Adria Reeder-Supreme Lending Settle Team

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

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.

DSCR (Debt Service Coverage Ratio) loans may be a great option for investors who want a more streamlined way to qualify....
05/20/2026

DSCR (Debt Service Coverage Ratio) loans may be a great option for investors who want a more streamlined way to qualify. 📝

Rather than analyzing personal income, DSCR loans look at whether the rental property can support its own payment based on current or market rents. This makes them especially useful for investors who are self-employed, scaling a portfolio, or reinvesting profits.

At Supreme Lending, we work with DSCR programs that offer flexibility across property types and investor strategies, helping buyers focus on smart acquisitions, not paperwork overload.

DSCR isn’t the right fit for every deal, but when the numbers work, it can be a powerful tool for investors. 💰

DSCR 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.

Custom amortization terms give borrowers more control over how their Conventional mortgage is structured. Instead of def...
05/15/2026

Custom amortization terms give borrowers more control over how their Conventional mortgage is structured.

Instead of defaulting to a 30-year loan, some buyers choose shorter terms to pay down principal faster, reduce interest paid over the life of the loan, or align the mortgage with long-term financial plans. The right term depends on cash flow, goals, and overall strategy.

At Supreme Lending, amortization options are reviewed carefully to make sure the loan structure supports both affordability today and financial goals over time. 💰🤝

This option may be a good fit when a borrower wants flexibility in loan length and a mortgage structured around long-term planning.

Loan program eligibility, terms, and conditions apply. 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.

Hobby farm properties offer space, flexibility, and lifestyle benefits that don’t always fit neatly into traditional len...
05/13/2026

Hobby farm properties offer space, flexibility, and lifestyle benefits that don’t always fit neatly into traditional lending categories. 📝

While these homes may include acreage, barns, or light agricultural use, they’re often still considered residential when the primary purpose is personal use, rather than income production. That distinction matters when it comes to financing.

At Supreme Lending, we look closely at how the property is used to determine the best loan structure, rather than ruling it out based solely on acreage.

This type of financing may be a good fit when a home offers more land or features than a standard residential property but isn’t intended as a working farm. 🧑🏼‍🌾🏡

Loan program eligibility, terms, and conditions apply. 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.

Supreme 100 is designed for buyers who want a Conventional loan option without the challenge of saving for a large down ...
05/08/2026

Supreme 100 is designed for buyers who want a Conventional loan option without the challenge of saving for a large down payment. 💰

This program may provide 100% financing for eligible homebuyers in select states, allowing qualified buyers to move forward without a minimum cash investment. It’s structured as a fixed-rate Conventional loan and can be used by both first-time and repeat buyers purchasing a primary residence.

At Supreme Lending, programs like Supreme 100 are evaluated carefully to ensure they support long-term affordability, not just getting to the closing table.

This option may be especially helpful when down payment savings are the main obstacle to buying a home. 💯

Supreme 100 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.

A Fixed Home Equity Loan is a closed-end second mortgage designed for homeowners who want to put their equity to work wi...
05/06/2026

A Fixed Home Equity Loan is a closed-end second mortgage designed for homeowners who want to put their equity to work without taking on payment uncertainty. 💰

This option provides a one-time lump sum with a fixed rate and fixed payment, making it easier to plan for things like debt consolidation, large expenses, or long-term projects. Because the payment doesn’t fluctuate, it offers stability even when interest rates change.

At Supreme Lending, fixed home equity loans are evaluated carefully to ensure the combined loan structure supports long-term affordability.

This option may be a strong fit when a homeowner wants to access equity with predictable payments and no rate variability. 🏡

Home equity 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.

A HELOC (Home Equity Line of Credit) can be a smart tool for homeowners who want flexibility without giving up their cur...
05/01/2026

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/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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