The right mortgage.
The right guidance.
Whether you are buying your first home, refinancing, or unlocking equity with a reverse mortgage, Mark daly can help, because every situation deserves a personalized solution.
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about me
Mark Daly
Loan Officer | NMLS #317641
2115 S US Highway 1 Suite A
Jupiter FL 33477
Tel: (561) 252-0346
Branch: (561) 745-1200
Email: Mark.Daly@SupremeLending.com
I am a Loan Officer with Supreme Lending with more than 20 years of mortgage lending experience. I help borrowers understand their home financing options and move through the mortgage process with clarity, confidence, and steady guidance.
I specialize in reverse mortgages, helping eligible homeowners explore how their home equity may support their financial goals in retirement. I take the time to explain the details, answer questions, and provide thoughtful guidance so clients and their families can make informed decisions.
Whether I’m working with homebuyers, homeowners, or those considering a reverse mortgage, my goal is to make the lending experience clear, personal, and focused on long-term peace of mind.
loan programs
CONVENTIONAL loans
Ideal for borrowers with good credit and a solid down payment
fha loans
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REFINANCING
REVERSE
VA LOANS
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faqs
Why should you get Pre-Qualified?
Getting pre-qualified for a mortgage is a great first step to kickstart your homebuying journey. Pre-qualification gives you a picture of how much you may afford based on your credit, income, and debt. It helps you determine your budget, understand estimated monthly payments, find the right loan program, strengthen your offer, and save time.
What is the difference between Conventional and FHA loans?
There are many differences between conventional and FHA loans. In this portion we will outline some of the major differences for you.
On FHA loans, the minimum down payment is 3.5%. On a conventional loan, the down payment may be as low as 3% depending on a consumers credit scores. Additionally, the money on a conventional loan must be “seasoned” (60 days in the bank) prior to purchasing the home or be proceeds from the sale of your existing home.
A FHA loan requires an upfront Mortgage Insurance payment (MIP); a Conventional loan does not. Both do require monthly Mortgage Insurance premiums based on the LTV.
The taxes will be the same on either type of loan. A common mistake is that people believe is their taxes will vary depending on the loan they choose. The title company that closes the loan submits the taxes directly to the lender. If you reside in an attorney state, your representation is the one who orders the tax certificate from the appraisal district. Taxes reported to the lender will be included in your monthly loan payment. There is no mark-up or service charge over and above the actual tax amount.
Homeowner’s insurance works the same as taxes. You pay the lender for your policy amount on a monthly basis. The lender will escrow this amount and send it to your insurance company at the end of the year when renewal is due.
Interest rate differences will vary depending on the lender you choose. Most importantly, ALWAYS ask for the lowest rate for the type of loan you are obtaining.
The principal and interest portion of the payment is calculated by configuring the loan amount (MIP rolled into the balance on FHA) and term into an amortization schedule to calculate the payment amount. Ask your Supreme Lending representative for additional information on conventional and FHA loans.
What are closing costs?
Closing costs are paid upfront for necessary expenses associated with purchasing a home. When
applying for a loan, you’ll receive a Loan Estimate outlining these settlement charges for added fees like loan origination, appraisal, credit report, title insurance, document preparation, prepaid interest, and other miscellaneous fees.
Which loan program is suitable for me?
There is no one-loan-fits-all. Supreme Lending offers a wide range of mortgage programs to choose from depending on what may be the most beneficial for your circumstances. Your Loan Officer may present different scenarios to see what aligns with your goals—whether a fixed-rate or adjustable-rate mortgage, or a Conventional loan or government-backed loan, such as FHA, VA, or USDA.
What goes into a monthly mortgage payment?
What documentation may be needed?
When you apply for a home loan, several documents are requested to confirm your ability to make monthly mortgage payments. Here are a few items you will likely will need to submit:
• Income history and employment verification from the past two years, such as tax returns, W-2s, and 1099s (if applicable)
• Asset statements for bank, retirement, and brokerage accounts
• Monthly debt payments, including any outstanding loans and credit cards
• Records of rent payments, divorce, bankruptcy, or foreclosure
Why should you get Pre-Qualified?
