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.

06/12/2026

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/

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

06/05/2026

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/

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

05/29/2026

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/

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

05/25/2026

Today, we pause to honor the heroes who made the ultimate sacrifice for our freedom.

Their courage, service, and sacrifice will never be forgotten.

We remember them. 🇺🇸
https://myoc.io/

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

05/22/2026

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/

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

05/16/2026

Today we recognize the men and women who serve across every branch of our military.

Your commitment, discipline, and sacrifice don’t go unnoticed, and I’m grateful for the role you play in protecting our country every day.

Honored to work with and support military families in any way I can.
https://myoc.io/

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

05/15/2026

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/

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

05/11/2026

To all the wonderful moms – your strength and love are the foundations of our homes.

Happy Mother’s Day! 💐
https://myoc.io/

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

05/08/2026

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/

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

05/01/2026

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/

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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