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Did you know that sometimes zero is greater than one? With Supreme Lending, it's true. If saving for a down payment has been holding you back, Supreme's Down Payment Assistance (DPA) programs can help you buy a home with 0% down on a Conventional loan — even better than putting 1% down.
Compare the cash you need to bring to closing under three common scenarios. The 0% Down Conventional with DPA keeps more of your savings exactly where it belongs — with you. Same Conventional loan. Same neighborhood. Different starting line.Traditional 5% Down: ~$15,000 cash at closing | savings drained
1% Down Programs: ~$3,000 cash at closing | savings reduced
Supreme 0% Down DPA: $0 down | savings intactIllustrative scenarios based on a $300,000 home price. Actual figures vary by program, loan amount, credit profile, and closing-cost structure. Closing costs are separate from the down payment and apply to all scenarios. Subject to credit and program approval.
Full Down Payment Assistance: Get the flexibility you need to achieve your dream of homeownership.
More Buying Power: Use your savings for closing costs, moving expenses, or home upgrades — not lock it up in a wire transfer on closing day.
Trusted Guidance: Work with a Supreme Loan Officer who will guide you through every step, from your first question to your closing handshake.
Most clients move from "is this real?" to pre-qualified in under a week. Here's how:
Step 1: Tell John your situation
Income, credit ballpark, target price range. The form below takes 90 seconds.
Step 2: Review your options
John maps you to the right DPA program and confirms 0% down eligibility.
Step 3: Get pre-qualified
Walk into showings with a real pre-qualification letter sellers will respect.
Step 4: Close on your home
Bring $0 toward your down payment. Keep your savings for what comes next.
Supreme Lending (Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129) was built on the principle of "Serving Others Before Self." As a nationwide mortgage lender licensed across all 50 states, Supreme has helped thousands of families and investors find the right financing for their goals.
John Hambrick, Loan Officer (NMLS #2808786), brings personalized guidance and direct accountability to every file he handles.
Construction loans live and die on communication. When framing is behind schedule, when a draw needs to release on a Friday afternoon, when a buyer gets nervous in month four — you need a loan officer who answers the phone. John Hambrick has built his practice on being that person for builders, Realtors, and the families who trust them.
Is this really a 0% down Conventional loan?
Yes, qualified buyers may be able to purchase with 0% down using a Conventional loan paired with Down Payment Assistance. Program availability, eligibility, and requirements vary by state, loan amount, credit profile, and approval guidelines.
Does 0% down mean I bring no money to closing?
Not always. The 0% down feature applies to the down payment, but closing costs may still apply. John can help estimate your total cash-to-close based on your price range, state, credit profile, and available assistance options.
Who is a good fit for this program?
This may be a strong fit for buyers who have steady income and are ready to purchase, but do not want to drain their savings for a down payment. It can also help buyers keep cash available for moving expenses, repairs, furniture, or emergencies.
Will checking my eligibility affect my credit?
The first step can be a simple conversation or form submission with no credit pull and no commitment. If you decide to move forward, John can explain when a credit review may be needed.
How fast can I find out if I qualify?
Most buyers can start with a quick review of their income, estimated credit score, target price range, location, and timeline. From there, John can help determine whether a 0% down DPA option may fit and what the next step looks like.
Based on your answers, John can put together a personalized plan. Where should he send it?
By submitting this form, you are granting permission to Supreme Lending to contact you by mail, email, phone, or text, even if you are on a corporate, state or national Do Not Call list.
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