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
Tel: 502-443-5350
Sal.Zagami@SupremeLending.com
Connect with me on Facebook!
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 a flexible approval process for VA, FHA, and Conventional construction loans 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 Guerrilla?
At Guerrilla powered by 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.
Construction Loan Programs
Veteran? Let’s Build Your Dream Home Together!
Click to see OTC Options
✔ Up to $4 million in financing
✔ $0 down payment
✔ No debt-to-income ratio requirement—qualification based on residual income
✔ Primary residence only
✔ Minimum credit score of 580
Not a Veteran? We’ve got you covered
with a OTC loan
One-Time Close Construction Loans
Click to see OTC Options
✔ As little as 5% down (primary residence)
✔ Eligible for primary, secondary, and investment properties
✔ Minimum credit score of 700
FHA Loans
✔ Only 3.5% down required
✔ Debt-to-income ratio up to 56%
✔ Minimum credit score of 580
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
Purchase
Advantages:
✔ All interest on the mortgage may be tax deductible*
✔ Establishes credit history
✔ Secured investment
✔ Builds equity
✔ Can be used to borrow against
*Supreme Lending is not a licensed CPA or Tax consultant and therefore, cannot determine if your mortgage interest will be eligible as a tax deduction per IRS code. You are advised to contact a tax professional. This in no way implies you are guaranteed a tax credit.
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.
Specialty Loans
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
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
DOCTOR LOAN
Designed for medical professionals with up to 100% financing for eligible borrowers.
✔ No Private Mortgage Insureance (PMI)
✔ Eligible certifications include Physicians (MD, DO), Dentists (DDS, DMD), Medical residents & fellows, VeterinarianS
✔ Primary residences only
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
Reverse
A reverse mortgage* is a way for seniors to turn their home’s equity into cash to meet any financial need. Unlike traditional home equity loans, a reverse mortgage does not require repayment until the home is sold, or the last borrower permanently leaves the home. Borrowers are responsible to cover taxes, insurance, HOA fees, and property maintenance, just like any other 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
VA
VA loans help millions of eligible military Veterans and active-duty personnel purchase or refinance their homes and provide 100% financing.
✔ Lower interest rates and closing costs
✔ No down payment requirement
✔ No private mortgage insurance required
✔ Fixed-rate and adjustable-rate options
✔ Available for first-time and repeat homebuyers
✔ Variety of eligible VA-approved property types
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
Purchase
Advantages:
✔ All interest on the mortgage may be tax deductible*
✔ Establishes credit history
✔ Secured investment
✔ Builds equity
✔ Can be used to borrow against
*Supreme Lending is not a licensed CPA or Tax consultant and therefore, cannot determine if your mortgage interest will be eligible as a tax deduction per IRS code. You are advised to contact a tax professional. This in no way implies you are guaranteed a tax credit.
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.
Specialty Loans
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
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
DOCTOR LOAN
Designed for medical professionals with up to 100% financing for eligible borrowers.
✔ No Private Mortgage Insureance (PMI)
✔ Eligible certifications include Physicians (MD, DO), Dentists (DDS, DMD), Medical residents & fellows, VeterinarianS
✔ Primary residences only
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
Reverse
A reverse mortgage* is a way for seniors to turn their home’s equity into cash to meet any financial need. Unlike traditional home equity loans, a reverse mortgage does not require repayment until the home is sold, or the last borrower permanently leaves the home. Borrowers are responsible to cover taxes, insurance, HOA fees, and property maintenance, just like any other 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
VA
VA loans help millions of eligible military Veterans and active-duty personnel purchase or refinance their homes and provide 100% financing.
✔ Lower interest rates and closing costs
✔ No down payment requirement
✔ No private mortgage insurance required
✔ Fixed-rate and adjustable-rate options
✔ Available for first-time and repeat homebuyers
✔ Variety of eligible VA-approved property types
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
VP of Construction Lending
NMLS #2055042
Tel: 502-443-5350
Sal.Zagami@SupremeLending.com
Connect with me on Facebook!
