Finance Your Dream Home

Loan Programs

What to Expect

the supreme lending advantage

Here to guide you every step of the way

Brian Fiore

Producing Branch Manager | NMLS #376921

Office: 484.747.6664
Cell: 703.409.5069
Fax: 484.747.6675
Brian.Fiore@SupremeLending.com

We evaluate the facts, present options, explain how things work, and allow our clients to decide what is best for them. The difference between us and your average loan officer is that we know mortgage guidelines like we know our own siblings. We know what’s worked in the past and what hasn’t.

Qualifying for a mortgage can be stressful for first time homebuyers. They’ve never been through the process so they need a different type of communication. You have to really enjoy working with these folks to deliver service that makes everyone happy not just when the deal closes, but throughout the whole process. That’s what we strive for, and that’s what we deliver.

the supreme lending difference

Mortgage process  step-by-step

Application Do's and Dont's

You’re looking for a smooth loan approval and closing process. Following these tips helps with that.

With all the information and details that go into the mortgage process, it’s important to know how seemingly small details can have a big impact on your experience.

The Do’s

Do bring a cashier’s check made out to the title company for your closing costs. You can bring a personal check to closing for $500 or less.

Do notify us if your salary or other compensation has changed from what has been noted on your loan application.

Do inform us if your address changes from what appears on your original loan application. We complete rental and mortgage verification for all of your residences within the last two years.

Do obtain homeowners insurance with minimum coverage equal to the amount of your total loan or the replacement value of the house. Call our team with your agent’s name and phone number at least 10 days before closing.

Do keep documentation (or a “paper trail”) on any large deposits into your account. A paper trail consists of copies of all paperwork necessary to facilitate the transaction. This may include copies of paychecks, deposit slips, loan paperwork, forms to liquidate assets, etc.

Do notify us if you move funds from one account to another and provide a “paper trail” on any transactions.

Do make sure you have a clear termite report on the property. If the termite report is not clear, provide a receipt for treatment that shows the chemicals and the amount used for treatment (upon request).

The Dont’s

Don’t acquire any additional credit lines or make any large purchases on existing credit without first consulting our team. For example, purchasing a car or buying appliances for your new home will change your debt-to-income ratio.

Don’t change jobs without consulting our team. A change in compensation may affect your ability to qualify. Homebuyers must have a two-year history of bonus and/or commissions to be counted as income. Supreme Lending may verify employment on the day of closing as a quality control check.

Don’t co-sign with anyone to obtain a line of credit or make a purchase. The payment will show up on your credit report as an additional debt.

Don’t negotiate your contract with an allowance and expect to get money back at closing. An allowance can be used to pay closing costs and/or prepaids.

Glossary of Mortgage Terms

supreme lending

by the numbers

combined years of experience

%

customer satisfaction

fund on time

Data is based on company-wide performance as of 1-1-2022

testimonials

what our clients  think of us

Keith Y

“I wanted to thank the team for the closing yesterday. Under the new mortgage guidelines, I can see that underwriting process was rough. However, your team (Karen, Fred, and You) have my borrowing experience much pleasurable and appreciative to your service. Despite of my small loan request, I was treated like a VIP and I received prompt responses every time I contacted anyone of your team member. Also, in order for us to close on Monday prior to my travel schedule, I appreciate Karen’s dedication for working on my file on Saturday to have it ready for a review first thing Monday morning. Your entire team was accessible, knowledgeable, and professional throughout the entire proceeds. We need more dedicated / honest professionals like your team in our financial industry. Again, I thank you and your team for all that you’ve done to make my closing possible. Truly yours, Keith”

Michelle F.

“Thank you very much again, Fred! We appreciate all of your help and assistance with the home buying experience. It definitely means a lot to us! Wishing you all the best also.”

Dan R

“Thanks again Brian. Tabi and I will definitely reccomend you and Matt for sure to anyone looking to buy or sell their home. You made the process much less stressful than it could have been. We really appreciate that. Thanks, Dan”

Sean O.

“They have done well in every aspect. Thank you.”

Our job is helping borrowers navigate to a successful close

The difference between us and your average loan officer is that we know mortgage guidelines like we know our own siblings. We know what’s worked in the past and what hasn’t.

Get In touCh

Contact us to find out how much you can get pre-qualified for or just to Schedule a call.

Consent

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Brian Fiore | Producing Branch Manager, NMLS #376921 | Branch NMLS #1584383 | Office: 484.747.6665 | 3400 Bath Pike, Suite 302 | Bethlehem, PA 18017

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: www.supremelendingnewyork.com. © 2023 EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING NMLS ID #2129 (www.nmlsconsumeraccess.org ) 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: www.nmlsconsumeraccess.org . 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.