Brian Heibel NMLS 563317 Branch Manager at Supreme Lending NMLS 2129

Brian Heibel NMLS 563317 Branch Manager at Supreme Lending NMLS 2129 NMLS # 563317
Supreme Lending is a local mortgage lender specializing in residential mortgages. This is not a cookie-cutter business. It never gets old.

At Supreme Lending, we pride ourselves on being a local mortgage lender dedicated to helping our clients navigate residential purchases and refinances with confidence. With over 25 years of experience in the mortgage industry, I bring a deep understanding of the lending process and a true passion for helping people achieve homeownership. My team and I are committed to delivering a smooth, stress-f

ree experience—and most importantly, closing our loans on time, every time. Whether you're buying your first home, upgrading, or refinancing, we offer a wide range of innovative loan products tailored to fit your unique goals. Clear, consistent communication is the key to success in today’s market, and that’s something we prioritize every step of the way. Over the years, I’ve worked with thousands of clients, and one thing remains true—no two situations are ever the same. Every client has different needs and goals, and I take pride in asking the right questions so I can provide the best possible guidance. When you work with me, you’ll find that I’m responsive, easy to reach, and always here to help. Originally from Columbus, Ohio (a Buckeye through and through), I now call Nashville, Tennessee home. I got my start in the mortgage industry over two decades ago when a friend gave me an opportunity as a loan officer, and I quickly realized I had found my calling. There’s nothing better than sitting at the closing table and watching a client receive the keys to their new home. Outside of work, I’m blessed with an amazing wife of 27 years and three incredible children who inspire me daily. Our oldest son is a Doctor of Physical Therapy in Chicago, where his wife is attending optometry school. Our middle child serves as a firefighter/paramedic with the Columbus Fire Department, and our youngest is an ER nurse here in Nashville. We’re also proud grandparents to two beautiful granddaughters who absolutely light up our world. Family is everything to us—and the reason behind everything I do. If you're thinking about purchasing a home or refinancing your current one, I’d love the opportunity to earn your business and deliver your own “Supreme” experience.

If your buyers want to build, the financing process shouldn’t feel complicated.With a One-Time Close construction loan, ...
06/17/2026

If your buyers want to build, the financing process shouldn’t feel complicated.

With a One-Time Close construction loan, they may qualify and close upfront, lock their rate before construction begins, and avoid a second closing or re-qualification later. 👷‍♀️🏡

It keeps the build moving and removes uncertainty for everyone involved.

Let’s talk about making your clients' next build simple from day one.

Subject to terms and conditions. This is not a commitment to lend.
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

DSCR (Debt Service Coverage Ratio) loans may be a great option for investors who want a more streamlined way to qualify....
06/15/2026

DSCR (Debt Service Coverage Ratio) loans may be a great option for investors who want a more streamlined way to qualify. 📝

Rather than analyzing personal income, DSCR loans look at whether the rental property can support its own payment based on current or market rents. This makes them especially useful for investors who are self-employed, scaling a portfolio, or reinvesting profits.

At Supreme Lending, we work with DSCR programs that offer flexibility across property types and investor strategies, helping buyers focus on smart acquisitions, not paperwork overload.

DSCR isn’t the right fit for every deal, but when the numbers work, it can be a powerful tool for investors. 💰

DSCR loans are subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers or properties will qualify. This is not a commitment to lend.
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

Different properties can bring different financing considerations. If you want to explore options before writing an offe...
06/12/2026

Different properties can bring different financing considerations.

If you want to explore options before writing an offer, I’m happy to help. 📝🤝
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

A Two-Time Close construction loan starts with a short-term, interest-only construction loan which refinances into a tra...
06/10/2026

A Two-Time Close construction loan starts with a short-term, interest-only construction loan which refinances into a traditional mortgage once the home is complete.

That flexibility gives buyers time to choose the best long-term financing option for their future.
More control. Less stress. Better outcomes.

Subject to terms and conditions. This is not a commitment to lend.
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

Getting ready to apply for a mortgage? One of the first steps is understanding your credit score—and gathering the docum...
06/08/2026

Getting ready to apply for a mortgage? One of the first steps is understanding your credit score—and gathering the documents that help paint a clear financial picture. 📝 From your ID to proof of income, being prepared can help speed up the process and avoid surprises. I’m here to walk you through every step and make financing your home as smooth as possible.

Have questions? Let’s connect! 💬

Non-conforming loans are often used when a borrower or property doesn’t align with traditional conforming loan guideline...
06/08/2026

Non-conforming loans are often used when a borrower or property doesn’t align with traditional conforming loan guidelines. 📝

This can include higher loan amounts, unique properties, or financial profiles that don’t fit neatly into standard agency requirements. Rather than forcing a borrower into a loan that doesn’t make sense, non-conforming options allow for more tailored solutions.

At Supreme Lending, these loans are evaluated with a focus on structure, documentation, and long-term sustainability, not shortcuts. 🤝

This type of financing may be a strong option when a standard conforming loan isn’t the right fit, but traditional financing is still the goal.

Non-conforming loans are subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

The market moves quickly, especially on weekends when buyers are actively touring homes. I’m available to help keep fina...
06/05/2026

The market moves quickly, especially on weekends when buyers are actively touring homes.

I’m available to help keep financing aligned so things can move forward smoothly. 🤝
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

Many construction loan programs start around a 620 minimum credit score, with higher scores required for certain convent...
06/03/2026

Many construction loan programs start around a 620 minimum credit score, with higher scores required for certain conventional scenarios or property types.

Every build is unique, which is why conversations matter more than assumptions.

Reach out anytime to review a scenario.

Subject to terms and conditions. This is not a commitment to lend.
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

Let’s debunk another myth about condo loans! When underwriting a condo loan, lenders need to review the condo HOA’s fina...
06/02/2026

Let’s debunk another myth about condo loans! When underwriting a condo loan, lenders need to review the condo HOA’s financial statements, bylaws, insurance policies, and reserve funds to ensure the property is a sound investment. With the additional steps in condo financing, people may think the process takes longer.

That’s where Supreme Lending’s dedicated condo review team comes in to help to move the process along quickly, helping to avoid any potential delays. The more knowledge you have, the more confident you’ll be throughout the mortgage process. When you’re ready to make a move, contact us to get started!
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

The FNMA HomeStyle® Renovation loan is designed for buyers who want the flexibility of Conventional financing while maki...
06/01/2026

The FNMA HomeStyle® Renovation loan is designed for buyers who want the flexibility of Conventional financing while making improvements to a home. 👷‍♀️🏡

Renovation costs are included in the mortgage, allowing buyers to complete updates without taking on separate loans or using cash after closing. This program may be used for a wide range of renovations, from cosmetic updates to larger structural improvements.

At Supreme Lending, HomeStyle® loans are structured carefully to align renovation plans, timelines, and financing from the start.
This option may be a great fit when a buyer wants to purchase a home and personalize it through renovations using Conventional financing. 🤝

FNMA HomeStyle® Renovation loans are subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers will qualify. This is not a commitment to lend. Rates, terms, and availability may vary.
https://myoc.io/BrianHeibel



Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
(www.nmlsconsumeraccess.org), ©2026 Equal Housing Opportunity.

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416 Mary Lindsay Polk Drive, Suite 508, Office B
Franklin, TN
37067

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