Garry Settle, NMLS 13547 - Supreme Lending

09/08/2026

09/07/2026

A strong week doesn’t begin with a long list. It begins with one meaningful commitment you are willing to keep.

Choose one action that will make a real difference, then follow through before the week gets crowded with competing priorities.

For a borrower, it may be completing the next document or having the conversation that moves your homeownership plan forward.

For a Realtor, it may be making the call that strengthens a client relationship.

For a Loan Officer or professional, it may be giving one important task your full attention and seeing it through.

One commitment may seem small, but keeping it builds trust in your own word: and creates the foundation for stronger results.

My challenge for you this Monday: decide what matters most, write it down, and make it the commitment you keep.

Finish strong by starting with one.

09/06/2026

Supreme Dream is a down payment assistance program created specifically to work with FHA loans, helping buyers manage upfront costs more effectively.

It offers two flexible options. The 3.5% forgivable option has no interest and no monthly payment and is forgiven after five years of on-time mortgage payments. The 5% repayable option is structured as a 10-year fixed-rate second mortgage with low monthly payments. 🏡💰

There is no first-time homebuyer requirement and no income limits.

At Supreme Lending, FHA programs paired with down payment assistance are evaluated carefully to support both affordability at closing and long-term success. 🤝

This option may be especially helpful when FHA financing makes sense and assistance is needed for down payment, closing costs, or lowering the initial payment.

Supreme Dream 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/garrysettle



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

09/05/2026

Buyers often want to compare options before writing an offer. If you’re wondering how a different price point or down payment affects the payment, I’m happy to help run scenarios. 💻
https://myoc.io/garrysettle



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

09/04/2026

A mortgage transaction may have a closing date. A trusted relationship should not.

The strongest Loan Officers stay connected long after the loan funds. They continue providing value, following up consistently, and making themselves available when clients or referral partners need guidance: not just when there is a new application.

That approach turns one transaction into lasting trust. It creates relationships with homebuyers who know where to turn, and referral partners who value having a dependable resource in their corner.

At Supreme Lending, the Settle team believes long-term relationship management is at the heart of a meaningful mortgage career. If you’re a Loan Officer who takes pride in serving people before, during, and after the transaction, we’d like to connect.

Build a career around relationships that last.

09/03/2026

Before the first showing, the most valuable conversation may happen before a buyer ever walks through the door.

Realtors, a quick planning conversation with the lender can help clarify a buyer’s comfortable payment range, available cash, financing options, boundaries, and next steps: not just their maximum approval amount.

That early clarity helps buyers evaluate homes with realistic expectations and gives you more time to focus on clients who are prepared to move forward when the right property appears.

The Supreme Lending Settle Team is ready to collaborate before the search begins, help your buyers understand their options, and create a clear plan for the road ahead.

If you’re looking for a lender partner who helps prepare buyers before the first showing, let’s connect.

09/02/2026

A strong offer is not just about the price: it starts with knowing exactly how you plan to finance the home.

Before you begin negotiating, take time to understand:

✓ Which financing options fit your goals and situation
✓ The payment range you are comfortable with: not just the maximum you may be approved for
✓ How much flexibility you have for cash to close, earnest money, and other upfront costs
✓ Which documents may be needed when the right home appears

When these decisions are made in advance, you can approach an offer with greater confidence and fewer last-minute questions. You and your real estate agent can focus on the terms that matter, while your loan officer has the information needed to help you evaluate the opportunity responsibly.

The goal is not to stretch as far as possible. It is to make an informed offer that fits your broader financial plan.

If you are preparing to buy, connect with the Supreme Lending Settle team to review your options and create a clear plan before you start negotiating.

08/31/2026

Your attention is one of your most valuable resources. Protect it accordingly.

Whether you’re helping a client move toward homeownership, guiding a transaction, building a referral network, or leading a team, not every request deserves immediate attention.

Choose the priorities that matter most. Limit the distractions that pull you away from them. Then give important work your full attention instead of dividing it between five competing demands.

Focus creates clarity. Clarity improves decisions. And better decisions build trust.

This week, ask yourself: What deserves my best attention today: and what can wait?

Lead with intention, stay present, and make your focus work for you.

: Garry Settle

08/30/2026

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/garrysettle



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