loan  programs

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 Supreme Lending Kentucky 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..

Conventional Loans

It all starts with a strong foundation—for your home and for your finances. Our Conventional loans provide solid mortgage options for homebuyers and homeowners looking to refinance.

 

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

Traditional mortgages may not fit everyone. Government-backed programs like FHA loans have unlocked the doors to millions of American dreams.

 

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

Supreme Lending is proud to offer VA loans, serving those who have served and sacrificed so much for our nation to achieve their dreams of homeownership.

 

VA loans help millions of eligible military Veterans and active-duty personnel purchase or refinance their homes and provide 100% financing.

✔ Lower interest rates and closing costs
✔ No down payment requirement
✔ No private mortgage insurance required
✔ Fixed-rate and adjustable-rate options
✔ Available for first-time and repeat homebuyers
✔ Variety of eligible VA-approved property types

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

Manufactured homes

Manufactured homes can offer an affordable and practical path to homeownership—without sacrificing comfort or quality. While some lenders limit their offerings, Supreme Lending is proud to support eligible borrowers across Kentucky with financing solutions for manufactured housing.

✔ Financing available through Conventional, FHA, and VA loan programs
✔ USDA loans offered for: – New, never-occupied manufactured homes – Pre-owned manufactured homes (built on or after January 1, 2006)
✔ 1-unit properties only
✔ Eligible for Singlewide, Doublewide, or larger homes (based on program guidelines)
✔ Home must be titled as real property and built on or after June 15, 1976
✔ Down payment assistance may be available through the Kentucky Housing Corporation (for qualified borrowers)

Whether you’re purchasing a new manufactured home or refinancing an existing one, the Settle Team at Supreme Lending is here to help guide you through the process with

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

START THE PRE-APPROVAL PROCESS TODAY!

START THE PRE-APPROVAL PROCESS TODAY!