Supra Mortgage

Three questions to ask any mortgage broker before you apply. Full answers here: https://youtu.be/JfYSlN2ckvI

• How many competing wholesale lenders will you submit my file to?

• Do you offer a soft credit pull pre-approval so my credit score stays safe?

• Can you structure specialized loans like bank statement or zero-down programs?

Practical Tip: Working with an independent broker allows you to compare multiple wholesale lending options through a single application, ensuring you receive options tailored to your specific budget!

Comment HOME or LOAN below to check your purchasing options without affecting your credit score!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

3 days ago | [YT] | 0

Supra Mortgage

For veterans and active-duty service members: What is your primary question about using a VA home loan? 🇺🇸

• How to retrieve or verify your Certificate of Eligibility (COE)

• How zero down payment works with no monthly mortgage insurance

• Using VA entitlement for high-balance or second home purchases

• How credit scores and debt-to-income limits apply to VA loans

Practical Tip: VA loans do NOT require monthly private mortgage insurance (PMI), even with zero money down! This single benefit saves military home buyers hundreds of dollars per month compared to FHA or Conventional loans with low down payments.

Watch our complete breakdown of VA mortgage benefits:
https://youtu.be/xuYcOxiqag0

Comment HOME or LOAN below to check your zero-down buying power without a credit score hit!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

1 week ago | [YT] | 0

Supra Mortgage

If you are planning to buy your first home, what part of the homebuying process feels the most challenging? 🏡

• Knowing exactly how much down payment is required

• Understanding credit score and debt-to-income requirements

• Choosing between Conventional, FHA, VA, or USDA loans

• Navigating underwriting and closing costs without surprises

Practical Tip: You do NOT need 20% down to buy a home! Conventional loans offer options starting at 3% down, FHA starts at 3.5%, and eligible buyers can access 0% down options through VA and USDA programs. Getting pre-approved first gives you total clarity before you start shopping.

Watch our complete First-Time Homebuyer's Guide:
https://youtu.be/IVXkNFW0fE8

Comment HOME or LOAN below to check your home buying power without a credit score hit!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

1 week ago | [YT] | 0

Supra Mortgage

When figuring out how much home you can afford, what is the most surprising calculation? 🏡

• Realizing lenders use gross income rather than net take-home pay

• How much a small auto loan or student payment reduces buying power

• Including property taxes, insurance, and HOA dues in the ratio

• Knowing different loan types (Conventional vs FHA) have different DTI limits

Practical Tip: Every $100 per month in existing recurring debt (like a car payment or credit card minimum) can reduce your total home mortgage purchasing power by roughly $15,000 to $20,000 depending on current interest rates! Paying off small balance debts before applying can give your budget a substantial boost.

Watch our complete breakdown of debt-to-income ratios and home affordability here:
https://youtu.be/r8DEglFU6fs

Comment HOME or LOAN below to calculate your true purchasing power without a credit score hit!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

2 weeks ago | [YT] | 0

Supra Mortgage

Did you know that over 70,000 loan officers have left the mortgage business since 2021 as retail bank branches closed across the country? 🏡

• The market became too challenging for single-product retail lenders

• Buyers need brokers with access to hundreds of wholesale lenders, not just one bank shelf

• Complex deals like jumbo custom construction require specialized execution

• Real estate agents and home buyers need originators with a proven track record of closing

Practical Tip: Working with an independent mortgage broker means your loan is never limited to a single company's rate card or rigid underwriting guidelines. Wholesale access gives you hundreds of competing loan options tailored to your specific financial situation!

Watch our full story on how broker independence wins in today's housing market:
https://youtu.be/Gk7B9VR9Lac

Comment HOME or LOAN below to check your home buying options without a credit score hit!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

3 weeks ago | [YT] | 0

Supra Mortgage

When financing a higher-value home that exceeds standard conforming limits, what is your biggest concern? 🏡

• Meeting cash reserve requirements after closing

• Higher credit score thresholds

• Managing debt-to-income ratio limits

• Finding lower down payment options

Practical Tip: Jumbo mortgages do not always require a 20% down payment. Many programs offer lower down payment structures for qualified buyers, provided you have strong credit and verifiable cash reserves!

