Homebuying isn’t one size fits all, and your mortgage shouldn’t be either. Kimberly Nehiley, senior loan officer at Supreme Lending, joins Host Carol Morgan on the Atlanta Real Estate Forum Radio podcast to discuss nontraditional loan options and creative strategies every Atlanta homebuyer should know.

Buying a home is often the most significant financial decision a person will make, and the process can feel overwhelming. Supreme Lending goes beyond traditional loan origination to help clients evaluate cash flow, debt and long-term financial goals.

Nehiley said, “It’s usually the product that they have the most anxiety about, because you’re dealing with their credit, their income, their money, their hopes and dreams, and their family’s hopes and dreams.”

Supreme Lending also offers Supreme Essentials, which includes Budget Essentials and Credit Essentials, 20- to 30-minute online courses that guide clients on budgeting and credit management. The firm’s in-house credit expert, with more than 30 years of experience at credit bureaus, helps clients raise their scores by an average of 100 points.

Nehiley said, “Maybe you’re at a 650, but getting to 750 changes your interest rate by half a percent. I mean, those can be substantial amounts.”

To make the mortgage process more transparent, Supreme Lending uses an AI-powered tool called the Home Buyer Journey. The technology includes several modules that guide clients through every step of the homebuying process.

Looking for more flexibility in your mortgage? Nehiley shares some of her favorite options that are gaining traction:

“These loans are vehicles to help buyers now—they don’t mean you’re locked in for decades,” said Nehiley. “You can refinance or adjust as your situation changes.”

With numerous loan options and fluctuating rates, Nehiley is passionate about educating clients to reduce confusion and stress. She breaks down costs into manageable steps, showing how small changes in loan amounts, down payments or home prices affect monthly payments.

“For every $10,000 in home price, your monthly payment changes by roughly $60 to $70. That perspective helps buyers make informed decisions and avoid sticker shock.”

Tune into the full episode for deeper insight into innovative mortgage products, creative financing solutions and how buyers can navigate today’s evolving homebuying landscape. Learn more about Supreme Lending at www.supremelending.com.

Supreme Lending is a nationwide mortgage lender that offers a broad array of home financing products, including conventional, FHA, VA, USDA and jumbo loans, as well as refinancing options tailored to individual borrower needs. The company operates in all 50 states and emphasizes a customer‑centric philosophy aimed at building long‑term client relationships through competitive rates, personalized service and efficient loan processing.

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