For your convenience, we can schedule an appointment at one of our offices or by telephone whichever is most convenient for YOU!

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1 Dear Client, Thank you for allowing me to provide you with information regarding s mortgage lending programs and services. Please take your time and review the enclosed material. If you have any questions, please feel free to contact me. Making the mortgage process easy for you is my top priority! If you feel comfortable with the Internet, you can complete an online application from the mortgage section of s website (an active link is provided in the in which you received this document). When you complete the online application, be as accurate as possible. Or, you may complete the enclosed Getting Started Information Sheet and return to me. For your convenience, we can schedule an appointment at one of our offices or by telephone whichever is most convenient for YOU! Please note that mortgage interest rates are subject to change at any time and cannot be guaranteed until a completed loan application is received and your loan is locked. Sincerely, FHA Approved Lender - # VA Approved Lender - # Fannie Mae Approved Seller/Servicer - # Everett Financial Inc. dba strives for Federal Trade Commission. is not affiliated with any government agency. All applications are subject to underwriting guidelines and approval. This does not constitute an high cost thresholds Everett Financial, Inc. dba (NMLS ID #2129) at Quorum Dr., #300, Dallas, TX All rights reserved. For all licenses, visit

2 About, one of the most respected Mortgage Bankers, was established in 1999 by Scott Everett. Having an extensive business and mortgage background, Mr. Everett has secured the respect of mortgage professionals and is committed to attracting not only the most professional loan officers but also the most cutting edge loan products. Supreme continues to grow by adding branches, loan officers and support staff throughout the United States as a full service mortgage banker with multi-state licenses. With the expertise of our mortgage professionals, we take pride in offering our customers a wide variety of loan products and a commitment to helping them achieve their dream of homeownership. Our Philosophy of NMLS NC LIC I SC LIC MLO Carmel Executive Park Drive, Suite 105 We have a strong and genuine belief in the building customer for life principal of doing business. It is what fuels our company. Referrals from previous customers and local real estate professionals have always delivered the majority of the Supreme s production. Benefits of Supreme is a mortgage lender/banker. We have built a level of trust with our investors, which translates into Supreme s ability to underwrite, close, and fund loans that investors will buy. For the consumer it means low interest rates and closing costs, with fast turnaround time. All loans are handled by our licensed mortgage originators who personalize the loan process, while providing timely and informed communication with the customer. Supreme Culture The Supreme culture is one where the customer comes first. It is our goal to build customers for life by helping homebuyers achieve their dreams. Our customers will always be treated fairly and honestly. This includes offering some of the best rates in the business. Supreme is able to offer competitive rates because it is structured as a banker. We also have strong, lasting relationships with the investors that purchase our loans. We pride ourselves in communicating with our customers throughout the entire home buying process, by educating and informing our customers throughout the entirety of their loan. We do everything in our power to get all loan documents to the title company in advance, so our loans will close on time. This is extremely important in building trust with consumers and referring Realtor partners. Technology Advantage Lower Rates And Fees Through Knowledge And Technology Supreme uses the most advanced technology available to close loans quickly, at a low cost. By combining the use of the Internet along with advanced processing software and automated underwriting systems, we have taken the mystery out of approving and closing a home loan. FHA Approved Lender - # VA Approved Lender - # Fannie Mae Approved Seller/Servicer - # Everett Financial Inc. dba strives for compliance with all applicable state and federal regulations pertaining to mortgage lending, advertising, and marketing including but not limited to all federal regulations set forth in title 12 of the Code of Federal Regulations, and the guidelines promulgated and/or enforced by the U.S. Department of Housing and Urban Development, The Consumer Financial Protection Bureau, and the Federal Trade Commission. is not affiliated with any government agency. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend. Not all applicants will qualify for all loan products offered. All loan programs, terms and interest rates are subject to change without notice. All fees are subject to state and federal high cost thresholds Everett Financial, Inc. dba (NMLS ID #2129) at Quorum Dr., #300, Dallas, TX All rights reserved. For all licenses, visit North Carolina Mortgage Lender License L South Carolina-BFI Mortgage Lender/Servicer License MLS South Carolina-BFI Mortgage Lender/

