Alex Salas - Supreme Lending

09/09/2026

$966k house for $535,221?

Yes. One of my clients did it last month.

How? BMR.
Below Market Rate.

BMR homes are properties set aside, usually by the city, that you can only buy if your income is below a certain threshold. In this case the limit was roughly around $150k.

The city then sells the home for much less than its worth, to make homeownership more attainable for lower income households.

This is something I can help you with! Consider googling for BMR homes in the area you want to live to get a sense of what's out there.

And YES we can often combine down payment assistance! The buyer in my example used CalHFA which provided first time homebuyer assistance to cover the entire down payment! Just needed money for closing costs.

DM me to learn more.

08/21/2026

CalHFA Dream For All just selected a bunch of people from their waitlist yesterday for 20% down payment assistance vouchers!
https://www.calhfa.ca.gov/dream/

If you applied in May and got waitlisted, then it's time to check your email or log into your portal!

If you're an agent with Dream For All applicants, let your clients know!

And if you're an agent who can use a loan officer that's skilled with down payment assistance, DM me!

The California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers to be used in conjunction with the Dream For All Conventional first mortgage for down payment and/or closing costs.

08/20/2026

Everybody's using AI for efficiency.
Meanwhile I revert to handwritten lists when I get busy lol

Send a message to learn more

08/06/2026

First time homebuyer seminar is in two days! Register now for 8/7 Friday 7-7:30pm with Diante Caraway Realtor and Michelle Serpas Real Estate on Zoom!

I'll be covering the DOs and DON'Ts of homebuying, from a lender's perspective. Michelle and Diante will cover the homebuying process from a realtor's perspective. Start getting yourself ready to be a homeowner one day!

Register here:

First Time Home Buyer Zoom Seminar with Diante Caraway & Michelle Serpas. If you are just starting your home search or planning for later down the line. Join us for our free 30 MINUTE Zoom seminar designed to educate and empower you through every step of the home buying journey! This seminar will fe...

07/31/2026

Friday 8/7 at 7pm! I'll be co-hosting a Zoom info session with local realtors Diante Caraway Realtor and Michelle Serpas Real Estate

Come learn about the homebuying process, down payment assistance, pre-approval tips -- and bring your questions!

Register below and DM me questions
https://docs.google.com/forms/d/1jp5ANDP3cTlNs2R213F42aaAsGRqnO_itfA_-sFbghg/edit?ts=6a62dbb8

07/23/2026

Saturday 10-11:15am 7/25 is a Zoom info session for the 40%/$200,000 HAP down payment assistance program!

They'll go over:
- Program Overview and Updates
- Eligibility Requirements
- Required Documentation
- Application process

This is a first time homebuyer program for Alameda/Contra Costa County purchases.

Sign up in the link! DM me questions.

Upcoming Events Loading view. Views Navigation Event Views Navigation List List Month Today Upcoming Upcoming Select date. July 2026 Sat 25 Featured July 25, 2026 @ 10:00 am - 11:30 am Discover the Home Access Down Payment Assistance Program – Free Info Session Zoom - Online Are you a first-time h...

06/17/2026

Live in Alameda/Contra Costa County? Want to buy your first home? Would your new household meet these income limits? Do you have a 620 FICO?

If so, you may be eligible for 40% down payment assistance (up to $200,000)!

Check out the link. DM me to learn more and get yourself ready!

We use transformative housing finance and public and private partnerships to create more equitable and affordable communities.

06/11/2026

Buy in Concord >> get $60,000 assistance.

If you're a first time buyer with a 640 FICO, get this program on your radar!

This is $60k of assistance from the city, to cover your down payment and closing costs. No monthly payment, but is repaid after 15yrs with a proportional share of your home's appreciation.

Income caps are $167,775 for a 1-person household, $191,775 for 2, etc.

First come first serve! DM me to discuss or check out their site:

The City is pleased to provide limited down payment assistance for the purchase of a first home, with eligibility based on income and household size. The program is designed to assist low and moderate-income households.

05/29/2026

Helped two clients close escrow yesterday on a $555,000 house.

The best part? $400k was their max with their first lender, unless they waited until August 2027 to build up a two year job history 🧐

The lesson? Get a second opinion from a reputable lender!!! Especially if you're using down payment assistance.

Send a message to learn more

05/20/2026

Dream For All today!!!
If you entered the CalHFA lottery, go check your email to see if you were selected for a 20% down payment assistance voucher!

If you have mortgage questions, DM me

Send a message to learn more