Ready to build your dream home?
Whether you are looking to build a traditional stick built home, or something more unique like a custom “barndominium” or tiny container home, our low down payment construction loans can provide a cost effective option to get there in a single transaction.
Sal Zagami
VP of Construction Lending
NMLS #2055042
Branch: 214.340.5225
As a branch manager and the leader of this team, I expect each staff member to bring their best effort every day. I realize that you are trusting us to assist with a marquee moment in your life, and understand the significance of that.
Prior to this career, I was a public servant. My experiences serving both my country and local community have shaped the paradigm from which I approach mortgage lending, and my unique experiences allow me to take a different approach toward problem-solving than others in the industry.
Whether your goal is to build, purchase, or refinance a home, we will forge a path to get you to that objective.
When other lenders have turned down challenging VA mortgages, One Time Close Construction Loans, Investment properties, and other difficult home loans, I have embraced those challenges and made a name for myself as someone who can navigate lending guidelines to solve puzzles other lenders won’t even attempt.
Finding our page was the first step in your journey. Tell me your goal, and our team will stop at nothing to get it done.
Ready to build your dream home?
Our team offers Conventional, FHA, and VA one time close construction loans up to $4 million, so that virtually everyone has an option to obtain land and build their dream home with as little money down as possible.
Whether you are looking to build a traditional stick built home, or something more unique like a custom “barndominium” or tiny container home, our low down payment construction loans can provide a cost effective option to get there in a single transaction.
Why Supreme Lending?
At Supreme Lending, we understand that builders need a lending partner who values efficiency, reliability, and expertise. Our One-Time Close (OTC) loan program is designed to streamline the financing process—helping you break ground faster and close with confidence.
Builder Loan Programs
Veteran? Let’s Build Your Dream Home Together!
Click to see OTC Options
Key Features:
✔ Up to $4 million in financing
✔ $0 down payment
✔ No debt-to-income ratio requirement—qualification based on residual income
✔ Primary residence only
Not a Veteran? We’ve got you covered
with a OTC loan
One-Time Close Construction Loans
Click to see OTC Options
Conventional Loans
✔ As little as 5% down (primary residence)
✔ Eligible for primary, secondary, and investment properties
FHA Loans
✔ Only 3.5% down required
✔ Debt-to-income ratio up to 56%
✔ Designed for first-time and low-to-moderate income buyers
USDA Loans
✔ $0 down payment for eligible rural areas
✔ Income eligibility applies
✔ Great for buyers outside of urban centers
Veteran? Let’s Build Your Dream Home Together!
Click to see OTC Options
Key Features:
✔ Up to $4 million in financing
✔ $0 down payment
✔ No debt-to-income ratio requirement—qualification based on residual income
✔ Primary residence only
Not a Veteran? We’ve got you covered
with a OTC loan
One-Time Close Construction Loans
Click to see OTC Options
Conventional Loans
✔ As little as 5% down (primary residence)
✔ Eligible for primary, secondary, and investment properties
FHA Loans
✔ Only 3.5% down required
✔ Debt-to-income ratio up to 56%
✔ Designed for first-time and low-to-moderate income buyers
USDA Loans
✔ $0 down payment for eligible rural areas
✔ Income eligibility applies
✔ Great for buyers outside of urban centers
Other Loan Programs
Refinance
Refinancing* is when you replace your current mortgage with a new one that may have more favorable terms. Discover how a refinance loan may help you unlock potential savings and reach your goals!
Benefits of Refinancing
✔ Lower Interest Rate.
✔ Reduce Monthly Payments.
✔ Shorter Loan Term.
✔ Switch Loan Type.
✔ Cash Out on Your Equity.
✔ Pay Off Higher-Interest Debts.
✔ Eliminate Private Mortgage Insurance.
renovation
Kitchens and baths. Pools and patios. Roofs and gutters. Attics and basements. Renovation loans canhelp you finance your home remodeling or repair projects
✔ Primary residences and investment properties
✔ Lower credit requirements
✔ Indoor or outdoor improvements
✔ Purchase or refinance options available
Condo
Looking for a condo lifestyle? Our wide range of mortgage programs can help you finance your next home or condominium.
