Mortgage Guides
Short answers to the questions people ask before they apply. Each guide includes next steps with Katie Henry at Supreme Lending.
Estimate a comfortable home price using income, debts, down payment, and common debt-to-income guidelines. Then get a personalized review with Katie Henry.
Compare FHA and conventional loans on down payment, mortgage insurance, credit flexibility, and monthly cost. Get help choosing the better fit.
Learn when a VA loan can be $0 down, how the funding fee works, who may be exempt, and what still comes due at closing.
Learn how to calculate refinance break-even, compare rate-and-term vs cash-out, and decide if refinancing is worth the closing costs.
See typical credit score ranges for FHA, VA, conventional, and jumbo loans, and what else lenders review besides the number.
Learn how Florida down payment and closing-cost assistance programs generally work, who they help, and how to pair them with FHA or conventional loans.
Compare a cash-out refinance and a HELOC for accessing home equity, including rate structure, closing costs, and when each option fits.
See what tax returns, bank statements, and income calculations self-employed borrowers usually need for a mortgage, and how to prepare before you apply.
See a realistic mortgage timeline from pre-qualification to closing, what causes delays, and how to keep a purchase or refinance on track.
A practical list of income, asset, credit, and property documents most mortgage applications need, so you can start pre-qualification prepared.