Adria Reeder-Supreme Lending Settle Team

Adria Reeder-Supreme Lending Settle Team Adria Reeder [Loan Officer]
NMLS # 2566720

Bridge loans are designed for situations where timing doesn’t line up perfectly.They allow buyers to tap into equity fro...
06/24/2026

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/LOANS



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...
06/19/2026

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/LOANS



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

Investment Edge is designed for investors who are purchasing with a 25% down payment and want financing that reflects th...
06/17/2026

Investment Edge is designed for investors who are purchasing with a 25% down payment and want financing that reflects that lower risk profile.

This Conventional program applies to purchase transactions on 1–4 unit investment properties and follows standard agency guidelines. By putting more money down, investors may benefit from improved pricing compared to higher-leverage investment options. 🏡

At Supreme Lending, Investment Edge is used strategically for buyers who want Conventional financing while optimizing long-term loan terms.
This option may be a strong fit when an investor is buying with a 25% down payment and wants to take advantage of better pricing within Conventional guidelines. 💰

Investment Edge is 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/LOANS



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

The FHA 203(h) program is designed to help homeowners and renters recover after a federally declared disaster.This loan ...
06/12/2026

The FHA 203(h) program is designed to help homeowners and renters recover after a federally declared disaster.

This loan option allows eligible borrowers to finance the purchase or reconstruction of a primary residence, often with little to no down payment, when their previous home was damaged or destroyed due to a qualifying event. The focus is on restoring housing stability during challenging circumstances.

At Supreme Lending, FHA disaster recovery programs are handled with care and clarity to ensure eligibility, timelines, and documentation requirements are clearly understood. 🤝

This option may be especially important when a home has been impacted by a declared disaster and rebuilding or replacing that home is the next step.

FHA 203(h) 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/LOANS



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...
06/10/2026

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/LOANS



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

Doctor loans are structured with physicians in mind, recognizing the unique path that comes with medical training and pr...
06/05/2026

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/LOANS



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

The FHA Earned Equity Program (EEP) is designed to help buyers qualify for homeownership by recognizing what they’re alr...
06/03/2026

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/LOANS



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

An FHA 203(k) loan is designed for buyers who see potential in a home that needs updates or repairs.Instead of taking ou...
05/29/2026

An FHA 203(k) loan is designed for buyers who see potential in a home that needs updates or repairs.
Instead of taking out separate loans, the 203(k) program allows renovation costs to be rolled into a single FHA mortgage. This can be especially helpful when purchasing a home that doesn’t meet standard FHA condition requirements or when improvements are planned right away. 🏡👷‍♀️

At Supreme Lending, 203(k) loans are approached with careful planning and coordination to ensure the renovation process aligns with loan guidelines and timelines.

This option may be a strong fit when a buyer wants to purchase or refinance a home that needs work and finance the improvements upfront into one loan.

FHA 203(k) 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. Rates, terms, and availability may vary.
https://myoc.io/LOANS



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

Lock & Look is designed for buyers who want more certainty while they search for the right home. 🔐👀This program allows a...
05/27/2026

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/LOANS



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

Supreme Dream is a down payment assistance program created specifically to work with FHA loans, helping buyers manage up...
05/22/2026

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/LOANS



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

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630 N. Buckman Street, Shepherdsville, Ky 40165
Shepherdsville, KY
40165

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