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Free Interest Rate

Float Down Guarantee

Our Free Float Down Guarantee?

What’s in your best interest is our number one priority. No matter what phase of your loan transaction with us that you are currently in; if market conditions significantly change causing interest rates to go down, we will float your interest rate down with no additional costs to you.

Example: If Mortgage Rates Improve Significantly after you’ve locked your loan, before your loan closes, we will float your rate down to today’s lowest interest rate free of charge.

This program gives you the peace of mind to go ahead and take advantage of locking in today's lowest rates and eliminate the fear of rates getting lower before closing. Our Free Interest Rate Float Down is available to all of our applicants whether you’re purchasing a home or refinancing your home.

Terms and Conditions

All locked loans are eligible for a free float down under the following terms:

  • New interest rate must be lowered by at least .25% (1/4 of a point) compared to original rate lock.
  • Loan status must be approved with conditions or with final approval and clearance to close.
  • If you are approved with conditions, you must have all requested conditions presented prior to rate float down.
  • Float down must be completed a minimum of 5 business days in advance of scheduled closing to allow time to modify loan documents.
  • The new rate lock agreement should reflect 30 days, or the original expiration date, whichever occurs sooner.
  • Limited to one float down per loan.
  • Available on 30 Year Fixed (Conventional, FHA, and VA) Home Loans only.


*Free Float Down Guarantee Disclaimer: Borrower is eligible to receive one free rate float down under the following conditions: 1) The borrower must have a fully completed application on file and all documents required for underwriting must be submitted to the American Dream Team Branch of Supreme Lending. 2) The borrower’s loan status must be fully approved with clearance to close. 3) The interest rate must have improved at least .25% from the original rate at the time of the executed lock agreement. Upon satisfaction of all conditions the American Dream Team Branch of Supreme Lending will float down the interest rate to the available market rate. The loan must close before the rate lock expiration. Float down request must be received and completed a minimum of 5 business days in advance of the scheduled closing date to allow time for modification of loan documents and approval from underwriting. Offer excludes USDA, Brokered, Jumbo, and Down Payment Assistance loan programs. Products and services may not be available in all states and are not available in states in which Supreme Lending is not licensed. Offer available only through the American Dream Team Branch of Supreme Lending. Terms are subject to change at any time. Please consult with a Supreme Lending America Dream Team loan officer for additional details.


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Licensing Disclosure

Everett Financial, INC. D/B/A SUPREME LENDING NMLS ID #2129 ( 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. Copyright © 2024. Not an offer or agreement. Information, rates, & programs are subject to change without prior notice. Not available in all states. Subject to credit & property approval. Not affiliated with any government agency. Supreme Lending is required to disclose the following license information: AZ Mortgage Banker License 0925918. Licensed by the Department of Financial Protection and Innovation under the CA Residential Mortgage Lending Act License 4130655. CO Mortgage Company – Regulated by the Division of Real Estate. Delaware Lender License 10885. GA Mortgage Lender License 22114– Georgia Residential Mortgage Licensee. IL Residential Mortgage License MB.6760323-DBA1– Illinois Residential Mortgage Licensee. MA Mortgage Broker License MC2129. MA Mortgage Lender License MC2129. Licensed by the N.J. Department of Banking and Insurance – New Jersey Residential Mortgage Lender License. Licensed Mortgage Banker-NYS Department of Financial Service. NY Mortgage Banker License B501049. Ohio Mortgage Broker Act Certificate of Registration MB.804158.000. Ohio Mortgage Loan Act Certificate of Registration SM.501888.000. OR Mortgage Lending License ML-4265. Licensed Mortgage Banker by the PA Department of Banking – Pennsylvania Mortgage Lender License 45048. Rhode Island Licensed Lender 20142998LL.

Contact Us

14801 Quorum Drive Suite 160,
Dallas, TX 75056