Randy Raymo Residential Mortgage Expert

Randy Raymo Residential Mortgage Expert Your dedicated senior mortgage loan officer, with 15 years experience licensed in 17 states. NMLS #301262 at Supreme Lending #2129 At Michigan Mutual, Inc.

we believe that purchasing a home is one of life’s most monumental events. It is more than a transaction. For most people, it is a life-changing investment. We believe that our customers deserve the care and attention of a partner who views their home with the same level of commitment. Someone who will rise to the occasion of life’s biggest moments. we pride ourselves on engaging with our clients

from the very beginning—serving as a partner in the mortgage process every step of the way. You can trust us to do exactly what we say. That’s why we encourage our customers to Think Bigger and Expect More. Whether you are buying your first home, moving up or refinancing, we will deliver the personal service you should expect from your mortgage company.

A HELOC (Home Equity Line of Credit) can be a smart tool for homeowners who want flexibility without giving up their cur...
06/01/2026

A HELOC (Home Equity Line of Credit) can be a smart tool for homeowners who want flexibility without giving up their current mortgage rate.
Instead of replacing the first mortgage, a HELOC provides access to equity as a revolving line of credit. 🪪

Funds can be used for things like home improvements, debt consolidation, or covering large expenses PLUS interest is only paid on what’s actually used.

At Supreme Lending, we help homeowners evaluate whether a HELOC fits their overall financial strategy, not just today’s need.

A HELOC isn’t right for every situation, but when flexibility matters, it can be a powerful option.
Happy to talk through when this makes sense. 📲

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



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

USDA loans may allow no down payment for qualified borrowers, which can help reduce upfront costs. Eligibility and loan ...
05/28/2026

USDA loans may allow no down payment for qualified borrowers, which can help reduce upfront costs. Eligibility and loan terms vary based on qualifications.

Curious what your out-of-pocket could look like? Let’s run the numbers together. 🤝

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

Non-QM (Non-Qualified Mortgage) loans are often misunderstood. They aren’t “subprime." They’re simply designed for borro...
05/25/2026

Non-QM (Non-Qualified Mortgage) loans are often misunderstood. They aren’t “subprime." They’re simply designed for borrowers with more complex income or asset structures. 📝

These programs allow lenders to use alternative methods to document income or qualify a borrower, which can be especially helpful for business owners, investors, and high-net-worth clients.

At Supreme Lending, Non-QM is about finding the right solution, not forcing a borrower into the wrong loan. When used appropriately, these programs create flexibility and opportunity without cutting corners.

Non-QM isn’t for everyone, but for the right borrower, it may open doors that traditional financing can’t. 📲

Non-QM 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/



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

USDA loans have income limits that vary by location and household size. These limits are designed to support buyers with...
05/19/2026

USDA loans have income limits that vary by location and household size. These limits are designed to support buyers within certain income ranges and are updated periodically.

Check the USDA website or connect with me to ensure your income fits the bill for USDA loan eligibility.

Let's make sure you're on the right track! ✅

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

Smart Saver is a Conventional mortgage option designed to help eligible homebuyers reduce their monthly payment by elimi...
05/18/2026

Smart Saver is a Conventional mortgage option designed to help eligible homebuyers reduce their monthly payment by eliminating mortgage insurance. 📝

With as little as 3% down, qualified buyers may access a Conventional loan structure that does not require mortgage insurance, which can create meaningful monthly savings over time. Income limits apply in non-targeted census tracts, while no income limits apply in designated targeted areas. The program is also limited to specific Metropolitan Statistical Areas (MSAs).

At Supreme Lending, Smart Saver is reviewed carefully to confirm both income and geographic eligibility so the loan structure aligns with the program’s intent.

This option may be a strong fit when avoiding mortgage insurance is a priority and the home is located in an eligible area. 🔍

Smart Saver loan programs 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. Rates, terms, and availability may vary.
https://myoc.io/



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

Most buyers don’t realize this exists 👇The MSHDA Mortgage Credit Certificate (MCC) allows eligible Michigan homebuyers t...
05/14/2026

Most buyers don’t realize this exists 👇

The MSHDA Mortgage Credit Certificate (MCC) allows eligible Michigan homebuyers to receive a federal tax credit for a portion of the mortgage interest they pay each year.

✔️ It’s a credit, not a deduction
✔️ May improve monthly cash flow
✔️ Helps with long-term affordability
This is one of those programs I always review when helping buyers build a smart financing plan.

📲 Message me if you want to see if the MCC may work for you.

Randy Raymo
📞 810-602-9306
📧 [email protected]
🏦 Supreme Lending
NMLS #301262

Program eligibility, terms, and conditions apply. Not all borrowers will qualify. Loan rates, terms, and program availability are subject to change and may vary based on borrower qualifications, property type, and location. This is not a commitment to lend.

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

The Supreme 100 program is a conventional loan option that includes down payment assistance for eligible borrowers. 💰Thi...
05/14/2026

The Supreme 100 program is a conventional loan option that includes down payment assistance for eligible borrowers. 💰

This program allows qualified buyers to pair a conventional first mortgage with up to 4% assistance, subject to underwriting approval and program requirements.

Key points to know:
• Primary residence only
• Credit, income, and education requirements apply
• Program availability varies
• Not all borrowers will qualify

If you’d like to review whether this option aligns with your homeownership goals, I’m here to help.

📲 Contact me to get started.
Randy Raymo
📞 810-602-9306
📧 [email protected]
🏦 Supreme Lending
NMLS #301262

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

One of the biggest reasons buyers think they can’t purchase a home is the upfront cost. 💡 In Michigan, MSHDA Down Paymen...
05/12/2026

One of the biggest reasons buyers think they can’t purchase a home is the upfront cost.

💡 In Michigan, MSHDA Down Payment Assistance may help eligible buyers with:

• Down payment
• Closing costs
• Cash needed at closing

As a loan officer, I help buyers navigate eligibility, income limits, and how this program fits into their overall loan strategy.

📩 If you’re buying in Michigan and want to explore your options, let’s talk.

Randy Raymo
📞 810-602-9306
📧 [email protected]
🏦 Supreme Lending
NMLS #301262

Program eligibility, terms, and conditions apply. Not all borrowers will qualify. Loan rates, terms, and program availability are subject to change and may vary based on borrower qualifications, property type, and location. This is not a commitment to lend.

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

Address

Port Huron, MI
48060

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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+18106029306

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