimes in the industry.

Experience what it’s like to be a priority when you work with my team. We will provide you with assistance in navigating what can be a confusing array of mortgage requirements, and really make the process incredibly simple and even enjoyable.

My team will stay in touch with you throughout the process and get your home closed quickly and conveniently. Whether you are buying, selling or refinancing our goal is have your loan clear to close in 20 days or less so you can focus on all the other details you are faced with.

Whether this is your first mortgage loan or your 1,000th, make it a Supreme one!

Let’s Get Started

  • This field is for validation purposes and should be left unchanged.

By submitting this form I am agreeing to be contacted by a representative of Supreme Lending.

Why Supreme?

Welcome to one of the most efficient and service-oriented mortgage experiences in America!

Supreme Lending was founded in 1999 with one goal in mind – to improve the mortgage process. And since then, we have been doing just that. Here, we deliver exceptional service and some of the fastest turntimes in the industry.

Experience what it’s like to be a priority when you work with my team. We will provide you with assistance in navigating what can be a confusing array of mortgage requirements, and really make the process incredibly simple and even enjoyable.

My team will stay in touch with you throughout the process and get your home closed quickly and conveniently. Whether you are buying, selling or refinancing our goal is have your loan clear to close in 20 days or less so you can focus on all the other details you are faced with.

Whether this is your first mortgage loan or your 1,000th, make it a Supreme one!

Our Awards

Owning vs Renting

Many people believe that they cannot afford to buy a home, not realizing that homeownership is within their reach.

The Loan Process

Understanding the loan process can help you be prepared to take that step towards homeownership.

Loan Programs

When looking to purchase a home for the first time, it is important to understand which loans are best for you.

Jumbo Programs

Jumbo
A jumbo loan is a loan in which the amount borrowed is greater than the loan limit set by Fannie Mae (FNMA) & Freddie Mac (FHLMC). A loan amount greater than $424,100, is considered a jumbo loan.

Advantages:

  • Able to finance a home that is over the maximum loan amount of $424,100 established by Fannie Mae and Freddie Mac
  • Enables a borrower to purchase “more house”
Unison Home Buyer Program (Jumbo K)

start packing!  We’ve got great news!

What is it? A loan product that allows the buyers to reap the benefits of a home loan purchase that requires a 20% down payment with only 10% of their own funds!

How does this work? The Unison Home Buyer program contributes funds towards your down payment. The contribution is 10%. When the homeowner sells the home, the funds are paid back and include a specific fee based on the change in the home’s value (up or down).

Why Use This Program? 

  • Decrease your monthly payments by eliminating the need for Private Mortgage Insurance
  • No need for a traditional 2nd mortgage or HELOC that has an adjustable interest rate
  • Retain your savings for other purposes (pay o debt, furnish your new home, higher education, etc..)
  • Strengthen your offer in this competitive market! How do I get started? Call your Supreme Lending Loan Officer today!
Jumbo Down To 620 fico

Supreme Lending is pleased to announce the new Non-Conforming D3 with credit scores down to 620 with both Conforming and Non-conforming loan amounts. This program allows for non-warrantable condos.

  • BK, Short Sales and Foreclosures – Only 2 year seasoning!
  • Purchase, R/T and Cash Out options o Cash out to 80% with a 620 FICO
  • Loan amounts ranging from $100k to $2.0mm • FICO scores down to 620
  • LTV up to 90% to $1.5mm with a 660 FICO
  • Reserves as low as 3 months!
  • Non-warrantable condos!
  • Delegated Underwriting

Low Down Payment Loans

FHA | 3.5% Down Payment

The Federal Housing Administration was created in 1934 in an effort to bolster homes sales during the Depression. By financially guaranteeing loans, the FHA lifts much of the risk of non-payment and foreclosure from private lenders. It is important to remember that the FHA is not a lender; they just guarantee your loan.

  • Lower Credit scores permitted (as low as 580)
  • Down Payment can be a gift from a family member
  • Minimum 2 years from Bankruptcy
  • Minimum 3 years from Foreclosure
  • Max 6% Seller Assist
  • Down Payment assistance available through CHENOA Fund
Conventional | 3% Down Payment

Conventional loans are actually any type of creditor agreement that are not guaranteed by the Veterans Administration (VA), or insured by the Federal Housing Administration (FHA). In general, all conventional loans are eligible for sale to the government sponsored entities such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) or to private secondary market investors. There are two different types of Conventional loans; Conforming and Non-Conforming loans. Conforming loans have to meet the guidelines set by Fannie Mae and Freddie Mac. Any loan which does not meet guidelines is a non-conforming loan.

  • Minimum credit score of 620
  • Down payment can be a gift from a family member
  • Max 3% seller assist
10% Down Jumbo
  • 10% Down with NO MI
  • Debt-to-Income Ratio up to 49%
  • Blended Ratios Allowed
  • Non-Occupying Co-Borrower Allowed
  • Loan Amount up to $1.5 million.

The Supreme Advantage of Owning vs Renting

Many people believe they cannot afford to buy a home not realizing that homeownership is within their reach. In fact, your monthly mortgage payment could be less than your monthly rent!  Supreme Lending is dedicated to finding a home loan that is best for you.  Ask us about our Down Payment Assistance and First Time Homebuyer programs and stop renting today!

Rent vs Own:

  • Interest Payments may be Tax Deductible*
  • Potential to Build Equity through your Own Mortgage Payment
  • May be Able to Capitalize on Prospective Market Value Increases
  • Invest in your Own Financial Future not the Landlord’s

Program Highlights:

  • First Time Homebuyer Programs Available
  • Rates are Still Low
  • Low or No Down Payment Options Available
  • Minimum Credit Score FHA 580

*Contact a tax professional to verify eligibility. This is not a guarantee of a tax credit.

By The Numbers

What We’ve Done For Our Clients

%

Close/Fund On TIme

%

Customer Satisfaction

Days Clear to Close

Data is based on company-wide performance as of 1-1-2019

What To Expect

The Loan Process

Are You Ready To Get Started?

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Contact Form
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What To Expect

The Loan Process

Are You Ready To Get Started?

Answer a few of the questions below and we’ll be in touch soon

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Have A Question?

Use the form below anytime, or give us a call during our open hours.

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Office Locations

6 Montgomery Village Ave, Suite 350
Gaithersburg, MD 20879
Directions

10244 River Road Suite 100
Potomac, MD 20854
Directions

Open Hours

M-F: 9am – 5pm, S-S by appointment

Office Locations

6 Montgomery Village Ave, Suite 350
Gaithersburg, MD 20879
Directions

10244 River Road Suite 100
Potomac, MD 20854
Directions

Open Hours

M-F: 9am – 5pm, S-S by appointment

  • This field is for validation purposes and should be left unchanged.

By submitting this form I am agreeing to be contacted by a representative of Supreme Lending.

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