3 Why work with a Loan Officer? It is EASY to see the Difference! AND Your Loan Officer Your on the and Call me today and work with an experienced and educated Loan Officer NMLS ID #2129 FHA Approved Lender - # VA Approved Lender - # Fannie Mae Approved Seller/Servicer - # Everett Financial Inc. dba strives for compliance with all applicable state and federal regulations pertaining to mortgage lending, advertising, and marketing including but not limited to all federal regulations set forth in title 12 of the Code of Federal Regulations, and the guidelines promulgated and/or enforced by the U.S. Department of Housing and Urban Development, The Consumer Financial Protection Bureau, and the Federal Trade Commission. is not affiliated with any government agency. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend. Not all applicants will qualify for all loan products offered. All loan programs, terms and interest rates are subject to change without notice. All fees are subject to state and federal high cost thresholds Everett Financial, Inc. dba (NMLS ID #2129) at Quorum Dr., #300, Dallas, TX All rights reserved. For all licenses, visit North Carolina Mortgage Lender License L South Carolina-BFI Mortgage Lender/Servicer License MLS South Carolina-BFI Mortgage Lender/

4 Purchase Checklist By providing the following list of information, you can help make sure your loan is processed quickly and easily. You may also be asked to provide additional documentation based on your situation. DOCUMENTS FOR PROCESSING Standard Documents Copy of Purchase Contract. W-2s for the last two years. (All Filers on Returns) Federal tax returns for the last two years (All Pages) Paystub(s) covering the most recent 30-day pay period (All Borrowers) Bank statements and/or other asset statements for the past (2) months (All Pages) Most recent 401k and/or IRA statements (If Applicable All Pages) Appraisal Fee (Collected at time of Application) Additional Documents Self-employed Last 2 years business tax returns & all schedules (to include K1) Veteran (VA Loan) - DD214 LOAN SUMMARY Purchase Details Please indicated the type of purchase you are requesting. Purchase of Primary Residence Purchase of Second Home Purchase of an Investment Property Contacts Real-estate Agent(s) (Name & Phone) Selling Agent Listing Agent For Sale by Owner Name & Phone Please call if you have any questions: FHA Approved Lender - # VA Approved Lender - # Fannie Mae Approved Seller/Servicer - # Everett Financial Inc. dba strives for Federal Trade Commission. is not affiliated with any government agency. All applications are subject to underwriting guidelines and approval. This does not constitute an high cost thresholds Everett Financial, Inc. dba (NMLS ID #2129) at Quorum Dr., #300, Dallas, TX All rights reserved. For all licenses, visit

5 DOs and DON Ts As we begin your mortgage application, we wanted to share a few tips to help make your loan go as smoothly as possible. We ve compiled this list of mortgage DOs and DON Ts while your mortgage is being processed. By following these guidelines, you can help make sure that your loan is processed and closed in a timely manner. DO: Do provide copies of all requested documentation in a timely manner. Do keep your file current with the most recent copies of your pay stubs and bank statements. Do continue to make all payments on credit cards, loans and rental or mortgage accounts as agreed. Do consider the merits of having home inspections conducted as part of your purchase contract. Do obtain a legible and fully executed copy (signed by all parties) of your purchase contract. Do make a copy of your escrow deposit check provided with your contract offer and provide evidence that it has been cashed/deposited by the escrow/closing agent. Do arrange for a homeowner s insurance coverage binder on your home effective on the date of your closing. DON T: Don t apply or take out new credit cards, auto or personal loans during the course of your loan process. Don t make any large unverifiable and un-documentable deposits or withdrawals to your checking or savings accounts. Your Good Faith Estimate (GFE) provided to you will disclose the Required Funds for Closing. Don t allow your deposit accounts to drop below this amount. Don t quit or change employment. Don t take any cash advances on credit cards to pay for your escrow deposit. Don t make a Contract Purchase Offer for an amount higher than your pre-approved amount without first discussing the details with your Mortgage Loan Officer. Call your Mortgage Loan Officer if you have any questions: FHA Approved Lender - # VA Approved Lender - # Fannie Mae Approved Seller/Servicer - # Everett Financial Inc. dba strives for Federal Trade Commission. is not affiliated with any government agency. All applications are subject to underwriting guidelines and approval. This does not constitute an high cost thresholds Everett Financial, Inc. dba (NMLS ID #2129) at Quorum Dr., #300, Dallas, TX All rights reserved. For all licenses, visit