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

(1)

Dear Client,

Thank you for allowing me to provide you with information regarding Supreme Lending’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 Supreme Lending’s website

_{(an active link is provided in the email 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,

Building Customers for Life

NMLS ID #2129

Keith Johnson

Senior Loan Officer

NMLS 504468 | NC LIC I-155312 | SC LIC MLO-504468

704.213.2163 | Cell 704.727.4786 | Direct 704.631.4655 | Fax

Keith.Johnson@SupremeLending.com www.KeithJohnsonOnline.com

Supreme Lending

7300 Carmel Executive Park Drive, Suite 105 Charlotte, NC 28226

FHA Approved Lender - #1722400006. VA Approved Lender - #8815610000. Fannie Mae Approved Seller/Servicer - # 27222-000-0. Everett Financial Inc. dba Supreme Lending 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. Supreme Lending 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. © 2013 Everett Financial, Inc. dba Supreme Lending (NMLS ID #2129) at 14801 Quorum Dr., #300, Dallas, TX 75254. All rights reserved. For all licenses, visit http:// www.nmlsconsumeraccess.org/. North Carolina Mortgage Lender License L-122702. South Carolina-BFI Mortgage Lender/Servicer License MLS-2129. South Carolina-BFI Mortgage Lender/ Servicer License - Other Trade Name #1 MLS-2129 OTN #1.

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Keith Johnson Senior Loan Officer NMLS 504468 NC LIC I-155312 SC LIC MLO-504468 704.213.2163 | Cell 704.727.4786 | Direct 704.631.4655 | Fax

Supreme Lending

7300 Carmel Executive Park Drive, Suite 105

Charlotte, NC 28226

Building Customers for Life

NMLS ID #2129

About Supreme Lending

Supreme Lending, 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 Building Customers for Life

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

Supreme Lending 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 - #1722400006. VA Approved Lender - #8815610000. Fannie Mae Approved Seller/Servicer - # 27222-000-0. Everett Financial Inc. dba Supreme Lending 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. Supreme Lending 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. © 2013 Everett Financial, Inc. dba Supreme Lending (NMLS ID #2129) at 14801 Quorum Dr., #300, Dallas, TX 75254. All rights reserved. For all licenses, visit http://www.nmlsconsumeraccess.org/. North Carolina Mortgage Lender License L-122702. South Carolina-BFI Mortgage Lender/Servicer License MLS-2129. South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #1 MLS-2129 OTN #1.

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AND Supreme Lending Your Loan Officer

Your

on the



and



NMLS ID #2129

Keith Johnson | Senior Loan Officer

704.213.2163 | Cell 704.727.4786 | Direct

704.631.4655 | Fax

Supreme Lending

Call me today and work with an experienced and educated Loan Officer

Why work with a Supreme Lending Loan Officer?

It is EASY to see the Difference!

FHA Approved Lender - #1722400006. VA Approved Lender - #8815610000. Fannie Mae Approved Seller/Servicer - # 27222-000-0. Everett Financial Inc. dba Supreme Lending 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. Supreme Lending 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. © 2013 Everett Financial, Inc. dba Supreme Lending (NMLS ID #2129) at 14801 Quorum Dr., #300, Dallas, TX 75254. All rights reserved. For all licenses, visit http://www.nmlsconsumeraccess.org/. North Carolina Mortgage Lender License L-122702. South Carolina-BFI Mortgage Lender/Servicer License MLS-2129. South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #1 MLS-2129 OTN #1.

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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:

Keith Johnson

Senior Loan Officer

704.213.2163 | Cell 704.727.4786 | Direct 704.631.4655 | Fax

Supreme Lending

Building Customers for Life

Purchase Checklist

NMLS ID #2129

(5)

Call your Mortgage Loan Officer if you have any questions:

Keith Johnson

Senior Loan Officer

704.213.2163 | Cell 704.727.4786 | Direct 704.631.4655 | Fax

Supreme Lending

Building Customers for Life

DOs and DON’Ts

NMLS ID #2129

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

Dear Client,

Thank you for allowing me to provide you with information regarding Supreme Lending’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 Supreme Lending’s website

(an active link is provided in the email 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,

Building Customers for Life

Keith Johnson

Building Customers for Life































Call me today and work with an experienced and educated Loan Officer

Why work with a Supreme Lending Loan Officer?

It is EASY to see the Difference!

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

Additional Documents

LOAN SUMMARY

Purchase Details

Contacts

Please call if you have any questions:

Keith Johnson

Building Customers for Life

Purchase Checklist

Keith Johnson

Building Customers for Life

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.

_{(an active link is provided in the email in which you received}