Scott Eaton - Supreme Lending

08/28/2026

Lock & Look is designed for buyers who want more certainty while they search for the right home. 🔐👀

This program allows a buyer to lock an interest rate ahead of time, even before they’re under contract. That rate protection can help buyers focus on finding the right property without worrying about short-term rate changes impacting affordability.

At Supreme Lending, Lock & Look is used thoughtfully, making sure the lock period aligns with realistic home search timelines. ⏰

This option may be especially helpful when buyers want payment clarity and rate protection while navigating a competitive or unpredictable market.

Lock & Look is subject to loan program guidelines, borrower eligibility, and property requirements. Not all borrowers will qualify. This is not a commitment to lend. Rates and terms are subject to change.
https://myoc.io/IntegrityEaton



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

08/21/2026

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/IntegrityEaton



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

08/14/2026

Lock N’ List is designed to help sellers gain momentum by making affordability part of the listing itself. 🔐

With this program, an interest rate can be locked for up to 90 days and paired with a temporary buy-down, giving buyers a lower monthly payment during the first two years of the loan. The reduced payment may be advertised with the home, helping buyers better understand affordability from the start.

An added benefit for buyers is rate certainty and the option to refinance later if rates improve.
At Supreme Lending, Lock N’ List is used as a strategic tool to help listings stand out when interest rates are top of mind. 💬

This option may be especially effective when a home needs additional attention or a payment-focused incentive to attract buyers.

Lock N’ List is subject to program guidelines, borrower qualifications, and property requirements. Not all borrowers or properties will qualify. Rates and terms are subject to change and availability. This is not a commitment to lend.
https://myoc.io/IntegrityEaton



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

08/07/2026

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/IntegrityEaton



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

07/31/2026

Non-conforming loans are often used when a borrower or property doesn’t align with traditional conforming loan guidelines. 📝

This can include higher loan amounts, unique properties, or financial profiles that don’t fit neatly into standard agency requirements. Rather than forcing a borrower into a loan that doesn’t make sense, non-conforming options allow for more tailored solutions.

At Supreme Lending, these loans are evaluated with a focus on structure, documentation, and long-term sustainability, not shortcuts. 🤝

This type of financing may be a strong option when a standard conforming loan isn’t the right fit, but traditional financing is still the goal.

Non-conforming 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/IntegrityEaton



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

07/24/2026

The Chenoa Fund Down Payment Assistance program is designed to help buyers access FHA financing with support for the required down payment. 💰

Eligible buyers may receive 3.5% in down payment assistance provided by CBC Mortgage Agency. The program does not require first-time homebuyer status and does not impose income limits, making it a flexible option for many borrowers.

Chenoa offers both forgivable and repayable assistance options, depending on structure and eligibility. Some options may also allow for temporary interest rate buydowns, adding another layer of affordability early in the loan.

At Supreme Lending, we help buyers understand how programs like Chenoa fit into their overall homeownership plan. 🏡📝

This option may be especially helpful when FHA financing makes sense but saving for the full down payment is a challenge.

Chenoa Fund Down Payment Assistance program 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/IntegrityEaton



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

07/17/2026

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/IntegrityEaton



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

07/16/2026

5.0 star review received on Experience.com for Scott Eaton by Kylee B - Scott was super responsive and always made the time to discuss any questions that were top of mind. He made us feel like a priority and even closed early! Couldn't recommend Scott or his team more. Great experience!

Click to see all 144 reviews of Scott Eaton - Supreme Lending, REGIONAL PRODUCING BRANCH MANAGER - NMLS ID: 436036

07/16/2026

5.0 star review received on Experience.com for Scott Eaton by Steven L - Always professional, reliable and dependable! Exceptional service with years of experience! I highly recommend Scott eaton of Supreme Lending!

Click to see all 144 reviews of Scott Eaton - Supreme Lending, REGIONAL PRODUCING BRANCH MANAGER - NMLS ID: 436036

07/10/2026

The FNMA HomeStyle® Renovation loan is designed for buyers who want the flexibility of Conventional financing while making improvements to a home. 👷‍♀️🏡

Renovation costs are included in the mortgage, allowing buyers to complete updates without taking on separate loans or using cash after closing. This program may be used for a wide range of renovations, from cosmetic updates to larger structural improvements.

At Supreme Lending, HomeStyle® loans are structured carefully to align renovation plans, timelines, and financing from the start.
This option may be a great fit when a buyer wants to purchase a home and personalize it through renovations using Conventional financing. 🤝

FNMA HomeStyle® Renovation 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/IntegrityEaton



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