MAKE HOME BUYING EASY
Whether you are buying your first home, renovating your childhood residence, or simply adding to your real estate portfolio — you’ll find a solution that works for your financial needs at First Integrity Team of Supreme Lending
We offer a variety of loan programs tailored to our diverse client’s needs, providing them more opportunities to invest wisely and build wealth far into the future.
You’ll have the full support and dedicated service of our mortgage experts from start to finish. So, whether you’re discussing program options or signing papers on closing day — you’ll feel prioritized and confident every step of the way..
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
Power Plus Mortgage
PowerPlus is a special loan program designed for qualified borrowers who choose not to put 20% down. At First Integrity Team at Supreme Lending, we understand that everyone has a unique financial situation.
Whatever your individual needs, our PowerPlus Mortgage can provide the flexibility you need on your journey to homeownership.
How Does it Work?
With PowerPlus Mortgage, a borrower can purchase a home up to $892,894 with as little as 5% down and a credit score of 700 or better (some restrictions apply), giving you more buying power. The best part? No Private Mortgage Insurance (PMI) will be added to your payment, saving you even more!
A PowerPlus Mortgage can help you:
✔ Save a significant amount of money over the life of the loan
✔ Build equity faster
✔ Lower your monthly payment
✔ Keep cash reserves
✔ Avoid Jumbo loans
✔ Borrow more due to the elimination of Private Mortgage Insurance (PMI)
Portfolio Loan Programs
First Integrity Team at Supreme Lending portfolio loans offer customized lending solutions for borrowers with unique circumstances. Unlike Conventional Fannie Mae and Freddie Mac mortgages and government loans—including FHA, VA, and USDA mortgages, portfolio loans have more flexible terms and do not have to conform to federal underwriting guidelines.
Benefits of Portfolio Loans
Portfolio loans are kept in the lender’s assets or “portfolio” rather than sold on the secondary market. Because they do not have to conform to the standard eligibility requirements of the secondary market, portfolio loans have several benefits for borrowers. Portfolio loans are ideal for borrowers having difficulty getting approved for other types of loans. Since they fall outside the requirements of conforming mortgages, portfolio loans often come with more flexible terms.
Home Loan Highlights
Loan flexibility: the size of the loan does not have to meet current conforming limits.
The lender can set the down payment requirement and underwriting standards.
Private Mortgage Insurance (PMI) is not always required, even if you’re making a lesser down payment.
Portfolio Loans Might Be a Good Mortgage Choice if You Are:
✔ Self-employed.
✔ Credit Challenged.
✔ Have high income, but low net worth.
✔ If you are purchasing a property that does not qualify for a traditional mortgage.
Down payment assistance programs
The most intimidating part of purchasing a home is almost always the down payment. It can be difficult raising a down payment, particularly in urban or highly-developed areas. As a result, thousands of potential homebuyers are discouraged from purchasing a property—and saving on monthly costs—because of a hefty upfront cost. Thankfully, First Integrity Team at Supreme Lending offers down payment assistance in conjunction with many of our most popular home loan programs.
If you’re approved for conventional, FHA, VA, or USDA loans, you’re likely qualified to receive some form of down payment assistance too. There are several different forms that this financial assistance can take, including government grants, gifts from family members, or assistance from community non-profits. All of this can make that unwieldy upfront cost far easier to manage.
Down Payment Assistance Highlights
✔ Down Payment of 0% to 5% of the purchase price for primary residences only.
✔ Missouri’s MHDC program allows for a forgivable 4% in down payment and closing costs.
✔ Illinois’ IHDA program allows for 4% forgivable down payment assistance, 5% deferred down payment assistance, 10% repayable down payment assistance
There are also a variety of community down payment assistance programs that could serve as a substitute or be combined with Missouri’s MHDC and Illinois’ IHDA programs.
Lock and Look
Mortgage rates fluctuate — and since it’s impossible to predict how rates will change daily — locking your rate will give you peace of mind before you start house hunting. With our Lock & Look program, you can take advantage of today’s current rates, removing the uncertainty from homebuying. When you’re ready to put in an offer on a home, you’ll know exactly what you can afford with a competitive mortgage rate in hand!
At First Integrity Team at Supreme Lending, we’ve worked with countless homebuyers like you. Finding your dream home is an exciting time, and the Lock & Look Program was designed to make your homebuying experience worry-free!
How it Works
Lock your loan while you shop for your dream home! If you’re worried about rates going up while you search, we have you covered for 60 to 90 days. That means you’ll know exactly what makes sense for your budget and can shop with confidence and clarity.
Lock Your Mortgage Rate
Apply for a loan with First Integrity Team at Supreme Lending. to lock your rate before you start your home search.
Shop for Your Home
Even if rates increase while you’re home shopping, your rate is locked and will not go up.
Relax and Enjoy the Ride
Lock and shop gives you peace of mind while you’re home shopping so you can enjoy the home buying process without worrying about increasing rates.”
Approval Plus Home Loans
Have you found the house of your dreams, but you’re worried about your offer getting rejected?
First Integrity Team at Supreme Lending’s Approval Plus program gives you the opportunity to compete with cash offers in the current real estate market. The housing market is experiencing record-breaking competition on nearly every sale, meaning small advantages for the buyer can make a big difference. Getting a loan commitment prior to finding your dream home will give you a far better chance of having your offer accepted.
How it Works
When you apply for a loan with First Integrity Team at Supreme Lending, let our team know you’re interested in the Approval Plus program. You will be pre-approved and follow a similar format to that of the regular loan process. What’s different is, our underwriters will review and approve your documentation up front and issue a loan commitment — giving you an advantage to compete with cash offers.
Am I Eligible?
This program is available for Conventional, FHA, and VA Loans.
✔ No down payment assistance allowed.
✔ Minimum credit score applies.
*All loans are subject to underwriter approval and additional terms and conditions may apply.