Getting pre-qualified for a mortgage is a great first step to kickstart your homebuying journey. Pre-qualification gives you a picture of how much you may afford based on your credit, income, and debt. It helps you determine your budget, understand estimated monthly payments, find the right loan program, strengthen your offer, and save time.
What is the difference between Conventional and FHA loans?
There are many differences between conventional and FHA loans. In this portion we will outline some of the major differences for you.
On FHA loans, the minimum down payment is 3.5%. On a conventional loan, the down payment may be as low as 3% depending on a consumers credit scores. Additionally, the money on a conventional loan must be “seasoned” (60 days in the bank) prior to purchasing the home or be proceeds from the sale of your existing home.
A FHA loan requires an upfront Mortgage Insurance payment (MIP); a Conventional loan does not. Both do require monthly Mortgage Insurance premiums based on the LTV.
The taxes will be the same on either type of loan. A common mistake is that people believe is their taxes will vary depending on the loan they choose. The title company that closes the loan submits the taxes directly to the lender. If you reside in an attorney state, your representation is the one who orders the tax certificate from the appraisal district. Taxes reported to the lender will be included in your monthly loan payment. There is no mark-up or service charge over and above the actual tax amount.
Homeowner’s insurance works the same as taxes. You pay the lender for your policy amount on a monthly basis. The lender will escrow this amount and send it to your insurance company at the end of the year when renewal is due.
Interest rate differences will vary depending on the lender you choose. Most importantly, ALWAYS ask for the lowest rate for the type of loan you are obtaining.
The principal and interest portion of the payment is calculated by configuring the loan amount (MIP rolled into the balance on FHA) and term into an amortization schedule to calculate the payment amount. Ask your Supreme Lending representative for additional information on conventional and FHA loans.
What are closing costs?
Closing costs are paid upfront for necessary expenses associated with purchasing a home. When
applying for a loan, you’ll receive a Loan Estimate outlining these settlement charges for added fees like loan origination, appraisal, credit report, title insurance, document preparation, prepaid interest, and other miscellaneous fees.
Which loan program is suitable for me?
There is no one-loan-fits-all. Supreme Lending offers a wide range of mortgage programs to choose from depending on what may be the most beneficial for your circumstances. Your Loan Officer may present different scenarios to see what aligns with your goals—whether a fixed-rate or adjustable-rate mortgage, or a Conventional loan or government-backed loan, such as FHA, VA, or USDA.
What goes into a monthly mortgage payment?
What documentation may be needed?
When you apply for a home loan, several documents are requested to confirm your ability to make monthly mortgage payments. Here are a few items you will likely will need to submit:
• Income history and employment verification from the past two years, such as tax returns, W-2s, and 1099s (if applicable)
• Asset statements for bank, retirement, and brokerage accounts
• Monthly debt payments, including any outstanding loans and credit cards
• Records of rent payments, divorce, bankruptcy, or foreclosure
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.
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mortgage insights
Buying a Home With a Disability: Mortgage Programs to Know
Most people get told the same handful of things about buying a home. But if you live with a disability, or you love someone who does, the standard story leaves a lot out. It leaves out income that counts when someone said it wouldn't. It leaves out grants you earned...
How to Use Title and Reverse Mortgages: What You Need to Know
When planning for retirement and managing home equity, two terms often come up: title and reverse mortgages. While they may sound technical, both play an important role in helping homeowners—especially older adults—understand their rights and options. What Is a Title?...
How to Apply for a Reverse Mortgage Loan: A Step-by-Step Guide from Supreme Lending
For homeowners aged 62 and older, financial flexibility can make all the difference in retirement. A reverse mortgage —also known as a Home Equity Conversion Mortgage (HECM)—offers a unique solution by converting a portion of your home equity into accessible funds,...
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Let’s start the process of getting you Pre-Qualified
Mark Daly
Loan Officer | NMLS #317641
2115 S US Highway 1 Suite A
Jupiter, FL 33477
Tel: (561) 252-0346
Branch: (561) 745-1200
Business Hours
Monday-Friday: 9AM-5PM
Saturday & Sunday: 10 AM–4 PM