✔ Dedicated team of Condo loan specialists
✔ Unique government loan program options
✔ Purchases or refinances
✔ Flexible and affordable options
Reverse Mortgage
✔ The borrower(s) continue to own the home (the bank does not own it!).
✔ The borrower(s) can never owe more than the home is worth.
✔ There is no prepayment penalty.
✔ The reverse mortgage must be paid back when the home is no longer the borrower(s) primary residence.
FHA
FHA loans are an excellent option for first-time homebuyers and those who may not be looking to make a large down payment.
✔ Lower credit score requirements
✔ Lower down payment of at least 3.5%, in most cases
✔ Fixed-rate and adjustable rate options
✔ Other requirements and conditions apply
usda
The U.S. Department of Agriculture (USDA) is best known for supporting farmers and ranchers. But it also helps people buy homes without putting any money down.
✔ 100% financing available
✔ Lower interest rates
✔ Down payments as low as 0%
✔ Reduced closing costs
✔ Lower credit requirements
✔ Gift funds can be accepted
Jumbo
Jumbo loans can help homebuyers purchase “more house,” such as luxury properties or vacation homes, without tapping into savings.
✔ Designed for more expensive primary, second, or vacation homes
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Specialized programs with lower than 20% down payments
Conventional
Conventional loans are popular as they typically offer favorable terms.
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Down payments as low as 3%
✔ Competitive interest rates
✔ Minimum credit score of 620, in most cases
✔ Other requirements and conditions apply
Refinance
Refinancing* is when you replace your current mortgage with a new one that may have more favorable terms. Discover how a refinance loan may help you unlock potential savings and reach your goals!
Benefits of Refinancing
✔ Lower Interest Rate.
✔ Reduce Monthly Payments.
✔ Shorter Loan Term.
✔ Switch Loan Type.
✔ Cash Out on Your Equity.
✔ Pay Off Higher-Interest Debts.
✔ Eliminate Private Mortgage Insurance.
renovation
Kitchens and baths. Pools and patios. Roofs and gutters. Attics and basements. Renovation loans canhelp you finance your home remodeling or repair projects
✔ Primary residences and investment properties
✔ Lower credit requirements
✔ Indoor or outdoor improvements
✔ Purchase or refinance options available
Condo
Looking for a condo lifestyle? Our wide range of mortgage programs can help you finance your next home or condominium.
✔ Dedicated team of Condo loan specialists
✔ Unique government loan program options
✔ Purchases or refinances
✔ Flexible and affordable options
Reverse Mortgage
✔ The borrower(s) continue to own the home (the bank does not own it!).
✔ The borrower(s) can never owe more than the home is worth.
✔ There is no prepayment penalty.
✔ The reverse mortgage must be paid back when the home is no longer the borrower(s) primary residence.
FHA
FHA loans are an excellent option for first-time homebuyers and those who may not be looking to make a large down payment.
✔ Lower credit score requirements
✔ Lower down payment of at least 3.5%, in most cases
✔ Fixed-rate and adjustable rate options
✔ Other requirements and conditions apply
usda
The U.S. Department of Agriculture (USDA) is best known for supporting farmers and ranchers. But it also helps people buy homes without putting any money down.
✔ 100% financing available
✔ Lower interest rates
✔ Down payments as low as 0%
✔ Reduced closing costs
✔ Lower credit requirements
✔ Gift funds can be accepted
Jumbo
Jumbo loans can help homebuyers purchase “more house,” such as luxury properties or vacation homes, without tapping into savings.
✔ Designed for more expensive primary, second, or vacation homes
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Specialized programs with lower than 20% down payments
Conventional
Conventional loans are popular as they typically offer favorable terms.
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Down payments as low as 3%
✔ Competitive interest rates
✔ Minimum credit score of 620, in most cases
✔ Other requirements and conditions apply
Questions? Contact Me
Sal Zagami
VP of Construction Lending
Sal.Zagami@SupremeLending.com
Or use the form to send me a message
