top of page

SCHMIDT TEAM
VIDEOS

The Schmidt Team offers mortgage services for California consumers. Based in San Diego our branch prides its self on delivering a world-class customer experience, while offering a wide variety of mortgage programs at a competitive interest rate.  

Are you financially ready to afford a home?
08:32

Are you financially ready to afford a home?

1. Do You Know Your Monthly Budget? * Can you comfortably afford a mortgage payment, taxes, insurance, and HOA (if applicable)? **Do You Have Stable, Consistent Income?** * Have you been employed consistently for at least 2 years? * Are you self-employed? You’ll likely need to show 2 years of tax returns. **How’s Your Credit?** * Do you know your credit score? * A higher score means better loan options and lower interest rates. * If you’re unsure, a lender can help you review it and even guide you to improve it if needed. **Do You Have Enough for the Down Payment & Closing Costs?** * Down payments can range from 0–20% depending on the loan program. * Closing costs usually run 2–5% of the home price. * Don’t forget: There are programs that can help with down payment assistance! **Do You Have an Emergency Fund?** * After buying a home, will you still have savings for unexpected expenses (job loss, car repairs, home maintenance)? * A good goal: 3–6 months of living expenses in savings. **Have You Talked to a Mortgage Professional Yet?** * Getting pre-approved helps you understand your buying power. * You’ll also find out what loan programs you qualify for and what your monthly payment could be. **Are You Ready for the Responsibility of Homeownership?** * Owning a home means maintaining it—repairs, yard work, upgrades. * It also builds equity and long-term wealth. Still wondering if you’re ready? Send me a message and I’ll walk you through a personalized affordability assessment. Let’s find out together.
How to combat high interest rates
01:29
The Schmidt Team at Supreme Lending

Tracie Schmidt

Loan Officer

 

NMLS #269424

 

Direct: (858) 336 - 5200

 

tracie.schmidt@supremelending.com

Follow:

  • Yelp - White Circle
  • LinkedIn - White Circle
  • Twitter - White Circle
  • YouTube - White Circle
  • Facebook - White Circle
  • Instagram - White Circle
Address

2550 Fifth Avenue Suite 709 San Diego, CA 92103

 

©2024 Everett Financial, Inc. dba Supreme Lending

State NMLS# 2129

Equal Housing Lender

 This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York.For New York applicants, please visit our New York authorized website: www.supremelendingnewyork.com. ©2022 Everett Financial, Inc. dba Supreme Lending NMLS #2129 ( www.nmlsconsumeraccess.org ) 14801 Quorum Dr., #300, Dallas, TX 75254. 866.674.1296. All rights reserved. Supreme Lending is an Equal Housing Opportunity Lender. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all states. All products are subject to credit and property approval. Supreme Lending is not affiliated with any government agency. For licensing information, go to: www.nmlsconsumeraccess.org.

 

Supreme Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, as well as any other rights afforded to applicants under state and federal law.

bottom of page