about me
Hello, I’m Javier Esquerre, Bilingual Loan Officer at Supreme Lending.
Over the years, I’ve had the opportunity to help more than 1,500 families purchase or refinance their homes; each one representing an important milestone and a story I’m proud to be part of.
I work with a wide range of loan programs, including primary residences, investment properties, new construction, condos, manufactured homes, HELOCs, and reverse mortgages. Every client’s situation is different, and I believe the lending process should reflect that. My approach is always tailored, strategic, and built around your goals.
I’m also proud to serve a diverse community, offering bilingual support in English and Spanish and working with clients from all backgrounds, including those navigating non-traditional financing paths such as ITIN loans.
At the core of everything I do is a commitment to clear communication, accessibility, and transparency. My goal is simple: to make the lending process smooth, efficient, and something you feel confident about from start to finish, because homeownership should feel empowering, not overwhelming.
Achievements
- Rapid Closing Specialist: Successfully managed and funded complex mortgage loans in as little as 14 days.
- Multi-State Licensure: Fully licensed and operational across four major markets: Texas, Florida, California, and Oklahoma.
- 7+ Years of Excellence: Dedicated career within a nationally recognized bank, helping hundreds of families achieve homeownership.
Community & Memberships
- Professional Realtor Associations: Active affiliate member and collaborator with local real estate networks like NAHREP
- Youth Sports Advocate: Supporter of local community soccer programs, focusing on teamwork and youth development like PSA
Hobbies
- Lifelong Soccer Enthusiast: A passionate player since childhood; I find that the discipline and strategy of the pitch translate perfectly to the mortgage process.
- Music & Event Production: When I’m not closing loans, I’m a professional DJ, managing branding and high-energy events that bring people together.
- Family Adventures: Spending quality time with my wife and three daughters, whether we are exploring new cities or enjoying a weekend at home.
- Tech Exploration: Enthusiast for emerging tech, from AI-driven content creation to the latest in smart hardware.
Awards
- Client Service Excellence: Recipient of internal awards for maintaining high “human-centric” service standards in a digital industry. After business hours and weekends availability.
- Fast-Track Funding Award: Recognized for efficiency and accuracy in meeting aggressive closing deadlines. I’ve closed deal in 7 days
Why Choose Us as
your Mortgage Lender
Personalized Guidance
Every client’s situation is different, and your mortgage strategy should reflect that. Javier Esquerre takes the time to understand your goals, explain your options clearly, and guide you through each step of the process. Whether you prefer to communicate in English or Spanish, you’ll have a clear understanding of what to expect from start to finish.
Consistent, Reliable Support
From your initial consultation through closing, you’ll have a dedicated point of contact focused on your loan. Questions get answered, updates are shared, and you’re never left wondering what’s happening next.
Access to a Range of Loan Options
Through Supreme Lending, Javier offers access to a wide range of mortgage programs designed to fit different financial situations and homeownership goals. Together, you’ll review options and find a solution that aligns with your needs—not a one-size-fits-all approach.
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.
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Key Features
– Down payments as low as 3% for first-time buyers
– Competitive fixed and adjustable rates
– No upfront government insurance fees
– Option to remove PMI once you reach 20% equity
Eligibility & Guidelines
– Credit score typically 620 or higher
– Debt-to-income ratio up to 45%
– Available for primary residences, second homes, or investment properties
Ideal For
– Borrowers with good credit and stable income
– Homebuyers looking for flexibility and low long-term costs
– Homeowners refinancing for better terms
FHA Loans
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Key Features
– Down payments as low as 3.5%
– Credit scores as low as 580 may qualify
– Competitive fixed rates
– Assumable loans for easier resale
Eligibility & Guidelines
– Must occupy the home as a primary residence
– FHA-approved appraisal and property standards required
– Upfront and monthly mortgage insurance apply
Ideal For
– First-time homebuyers
– Borrowers with limited credit history or smaller savings
– Families looking for affordable entry into homeownership
ITIN Loans
ITIN loans are mortgage options designed for individuals who do not have a Social Security Number but file taxes using an Individual Taxpayer Identification Number (ITIN). These programs help expand access to homeownership for non-U.S. citizens or residents who have established financial stability but fall outside traditional lending criteria.
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Key Features
– Flexible documentation using ITIN instead of a Social Security Number
– Alternative credit options (e.g., rent, utilities, bank statements)
– Available for primary residences with various loan structure options
Eligibility & Guidelines
– Valid ITIN and proof of consistent tax filing (typically 1–2 years)
– Verifiable income and employment history
– Down payment required (often higher than conventional loans)
– Credit history may be traditional or non-traditional
– Property must typically be owner-occupied
Ideal For
– First-Time Homebuyers
– Buyers Without a Credit Score
– DACA Recipients
– Non-Permanent Resident Buyers
– Renters with a Strong Payment History
Read More
Key Features
– Down payments as low as 3% for first-time buyers
– Competitive fixed and adjustable rates
– No upfront government insurance fees
– Option to remove PMI once you reach 20% equity
Eligibility & Guidelines
– Credit score typically 620 or higher
– Debt-to-income ratio up to 45%
– Available for primary residences, second homes, or investment properties
Ideal For
– Borrowers with good credit and stable income
– Homebuyers looking for flexibility and low long-term costs
– Homeowners refinancing for better terms
Read More
Key Features
– Down payments as low as 3.5%
– Credit scores as low as 580 may qualify
– Competitive fixed rates
– Assumable loans for easier resale
Eligibility & Guidelines
– Must occupy the home as a primary residence
– FHA-approved appraisal and property standards required
– Upfront and monthly mortgage insurance apply
Ideal For
– First-time homebuyers
– Borrowers with limited credit history or smaller savings
– Families looking for affordable entry into homeownership
Read More
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.
