Sal Zagami – VP of Construction Lending | Mortgage Loan Officer | NMLS #2055042
mortgage loan officer and VP of Construction Lending with extensive experience helping clients navigate the home financing process. Specializing in construction and renovation loans, Sal provides tailored mortgage solutions for homebuyers, builders, and developers. Known for his personalized service, expert guidance, and commitment to excellence, Sal works closely with clients from pre-approval to closing. NMLS #2055042. FHA Loans, VA Loans, One-Time Close VA Loans, Conventional, Jumbo Loans

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Loan Program Options

VA

LOANS

VA LOANS

Supreme Lending is proud to offer VA loans, serving those who have served and sacrificed so much for our nation to achieve their dreams of homeownership. 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
LOANS

CONVENTIONAL LOANS

It all starts with a strong foundation—for your home and for your finances. Our Conventional loans provide solid mortgage options for homebuyers and homeowners looking to refinance. 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

usda

LOANS

USDA LOANS

If you prefer country living, this government-backed mortgage program for properties in eligible rural areas may be the right one for you. 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

Refinance

LOANS

REFINANCE LOANS

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.

Jumbo

LOANS

JUMBO LOANS

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

LOANS

RENOVATION LOANS

Ready to upgrade your home? Whether you’re planning for a top-to-bottom renovation or smaller rehab projects, our loan programs can help your property reach its full potential. Kitchens and baths. Pools and patios. Roofs and gutters. Attics and basements. Renovation loans can help 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
✔   Lower Interest Rate.

OTC Contruction

LOANS

OTC CONSTRUCTION LOANS

A seamless, single-close loan that converts to permanent financing once construction is complete. This financing option is perfect for Custom Builders & Production Builders!

FHA OTC
✔ 3.5% down payment
✔Flexible construction terms: 6-, 9-, 12- months
✔Minimum 580 credit score required
✔Interest-only payments during the construction.

VA OTC
✔ 0% down payment
✔Flexible construction terms: 6-, 9-, 12- months
✔Minimum 580 credit score required
✔ Interest-only payments during the construction.

Conventional OTC
✔5% down payment
✔Flexible construction terms: 6-, 9-, 12- months
✔ Minimum 700 credit score required