Watch our complete breakdown of Jumbo mortgage guidelines:
https://youtu.be/6qbXCAVDjEw

Comment HOME or LOAN to evaluate your purchasing power without a credit score hit!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

3 weeks ago | [YT] | 0

Supra Mortgage

Are you looking to tap into your accumulated home equity this year? 🏡

A) Yes, for home renovations and remodeling

B) Yes, to consolidate high-interest credit cards or loans

C) No, I want to leave my equity untouched

D) I want to, but I refuse to give up my low primary mortgage rate

Practical Tip: You do NOT have to refinance your primary mortgage to use your equity! A HELOC or a fixed-rate Home Equity Loan acts as a second mortgage behind your original loan, letting you keep your low rate intact while pulling out the funds you need.

Watch our full guide on choosing between a HELOC and a Home Equity Loan here:
https://youtu.be/OtjaMF_ytH8

Comment HOME or LOAN below to see how much equity you can access without affecting your credit score!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

1 month ago | [YT] | 0

Supra Mortgage

Are you looking to tap into your accumulated home equity this year? 🏡

A) Yes, for home renovations and remodeling

B) Yes, to consolidate high-interest credit cards or loans

C) No, I want to leave my equity untouched

D) I want to, but I refuse to give up my low primary mortgage rate

Practical Tip: You do NOT have to refinance your primary mortgage to use your equity! A HELOC or a fixed-rate Home Equity Loan acts as a second mortgage behind your original loan, letting you keep your low rate intact while pulling out the funds you need.

Watch our full guide on choosing between a HELOC and a Home Equity Loan here:
https://youtu.be/I62EBYlxsY0

Comment HOME or LOAN below to see how much equity you can access without affecting your credit score!

Get your NoTouch Credit Pull pre-approval:
https://supramortgage.com/

1 month ago | [YT] | 0

Supra Mortgage

If you have received a Loan Estimate from a lender, what part of the document feels the most confusing? 📑

A) Distinguishing lender fees from government taxes and escrows

B) Understanding discount points versus interest rate

C) Estimating final prepaid insurance and closing expenses

D) Knowing whether the numbers are genuinely competitive

Practical Tip: When comparing offers from different lenders, always look at Page 2, Section A (Origination Charges). This section shows the actual lender-controlled fees, whereas taxes and prepaid escrows remain the same regardless of which lender you ultimately choose!

https://youtu.be/W5MtfolKhYs

You can run your numbers on our Loan Calculator or analyze an existing document with the Loan Estimate Optimizer at loanestimateoptimizer.com!

Want to see what you qualify for without a hard credit pull? Check out our latest video on dissecting your Loan Estimate, and comment HOME or LOAN below to connect with us!

https://supramortgage.com/

1 month ago | [YT] | 0

Supra Mortgage

If you are planning to buy a home in the near future, what is your biggest question about credit scores? 📊

A) What is the true minimum credit score needed to qualify?

B) How fast can I raise my score by paying down balances?

C) How much difference does a higher score make on my monthly payment?

D) Will checking my credit profile hurt my score?

Practical Tip: Paying your revolving credit card balances below 30%—or ideally under 10%—of your total limit is often the quickest way to see a noticeable improvement in your credit score within a single reporting cycle.

Want to see where your numbers stand without impacting your score? Check out our latest video on boosting your credit, and tap the link below to get your free pre-approval!

https://supramortgage.com/

Duane Buziak, NMLS #1110647 | Coast2Coast Mortgage LLC, NMLS #376205 | Equal Housing Opportunity
Licensed in VA, FL, TN, GA, DC, NC, SC & MD.

1 month ago | [YT] | 0