Denise Grab-First Integrity Team NMLS 738524

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United States
St. Louis, MO
Denise Grab-First Integrity Team NMLS 738524

My job is to be the mortgage expert and provide you with options that fit your needs. With almost 20 years of experience, I would love to help you too! Louis.

Supreme Lending NMLS #2129 I was born and raised in St. I graduated from Rosary High School and received my Bachelor’s degree in Business Administration from Lindenwood University. While at Lindenwood I was on the women’s soccer team. I am married to Keith and have two beautiful children, Luke, and Kylee. I have over a decade of mortgage experience, covering all aspects of the business. I worked a

t First Magnus as a Production Manager, where I trained new account executives and helped loan officers with structuring and pricing different loan scenarios. I then moved on from First Magnus to CitiBank, where I originated mortgage loans for CitiBank employees and high-level executives moving from all over the world for a little over 5 years. After originating at Citi, I then decided to move into training. While working as a trainer, I led several classes, including origination, processing, underwriting and closing. I joined the First Integrity team in July 2013 as an Account Manager. I manage our relationships with our corporate accounts and realtors across the area. I am licensed to originate loans in Missouri, Illinois and Florida. With my experience and overall focus on customer satisfaction, I would sure be a great fit to help walk you through the entire mortgage process and get you moved into your new home! Everett Financial, Inc. dba Supreme Lending NMLS #2129 (www.nmlsconsumeraccess.org). 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. Equal Housing Lender. https://bit.ly/SLDisclaimer. For licensing information go to: www.nmlsconsumeraccess.org.

08/28/2026

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/

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

08/21/2026

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/

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/

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

08/07/2026

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/

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

07/31/2026

HomeReady® and Home Possible® are Conventional loan programs created to help buyers with lower incomes achieve homeownership. 🏡

These programs are designed to support affordability through lower down payment requirements and more flexible guidelines, while still offering the stability of Conventional financing.

They’re often used by buyers whose income falls within program limits and who are looking for a more accessible path to purchasing a home.

At Supreme Lending, these options are reviewed carefully to confirm eligibility and ensure the loan structure supports long-term success. 🤝

This type of financing may be a strong fit when income is limited but homeownership goals are within reach.

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/

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

07/24/2026

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/

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

07/17/2026

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/

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

07/10/2026

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/

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

07/04/2026

Wishing everyone a spectacular Fourth of July! 🇺🇸

Today, we celebrate freedom, family, and all the joys that summer brings.

Here’s to fireworks, good times, and making memories with those we love!

Enjoy every moment! ✨
https://myoc.io/

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

07/03/2026

VA Renovation loans are designed to help eligible veterans and service members improve a home while using their VA loan benefits. 🇺🇸

This program allows renovation costs to be included in the VA loan, eliminating the need for separate financing or large out-of-pocket expenses after closing. It may be used for repairs or improvements that make a home safer, more functional, or better suited to the borrower’s needs.

At Supreme Lending, VA renovation loans are handled with detailed planning to ensure the renovation scope, timelines, and VA guidelines align from the start. 📝

This option may be especially helpful when a home needs updates but VA financing is the preferred path.

VA Renovation 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/

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

Address

1807 Park 270 Drive, Suite. 265
St. Louis, MO
63146

Telephone

+13142209620

Website

https://denisegrab.supremelendinglo.com/

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