Jeff Spoelstra - Loan Officer & Mortgage Mentor

11/03/2026

This month, I’m taking a moment to recognize the people who serve our country — and the families who stand beside them.

Military service impacts more than the person wearing the uniform. It means moves, long stretches apart, new communities, changing plans, and families learning to adapt together.

To our veterans, active-duty service members, and military families: thank you for everything you’ve given and continue to give.

It’s an honor to serve the people who have served us.


Simply Supreme Team | Supreme Lending

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

11/02/2026

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.

10/28/2026

Foreign National loan programs create a path to U.S. real estate ownership for buyers who live and earn income outside the United States. 💰

Instead of relying on traditional U.S. credit or income documentation, these loans use alternative methods to evaluate financial strength, making them a practical option for international buyers seeking residential or investment property.

At Supreme Lending, we navigate the added layers involved in these transactions with a focus on clarity and structure from the start. 🤝

This type of loan may be a strong fit when a buyer wants to purchase property in the U.S. without permanent residency or U.S.-based credit history.

Foreign National loan programs 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.

10/23/2026

Navigating homeownership in the San Francisco Bay Area can feel overwhelming, but you do not have to do it alone. Across all nine Bay Area counties, city and municipal programs offer Below Market Rate (BMR) and Below Market Price (BMP) housing opportunities for eligible buyers.

Whether you are looking in Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, or Sonoma, options may be available to help bring homeownership within reach.

If you are interested in exploring these programs and seeing what fits your goals, send me a message today.

10/21/2026

The FHA Earned Equity Program (EEP) is designed to help buyers qualify for homeownership by recognizing what they’re already doing well in paying their housing expenses on time.

Instead of relying solely on traditional credit scores, EEP allows verified rent or housing payment history to be used as earned equity. With just three months of bank statements and alternative credit verification, buyers may be able to qualify with FHA financing and as little as 3.5% down. 💵

This program can support a wide range of buyers, including first-time homebuyers, borrowers with no credit score, ITIN borrowers, DACA recipients, and non-permanent resident aliens.

At Supreme Lending, EEP is used to create opportunity while maintaining clear documentation and structure.

This option may be especially helpful for renters with consistent payment history who want a simpler, more flexible path to homeownership. 🏡

The FHA Earned Equity Program (EEP) is 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.

10/14/2026

Ultra Saver is a Conventional mortgage option created to help expand access to homeownership through targeted pricing incentives. 🎯

This program is available for eligible properties located in specific census tracts and offers competitive pricing designed to support affordability and long-term homeownership. It can be used for 1–4 unit primary residences and does not have income limits unless combined with HomeReady® or Home Possible® guidelines.

At Supreme Lending, Ultra Saver is reviewed carefully to confirm property eligibility and ensure the program aligns with its intended purpose.
This option may be a meaningful opportunity when a home is located in an eligible census tract and cost savings can help make homeownership more attainable.🏡🤝

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.

10/09/2026

Here's the latest on the San Jose housing market.

A monthly video email that gives housing statistics by geographical area.