Jeff Spoelstra - Loan Officer & Mortgage Mentor

09/09/2026

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/homeloansbyjeff



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

09/08/2026

Here's the latest on what's going on in the mortgage industry.

A weekly email detailing the weeks mortgage, real estate and business news.

09/03/2026

Financing a new build works differently than a typical home loan. If you're planning to build, let's talk through how construction financing works and what options may be available for your project. 🏗️

Reach out today, and let's build a plan together.

Loan program eligibility, credit approval, and property requirements apply. Not all borrowers will qualify. This is not a commitment to lend.
https://myoc.io/homeloansbyjeff



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

09/02/2026

The FHA 203(h) program is designed to help homeowners and renters recover after a federally declared disaster.

This loan option allows eligible borrowers to finance the purchase or reconstruction of a primary residence, often with little to no down payment, when their previous home was damaged or destroyed due to a qualifying event. The focus is on restoring housing stability during challenging circumstances.

At Supreme Lending, FHA disaster recovery programs are handled with care and clarity to ensure eligibility, timelines, and documentation requirements are clearly understood. 🤝

This option may be especially important when a home has been impacted by a declared disaster and rebuilding or replacing that home is the next step.

FHA 203(h) 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/homeloansbyjeff



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

09/01/2026

Arms of Angels Blankets needs space to make blankets! The previous venue for large group blanket making is temporarily unavailable and a replacement is desperately needed. 500 to 700 square feet of open space is all. DM me if you know of a room we can use. Soon!

08/27/2026

Construction can take several months, so it's worth understanding your rate lock options before building begins. Available programs and timelines vary, and planning ahead can help you make informed decisions. 🔒

Let's talk about the options available for your construction timeline.

Loan program eligibility, credit approval, and property requirements apply. Not all borrowers will qualify. This is not a commitment to lend.
https://myoc.io/homeloansbyjeff



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

08/26/2026

Hobby farm properties offer space, flexibility, and lifestyle benefits that don’t always fit neatly into traditional lending categories. 📝

While these homes may include acreage, barns, or light agricultural use, they’re often still considered residential when the primary purpose is personal use, rather than income production. That distinction matters when it comes to financing.

At Supreme Lending, we look closely at how the property is used to determine the best loan structure, rather than ruling it out based solely on acreage.

This type of financing may be a good fit when a home offers more land or features than a standard residential property but isn’t intended as a working farm. 🧑🏼‍🌾🏡

Loan program eligibility, terms, and conditions apply. Not all borrowers will qualify. This is not a commitment to lend.
https://myoc.io/homeloansbyjeff



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

08/20/2026

Some builders may offer incentives when you use a preferred lender, and it's worth knowing what's available before you sign anything. 🏠

Let's talk through your financing options and any builder incentives that may apply.

Loan program eligibility, credit approval, and property requirements apply. Not all borrowers will qualify. This is not a commitment to lend.
https://myoc.io/homeloansbyjeff



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