See below for programs
to help you buy and sell in today’s market

Tevis Durbin

Producing Branch Manager
NMLS #424899
Cell: 574.210.3332
Branch: 317.744.2570

I will help you achieve your dreams of  Homeownership  with Supreme Lending’s Special Loan Programs


Two Step Program

Buy the House, “Rent” the Rate
Two-Step With Supreme and Don’t Miss a Beat!

  • Step One: Purchase and finance your home with Supreme today.
  • Step Two: Refinance your loan with Supreme later with minimal closing costs* when interest rates decrease.

How It Works:
Refinance your original purchase loan with Supreme at least 9 months after your original closing date, and we’ll cover the following fees of your refinance with a lender paid credit at closing: Application, Processing, Underwriting, Closing, Appraisal, Credit Report, and Tax Services. That’s approximately $2,000 in cost savings when you refinance with Supreme! Purchase with confidence now and easily refinance later without significant cost.

*Two-Step program is only valid for Conventional conforming and government loans. Bond/DPA loans ineligible. Qualifying borrowers will receive a lender credit at closing to pay identified costs and fees

Your dream home could be yours for no money down!
The FHA 100% Financing program provides a 96.5% FHA first mortgage and 3.5% or 5% of the purchase price for down payment assistance in the form of a second mortgage forgivable in 5 years.* No income limits apply.

*Funds provided by the Chenoa Fund. Must meet minimum requirements for Chenoa Fund down
payment assistance and FHA loan program. Down payment includes amount from subordinate
financing, which assumes a second lien.

Supreme Dream

Through our Supreme Dream Down Payment Assistance (DPA) program, the first mortgage would be a 30-year fixed FHA loan, followed by a second fully forgivable loan to be used toward the down payment*, closing costs, and prepaids.

Program Highlights

  •  Minimum Credit Score of 620
  • Fully Forgivable Second Loan
  • No Income Limits
  • Maximum Debt-to-Income (DTI) of 56.99%
  • Manual underwriting option
  • 1-2 unit primary residence

*Down payment includes amount from subordinate financing which is a second lien and is forgiven after 60 on-time payments.


Lock N' List ™

Sellers: Take control to sell you home quickly with With Supreme’s Lock N’ List™ Program!

  • Lock in an interest rate for 90 days and buy down the rate to attract more buyers
  • Ideal for sellers who need to sell their home quickly


  • Added peace of mind knowing that the advertised rate will not change prior to purchase
  • Buyers enjoy a lower monthly payment for the first two yeras of their mortgage as a result of a 2% rate reduction in the first year of their mortgage and 1% reduction the second year
  • No additional cost to the borrower

Worried about interest rates rising while searching for a new home? With Supreme Lending’s Lock, Shop, and Drop program, homebuyers don’t have to be!

How It Works

  • LOCK in the best interest rate available today.
  • SHOP for a home with confidence, knowing the mortgage rate is locked in for 60 days with no upfront fee.
  • Once under contract, should interest rates go down, DROP the mortgage rate
    before closing.

It’s that easy—Lock, Shop, and Drop!

mortgage loan resources

Supreme Lending is a full-service mortgage lender where the customer always comes first. We strive to provide our customers with the best home financing experience possible, building customers for life.


mortgage glossary

A lot of moving parts make up your mortgage experience. We want you to be confident as you move forward, so we’ve compiled this list of common terms associated with home loans.

Adjustable-Rate Mortgage (ARM)

Mortgage in which the rate of interest is adjusted at regular intervals based on a standard rate index. Most ARMs have a cap on how much the rate may increase.


The process through which the mortgage debt is altered, usually declining, as payments are made to the lender. “Negative-amortization” occurs when monthly payments are too small to cover either the principal or interest reductions.

Annual Percentage Rate (APR)

The rate of interest to be paid on a loan projected life; sometimes referred to as the “true” rate of interest.


A professional evaluation of the value of a home or other piece of property. It is often required by the lender.

Balloon Mortgage

A real estate loan in which some portion of the debt will remain unpaid at the end of the term of the loan. A balloon will usually result in a single large payment due when the loan ends.


A limit on how much a mortgage interest rate may increase or decrease for an adjustable-rate mortgage.

Debt-To-Income Ratio

A ratio used by lending institutions to determine whether a person is qualified for a mortgage. Debt-to-income is the total amount of debt, including credit cards and other loans, divided by the total gross monthly income.


Failure to pay the mortgage payments over a specified period of time.

Discount Points

A percentage of the mortgage paid to the lender to lower the interest rate on a loan. One point equals one percent of the mortgage.


The difference between the market value of a house and the amount still owed on the mortgage.


Money and documents deposited in a trust account to be held by one party for another. Often used by brokers to hold deposit money prior to closing. Also used by lenders to hold money for taxes and insurance on a home.

Loan-To-Value Ratio (LTV)

The amount of the loan divided by the purchase price of the house. If a refinance, the loan is divided by appraised value.


A set number of percentage points a lender adds to the index to determine the interest rate for an ARM.

Mortgage Insurance (MI)

Insurance designed to cover the lender should the borrower default on the loan. Depending on the lender, this may be required by the lender.


PITI stands for principal, interest, taxes and insurance – the components of the monthly housing expense. Principal is the portion of the monthly payment that is used to reduce the loan balance. Interest is the fee charged for borrowing money. Taxes refer to the property taxes paid by the homeowner. Insurance refers to homeowner’s insurance, purchased by the borrower and required by the lender, to protect the property against loss from fire and other hazards. Taxes and Insurance that are included in the monthly monthly mortgage payment are held in an Escrow account by the lender who then pays the full amount when they come due.


An interest fee charged by the lender. One point is equal to one percent of the mortgage. The use of points allow the borrower to buy up or down his/her permanent interest rate.

Prepayment Penalty

A fee imposed on a borrower who pays off a mortgage before it is due.


A process by which a potential homebuyer qualifies for a home mortgage before making an offer on a house. A lending institution agrees to make a loan in a specified amount to the person it has pre-qualified.


The amount of the loan.

Second Mortgage

An additional mortgage on a property. It often carries a shorter term and a higher interest rate than the original mortgage.

Title Company

A company that searches for titles and insurance claims. Your loan will close at a title company.

Truth In Lending Act

A federal law that requires lenders to reveal all the terms of the mortgage.

Get In touCh

Contact me to find out how much you can get pre-qualified for or to Schedule  Call.

3 + 10 =

Your Homeownership  journey starts here

I’ll help you every step of the way.

Tevis Durbin | Producing Branch Manager  | Branch Address: 11650 Lantern Rd. Suite 113 Fishers, IN 46038  | NMLS #424899 | GA License #52693

This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. For New York applicants, please visit our New York authorized website: © 2023 EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING NMLS ID #2129 ( ) 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. All rights reserved. Supreme Lending is an Equal Housing Opportunity Lender. This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. Supreme Lending is not affiliated with any government agency. For licensing information, go to: . Supreme Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, as well as any other rights afforded to applicants under state and federal law.