Dan Flavin - Supreme Lending

Dan Flavin - Supreme Lending NMLS # 112247
Licensed in DE, DC, MD, PA, NC, SC, GA, FL and VA

I’ve been doing mortgages for 25+ years.And I keep seeing very smart people do the same thing… and then look genuinely c...
02/04/2026

I’ve been doing mortgages for 25+ years.

And I keep seeing very smart people do the same thing… and then look genuinely confused when it blows up.

They save $50,000 for a down payment.

High five.
Gold star.

Then they call me, excited, ready to buy.

Credit is good.
Income checks out.
Savings account looks beautiful.

And then the math ruins the mood.

Car payment.
Student loans.
A couple credit cards.
Nothing crazy on its own.
But stacked together?

Their debt ratio is too high.

Now they don’t qualify for the house they want and they’re wondering how saving for years somehow didn’t help.

This is the part no one explains.

Lenders care way more about your monthly cash flow than how big your savings account is.

You can have $100k in the bank and still get told no if your monthly obligations are heavy.

I see this all the time in my Path 2 Buy program.

Sometimes paying off a $15k car loan unlocks $80k more in buying power.

Sometimes putting less down is actually the smarter move.

Sometimes the best move is just… different than what your uncle said at Thanksgiving.

It’s not about saving the most.

It’s about positioning yourself correctly.

Talk to a loan officer before you start saving.

Not after.

Not once you’re under contract.

Now.

30 Second Homebuyer Tips with Dan FlavinPath 2 Buy: Home Ownership Builds Wealth
02/03/2026

30 Second Homebuyer Tips with Dan Flavin

Path 2 Buy: Home Ownership Builds Wealth

"My last lender didn't ask for ANY of this."I could tell the guy was annoyed by the tone of his voice.Look I get it.By t...
12/05/2025

"My last lender didn't ask for ANY of this."

I could tell the guy was annoyed by the tone of his voice.

Look I get it.

By the time someone calls me they're already dealing with work, family, house hunting.

Now I'm asking for bank statements from some account they forgot they even had.

Feels like one more thing.

But what he can't see is the alternative.

Week three. Everyone's excited about the house. Closing date is set. Then something pops up that should've been caught day one.

Mystery deposits that need to be explained. Tax returns where the numbers don't line up.

Income that looked fine until we actually had to verify it.

Now it's a real problem and everyone's already attached.

That's the stress that keeps people up at night.

So yeah I ask for everything upfront.

Rather deal with some frustration now than watch the whole thing blow up later when it matters.

You know what always happens though?

The clients who are most annoyed with me in the beginning are the ones thanking me at closing.

Because nothing went wrong. No surprises. No fires.

Boring closings are the best closings.

They just don't happen by accident.

Agent I work with called me about a self-employed buyer deal that was falling apart.They were already under contract and...
11/21/2025

Agent I work with called me about a self-employed buyer deal that was falling apart.

They were already under contract and 30 days from closing.

Credit union couldn't figure it out.

Buyer was already pre-approved. Everything looked good on paper.

Then underwriting got involved and suddenly they didnt know how to make the income work.

Agent knew I specialize in self-employed borrowers so she asked if I could take a look.

I reviewed the loan.

Tax returns were fine. Income was there. Credit union just didn't know what they were looking at.

Problem was they only had maybe 3 or 4 loan programs to choose from.

I have access to probably 50.

Found a program that worked, got the buyer re-approved in 3 days and closed on time.

I didn't even get mad at the credit union.

They do what they do. They have low rates, limited programs and most of their members are W2 employees.

Self-employed borrowers are just different.

You need to know how to read business tax returns. Understand depreciation. Know which expenses add back to income and which ones don't.

Most importantly you need access to programs that actually work for self-employed people.

Credit unions and big banks usually don't have that.

This is why agents in my area send me the complicated ones.

Not because I'm special.

Because I've done enough of these to know what works and what doesn't.

And I have the programs to back it up.

The easy deals with W2 income and 20% down?

Anyone can close those.

The self-employed buyer who got turned down by their credit union?

That's where you prove you know what you're doing.

I watched a highly qualified buyer lose 5 houses in a row... 🤬He had perfect credit, was fully approved and was ready to...
11/21/2025

I watched a highly qualified buyer lose 5 houses in a row... 🤬

He had perfect credit, was fully approved and was ready to close.

His agent just couldn't win a deal.

She was a family friend so he didn't want to switch.

But after the 5th loss I had to ask her what was going on.

Her response: "Most of my buyers pay cash so I'm not used to competing with financed offers."

So you don't know how to negotiate when there's a mortgage involved.

I started calling listing agents myself before offers went in.

Walking them through how solid this buyer was. Explaining our track record. Making sure they knew the deal would close.

Still didn't win.

Because at the end of the day, I cant control what the agent does on her end.

The buyer was stuck. Family friend. Didn't want to hurt feelings.

So he kept losing.

This is the part of the business nobody talks about.

You can have perfect credit, full approval, everything lined up.

But if your agent doesn't know how to position a financed offer, you're gonna lose.

Every single time.

The agent matters just as much as the lender.

Maybe more.

I can get someone approved and make sure underwriting goes smooth.

But I cant negotiate the contract for them.

I cant build relationships with listing agents in their market.

I cant make their offer stand out when 6 others come in.

That's the agents job.

And when they don't know how to do it, the buyer pays the price.

This is why I only partner with agents who actually know how to win.

Not because I'm picky.

Because I care about getting people into houses, not just getting them approved.

