GET TO KNOW ME
about me
Hello, I am Trent Reed, Regional Manager at Supreme Lending
With more than 26 years of experience in the mortgage banking industry, I’ve had the opportunity to serve in nearly every level of the business, including Loan Originator, Producing Sales Manager, Business Owner, Vice President, Senior Vice President, Divisional Leader, and Chief Executive Officer.
Throughout my career, I’ve built and led high-performing teams, helped organizations expand across multiple markets, and driven growth through strategic leadership, recruiting, talent development, and strong execution. Those experiences have shaped a leadership philosophy that remains at the center of everything I do: People First.
I believe the best results come from investing in people, building strong relationships, and creating an environment where individuals and teams can grow both professionally and personally. At Supreme Lending, I bring that same approach to helping homebuyers and homeowners navigate the mortgage process with clear communication, knowledgeable guidance, and dependable support.
Whether I’m helping a family explore home financing options, supporting a referral partner, or developing my team, my focus is the same: helping people move forward with confidence and reach their goals.
GET TO KNOW ME
About me
Hello, I am Trent Reed, Regional Manager at Supreme Lending
With more than 26 years of experience in the mortgage banking industry, I’ve had the opportunity to serve in nearly every level of the business, including Loan Originator, Producing Sales Manager, Business Owner, Vice President, Senior Vice President, Divisional Leader, and Chief Executive Officer.
Throughout my career, I’ve built and led high-performing teams, helped organizations expand across multiple markets, and driven growth through strategic leadership, recruiting, talent development, and strong execution. Those experiences have shaped a leadership philosophy that remains at the center of everything I do: People First.
I believe the best results come from investing in people, building strong relationships, and creating an environment where individuals and teams can grow both professionally and personally. At Supreme Lending, I bring that same approach to helping homebuyers and homeowners navigate the mortgage process with clear communication, knowledgeable guidance, and dependable support.
Whether I’m helping a family explore home financing options, supporting a referral partner, or developing my team, my focus is the same: helping people move forward with confidence and reach their goals.
loan options to meet your unique needs
Loan Programs
Conventional Loans
Conventional loans are not backed by the government and are one of the most popular loan options for qualified buyers. They offer flexible terms and can be used for primary residences, second homes, and some investment properties.
FHA Loans
FHA loans are government-backed mortgages designed to make homeownership more accessible, especially for first-time homebuyers. These loans offer lower down payment requirements and more flexible credit guidelines compared to conventional financing.
USDA Loans
Overview
USDA loans offer zero-down financing for homes in eligible rural and suburban areas, helping families enjoy affordable homeownership outside major city limits.
VA Loans
VA loans are designed for veterans, active-duty service members, and eligible surviving spouses. With zero down payment and no monthly mortgage insurance, they’re one of the best paths to homeownership for those who’ve served our country.
Jumbo Loans
When your dream home requires financing beyond conforming loan limits, Jumbo Loans provide the solution. We offer tailored jumbo financing to help you move forward with confidence.
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who prefer to qualify based on rental income instead of personal income. It’s a flexible path for growing your investment portfolio.
100% Financing
100% financing programs allow qualified buyers to purchase a home with no down payment, making homeownership possible without large upfront costs.
Renovation Loans
(FHA 203(k) & HomeStyle) Turn a fixer-upper into your dream home with renovation financing that combines your purchase and improvement costs into one simple loan.
loan options to meet your unique needs
Loan Programs
Conventional Loans
Conventional loans are not backed by the government and are one of the most popular loan options for qualified buyers. They offer flexible terms and can be used for primary residences, second homes, and some investment properties.
FHA Loans
FHA loans are government-backed mortgages designed to make homeownership more accessible, especially for first-time homebuyers. These loans offer lower down payment requirements and more flexible credit guidelines compared to conventional financing.
USDA Loans
Overview
USDA loans offer zero-down financing for homes in eligible rural and suburban areas, helping families enjoy affordable homeownership outside major city limits.
VA Loans
VA loans are designed for veterans, active-duty service members, and eligible surviving spouses. With zero down payment and no monthly mortgage insurance, they’re one of the best paths to homeownership for those who’ve served our country.
Jumbo Loans
When your dream home requires financing beyond conforming loan limits, Jumbo Loans provide the solution. We offer tailored jumbo financing to help you move forward with confidence.
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who prefer to qualify based on rental income instead of personal income. It’s a flexible path for growing your investment portfolio.
100% Financing
100% financing programs allow qualified buyers to purchase a home with no down payment, making homeownership possible without large upfront costs.
Renovation Loans
(FHA 203(k) & HomeStyle) Turn a fixer-upper into your dream home with renovation financing that combines your purchase and improvement costs into one simple loan.
guiding you every step of the way
Mortgage Process
01
Conversation
The first step is crucial and sets the stage for your home buying experience. You and your loan officer will discuss your short and long-term financial goals so we can customize a loan strategy fit for you and your family.
02
Application
The goal of completing an application is to gather as much information possible so your loan officer can determine all the available loan programs available.
03
Pre-Qualification
At this stage, your loan officer will share how many homes you can afford, what your monthly payment will be, and how much money you will need.
04
Documents
This is where we need your help! By submitting your income and asset documentation upfront allows us to fly through the underwriting process.
05
Found a Home
Once you find a home and the seller accepts your offer we'll order an appraisal and begin processing and underwrite your loan.
06
Final Approval
The underwriter reviews the appraisal, and your income/asset documents to verify you meet all the
conditions for final approval.
07
Closing day
Our in-house closing department works with the attorney to assemble the final paperwork. Everything we do leading up to this point ensures a smooth and exciting experience.
mortgage
calculator
Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Supreme Lending is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Supreme Lending does not guarantee any of the information obtained by this calculator.
let's start the process of getting you pre-qualified
Get In Contact
Trent Reed
Regional Manager
NMLS #67509
140 Stoneridge Drive Suite 430, Office 469
Columbia, SC 29210
Tel: 910-470-4065