Two Step Program

Buy the House, “Rent” the Rate
Two-Step With Supreme and Don’t Miss a Beat!

  • Step One: Purchase and finance your home with Supreme today.
  • Step Two: Refinance your loan with Supreme later with minimal closing costs* when interest rates decrease.

How It Works:
Refinance your original purchase loan with Supreme at least 9 months after your original closing date, and we’ll cover the following fees of your refinance with a lender paid credit at closing: Application, Processing, Underwriting, Closing, Appraisal, Credit Report, and Tax Services. That’s approximately $2,000 in cost savings when you refinance with Supreme! Purchase with confidence now and easily refinance later without significant cost.

*Two-Step program is only valid for Conventional conforming and government loans. Bond/DPA loans ineligible. Qualifying borrowers will receive a lender credit at closing to pay identified costs and fees

Your dream home could be yours for no money down!
The FHA 100% Financing program provides a 96.5% FHA first mortgage and 3.5% or 5% of the purchase price for down payment assistance in the form of a second mortgage forgivable in 5 years.* No income limits apply.

*Funds provided by the Chenoa Fund. Must meet minimum requirements for Chenoa Fund down
payment assistance and FHA loan program. Down payment includes amount from subordinate
financing, which assumes a second lien.

Supreme Dream

Through our Supreme Dream Down Payment Assistance (DPA) program, the first mortgage would be a 30-year fixed FHA loan, followed by a second fully forgivable loan to be used toward the down payment*, closing costs, and prepaids.

Program Highlights

  •  Minimum Credit Score of 620
  • Fully Forgivable Second Loan
  • No Income Limits
  • Maximum Debt-to-Income (DTI) of 56.99%
  • Manual underwriting option
  • 1-2 unit primary residence

*Down payment includes amount from subordinate financing which is a second lien and is forgiven after 60 on-time payments.


Lock N' List ™

Sellers: Take control to sell you home quickly with With Supreme’s Lock N’ List™ Program!

  • Lock in an interest rate for 90 days and buy down the rate to attract more buyers
  • Ideal for sellers who need to sell their home quickly


  • Added peace of mind knowing that the advertised rate will not change prior to purchase
  • Buyers enjoy a lower monthly payment for the first two yeras of their mortgage as a result of a 2% rate reduction in the first year of their mortgage and 1% reduction the second year
  • No additional cost to the borrower

Worried about interest rates rising while searching for a new home? With Supreme Lending’s Lock, Shop, and Drop program, homebuyers don’t have to be!

How It Works

  • LOCK in the best interest rate available today.
  • SHOP for a home with confidence, knowing the mortgage rate is locked in for 60 days with no upfront fee.
  • Once under contract, should interest rates go down, DROP the mortgage rate
    before closing.

It’s that easy—Lock, Shop, and Drop!

Tevis Durbin | Producing Branch Manager | NMLS #424899 | Branch Address 11650 Lantern Rd. Suite 113 Fishers, IN 46038

This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. For New York applicants, please visit our New York authorized website: © 2023 EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING NMLS ID #2129 ( ) 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. All rights reserved. Supreme Lending is an Equal Housing Opportunity Lender. This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. Supreme Lending is not affiliated with any government agency. For licensing information, go to: . Supreme Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, as well as any other rights afforded to applicants under state and federal law.