11/21/2025

30 Second Homebuyer Tips with Dan Flavin: The 50 Year Mortgage

Got a call from a past client who was panicking about drowning financially.He had lost his job, his bills were stacking ...
11/21/2025

Got a call from a past client who was panicking about drowning financially.

He had lost his job, his bills were stacking up and it was making him get behind on everything.

Took one look at his equity and knew exactly how to fix it.

He had a relatively small mortgage but the house value had gone up a ton since he bought it.

So we did a refi.

Pulled some equity out. Paid off all his high interest debt. Restructured everything into one manageable payment.

Nothing fancy. Just basic math that he didn't realize was an option.

A week later I get a package in the mail.

Gift from him with a note that said I "saved his financial life."

I didn't save anything.

Just showed him what was possible with the equity he'd already built.

But I did tell him one more thing.

You need to talk to a financial advisor so we don't have to do this again.

Because a refi can fix the problem today but it doesn't fix the habits that got you here.

He agreed. I connected him with someone I trust.

The thing most people don't understand is that your house isn't just a place to live.

Its a financial tool.

And when life hits you sideways, that equity you've been building can actually help.

But only if you know its there and know how to use it.

Most loan officers only call when rates drop.

I stay in touch because I actually want to know when someone needs help.

That's how you build a business that lasts.

By being there when people need you the most.

Got a call a few weeks back from a 25 year old kid I'd never met.Good job. Saved up a solid down payment. Ready to buy h...
11/14/2025

Got a call a few weeks back from a 25 year old kid I'd never met.

Good job. Saved up a solid down payment. Ready to buy his first house.

First thing he says: "My mom told me to call you before I do anything."

I had to think for a second about who his mom was.

Then I remembered.

Helped her maybe 2 years ago during her divorce.

She hadn't done any of the mortgage stuff before. Her ex always handled it.

So I walked her through the whole process.

Talked to her financial advisor about the asset split. Coordinated with her attorney. Even dealt with the ex husband directly on how we'd distribute everything for the refi.

It wasn't complicated but she was overwhelmed.

Just needed someone to explain what was happening and handle the coordination.

We got it done. She moved on with her life.

I stayed in touch. Not like aggressive follow up or anything. Just checked in occasionally.

Fast forward to a few weeks ago.

Her son is 25. Has everything lined up financially. Wants to buy.

And his mom told him don't even look at houses until you talk to Dan.

That's the thing about doing it right the first time.

People don't just remember you.

They tell the people they care about most to call you.

I didn't ask for that referral.

Didn't have to.

Just did my job and made a stressful situation easier for someone who needed help.

Most loan officers are out here chasing leads and running ads.

The best business I've ever gotten came from people I helped years ago who never forgot it.

She got rejected by 3 lenders before calling me.50 years old. Self-employed. Never owned a home.Looked at her file for m...
11/14/2025

She got rejected by 3 lenders before calling me.

50 years old. Self-employed. Never owned a home.

Looked at her file for maybe 10 minutes and saw what everyone missed.

Her tax returns were the problem.

She ran a legit business with good income but her accountant had her writing off everything to save on taxes.

Works great for the IRS.

Kills you when you're trying to get a mortgage.

Most loan officers just look at the bottom line and tell people no.

I told her we need to wait till January when she files next year.

Restructure how she reports income and we can get her approved.

Nine months out.

Probably 90% of LOs would've just moved to an easier deal.

But I walked her through what to expense and what to leave alone.

Got her connected with a CPA who actually understands mortgage qualification.

Checked in every month or so to make sure she stayed on track.

January rolls around. She files.

I pull the new return and run numbers.

She's approved.

Found a house for 500k.

First home at 50.

Maybe two weeks later she calls me about her coworker who wants to buy.

That person ended up referring 3 more people.

The easy deals with perfect credit and 20% down are great but those people have a hundred options.

The complicated ones nobody else wants to figure out?

Those are the ones who remember.

They say love at first sight is real—we say it happens when you walk into your dream home 😍🏡.Let’s make it happen this F...
04/29/2025

They say love at first sight is real—we say it happens when you walk into your dream home 😍🏡.

Let’s make it happen this February! Call me today to get started.
Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2025 Equal Housing Opportunity.

I brought in a top video marketing expert to teach 16 agents how to double their business with simple videos.Most agents...
04/25/2025

I brought in a top video marketing expert to teach 16 agents how to double their business with simple videos.

Most agents know they should be doing video, but they don't know where to start.

That's why I hosted this special training, bringing in a social media coach who specializes in real estate video marketing.

The expert shared 10 proven video strategies, including some game-changers:

→ Personalized home updates that keep past clients engaged
→ Custom intro videos that convert new leads
→ Community spotlight videos that establish local expertise

The agents were shocked when they saw how easy these videos are to create.

No fancy equipment needed.
No editing skills required.
No need to be "perfect" on camera.

Using just BombBomb and the Splice editor on their phones, they can create professional-looking videos in minutes.

One agent admitted she'd been avoiding video for years because she thought it would be complicated and expensive.

By the end of our session, she'd already recorded and sent her first video email.

The best part? These aren't just "marketing" videos.

These are relationship-building tools that help agents stay top-of-mind and build trust with their sphere.

And that's what actually leads to more listings, more buyers, and more closings.

As a mortgage professional who's spent 20+ years working with agents, I'm passionate about helping them grow their business.

Because when they succeed, we all succeed.

PS: I'm thinking about hosting another video marketing workshop next month. If you're an agent looking to stand out from the competition and close more deals using video, drop a comment below.

04/07/2025

Click to see all 144 reviews of Dan Flavin - Supreme Lending, Producing Branch Manager

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21043

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