HOMESÍ by Supreme Lending
14801 Quorum Drive, #300, Dallas, TX 75254
https://www.supremelending.com/
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Thông tin cơ bản
Supreme Lending, ISAOA/ATIMA 14801 Quorum Drive, Suite 300 Dallas, TX 75254
N/A
Chính sách khóa & Phí
Chính sách khóa
- Extension Availability: Yes, extensions are offered.
- Cost Structure: Typically charged as a fee (often expressed in basis points, e.g., 0.025%–0.125% of the loan amount depending on the number of days extended).
- Length Options: Common increments are 7, 15, or 30 days.
- Policy: Extensions must be requested before the lock expires; once expired, the loan usually has to be relocked at current market pricing.
- Relock Availability: Yes, borrowers can relock after expiration.
- Pricing Basis: The new lock is based on current market rates, not the expired lock terms.
- Fees/Adjustments: may charge a relock fee or apply a pricing adjustment depending on how long the lock was expired.
- Policy Note: Relock is different from an extension — extensions keep the original lock alive, while relock starts fresh at market pricing.
Thị trường ngách & Hạn chế của đơn vị cho vay
Supreme Lending’s niche lies in serving self-employed borrowers, real estate investors, and first-time homebuyers through specialized loan programs such as bank statement loans, DSCR investor loans, and exclusive down payment assistance programs.
Common Supreme Lending Overlays:
- Credit Score Minimums: FHA technically allows down to 580, but Supreme Lending generally requires 620–640 minimum FICO. Conventional loans often require 640–660 minimum FICO instead of the agency’s 620.
- Debt-to-Income (DTI) Ratios: Conventional loans capped at 45% DTI, even though Fannie Mae allows up to 50%. FHA loans capped at 55% DTI, while HUD technically allows higher with compensating factors.
- Manual Underwriting: Limited acceptance; requires strong compensating factors such as reserves or rental history.
- Property Restrictions:
Condos: Non-warrantable condos face stricter review.
Manufactured Homes: Higher credit score requirements and stricter appraisal standards.
- Income Documentation: Self-employed borrowers typically must provide two years of tax returns, even though agency guidelines sometimes allow one year.
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