Jeff Spoelstra - Loan Officer & Mortgage Mentor

06/15/2026

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.

06/12/2026

Many buyers are surprised to learn that certain types of disability income may be considered when qualifying for a home loan. 🏡

This may include income such as Social Security Disability, Supplemental Security Income, VA disability benefits, or other eligible long-term disability income sources.

Every borrower’s situation is unique, and documentation requirements can vary by loan program and loan type. As your Supreme Lending loan officer, I can help review your scenario and walk you through what may be possible. 💻

Loan program eligibility, income documentation, and borrower qualifications 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.

06/10/2026

Doctor loans are structured with physicians in mind, recognizing the unique path that comes with medical training and practice. 🩺

High student loan balances, delayed earning years, and complex compensation structures can make traditional mortgage qualification challenging, even with strong long-term income potential. Doctor loan programs are designed to account for these realities.

At Supreme Lending, we help physicians navigate these options with a focus on long-term financial flexibility, not just getting into a home quickly.
This type of loan may be especially useful for doctors who are early in their careers and balancing student debt with homeownership goals. 🏡

Doctor loans are subject to loan program guidelines, borrower eligibility, and property requirements. 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.

06/10/2026

HomeReady® and Home Possible® are Conventional loan programs created to help buyers with lower incomes achieve homeownership. 🏡

These programs are designed to support affordability through lower down payment requirements and more flexible guidelines, while still offering the stability of Conventional financing.

They’re often used by buyers whose income falls within program limits and who are looking for a more accessible path to purchasing a home.

At Supreme Lending, these options are reviewed carefully to confirm eligibility and ensure the loan structure supports long-term success. 🤝

This type of financing may be a strong fit when income is limited but homeownership goals are within reach.

Loan program eligibility, terms, and conditions apply. 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.

06/08/2026

A new down payment assistance program now available from the city of Concord! DM me now for details. The available funds may not last long.

06/05/2026

☀️ Buy in summer, move in sooner

Longer days, more options… and the perfect time to find your new home 🏡✨ Let’s make your move happen this season.

Let’s make your move happen this season. Get in touch with me today!

https://myoc.io/homeloansbyjeff

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

06/03/2026

Bridge loans are designed for situations where timing doesn’t line up perfectly.

They allow buyers to tap into equity from their current home to help purchase a new one before the existing property is sold. This can reduce pressure around contingencies and provide more flexibility during a move.

At Supreme Lending, bridge loans are evaluated carefully to ensure the short-term structure aligns with the longer-term plan. 📝

This type of loan may be useful when a buyer wants to move forward on a new home without waiting for their current home to sell first.

Bridge loan eligibility is subject to loan program guidelines, borrower qualifications, and property requirements. 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.

06/01/2026

AI with HI added - the winning combo for the future. DM me when you’re ready to move forward.