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Key Features
– Loan amounts exceeding conforming limits
– Competitive interest rates
– Flexible terms and structures
– Options for primary residences, vacation homes, and investment properties
Eligibility & Guidelines
– Strong credit and income required
– Larger down payment often needed (typically 10–20%)
– Appraisal and reserve requirements apply
Ideal For
– Buyers purchasing high-value homes
– Borrowers with complex financial portfolios
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.
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Key Features
– 0% down payment
– No private mortgage insurance (PMI)
– Competitive interest rates
– Flexible credit and debt guidelines
Eligibility & Guidelines
– Must have a valid Certificate of Eligibility (COE)
– Must occupy the home as a primary residence
Ideal For
– Veterans and active-duty service members
– Eligible surviving spouses
– Buyers seeking affordable, no-down-payment options
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.
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Key Features
– Qualification based on property cash flow
– No tax returns or personal income documentation required
– Suitable for short-term or long-term rentals
– 30-year fixed or adjustable terms available
Eligibility & Guidelines
– Minimum DSCR typically 1.0 or higher
– Down payments around 20–25%
– Minimum credit score around 660
Ideal For
– Investors seeking simpler qualification
– Buyers expanding rental portfolios
Read More
Key Features
– Loan amounts exceeding conforming limits
– Competitive interest rates
– Flexible terms and structures
– Options for primary residences, vacation homes, and investment properties
Eligibility & Guidelines
– Strong credit and income required
– Larger down payment often needed (typically 10–20%)
– Appraisal and reserve requirements apply
Ideal For
– Buyers purchasing high-value homes
– Borrowers with complex financial portfolios
Read More
Key Features
– 0% down payment
– No private mortgage insurance (PMI)
– Competitive interest rates
– Flexible credit and debt guidelines
Eligibility & Guidelines
– Must have a valid Certificate of Eligibility (COE)
– Must occupy the home as a primary residence
Ideal For
– Veterans and active-duty service members
– Eligible surviving spouses
– Buyers seeking affordable, no-down-payment options
Read More
Key Features
– Qualification based on property cash flow
– No tax returns or personal income documentation required
– Suitable for short-term or long-term rentals
– 30-year fixed or adjustable terms available
Eligibility & Guidelines
– Minimum DSCR typically 1.0 or higher
– Down payments around 20–25%
– Minimum credit score around 660
Ideal For
– Investors seeking simpler qualification
– Buyers expanding rental portfolios
100% Financing
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Key Features
– Buyers with strong income but limited savings
– First-time homebuyers
– Certain eligible borrowers
Key Benefits:
– No down payment required
– Reduced upfront costs
– Competitive loan terms
Renovation Loans
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Key Features
– One loan, one closing
– Low down payment options
– Finance cosmetic or structural renovations
– Available for FHA (203k) or Conventional (HomeStyle) borrowers
Eligibility & Guidelines
– Minimum credit score typically 620+
– Licensed contractors required for all work
– Home must be primary residence for FHA; flexible for Conventional
Ideal For
– Buyers purchasing homes needing updates
– Current homeowners refinancing to renovate
One Time Close
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Key Features
· One-Time Close Option – Combines your construction and permanent mortgage into one convenient loan with a single closing.
· Two-Time Close Option – Provides separate loans for construction and permanent financing, giving you more control over final terms and rates.
· Interest-Only Payments During Construction – Pay only for the funds drawn during your build.
· Flexible Program Options – Available for FHA, VA, Conventional, and Jumbo loans.
· Local Montana Expertise – Our team understands local markets, builders, and property types throughout Montana.
One-Time Close vs. Two-Time Close
|
Feature
|
One-Time Close
|
Two-Time Close
|
|---|---|---|
|
Closings
|
One combined closing for construction and permanent financing
|
Two separate closings for added flexibility
|
|
Interest Payments
|
Interest-only during construction
|
Interest-only during construction
|
|
Rate Lock
|
Lock your rate before construction begins
|
Choose a new rate when converting to the permanent loan
|
|
Simplicity
|
One approval, one set of closing costs
|
Flexibility to requalify and adjust loan terms
|
|
Ideal For
|
Borrowers seeking convenience and predictability
|
Borrowers wanting flexibility and control
|
Eligibility & Guidelines
· Available for primary residences, second homes, and select investment properties
· Must use a licensed and approved builder (self-builds may require additional review).
· Minimum down payment and credit score requirements vary by loan program.
· Property must meet appraisal and construction standards.
· Construction periods typically last up to 12 months.
Ideal For
· Borrowers planning to build a custom home.
· Homeowners looking for a simple or flexible financing structure.
· Buyers who want to lock in their rate early or customize loan terms after construction.
Why StonePath Mortgage
At StonePath Mortgage, we’re proud to serve communities with the personal touch of a local lender and the resources of a trusted mortgage partner. Our construction lending specialists provide clear communication, hands-on guidance, and dependable support from blueprint to move-in day—so you can focus on building the home you’ve always envisioned.
Next Steps
Contact StonePath Mortgage today to explore your construction loan options. Our team will help you compare One-Time and Two-Time Close programs, explain qualification details, and create a plan tailored to your build.
Read More
Key Features
– Buyers with strong income but limited savings
– First-time homebuyers
– Certain eligible borrowers
Key Benefits:
– No down payment required
– Reduced upfront costs
– Competitive loan terms
Read More
Key Features
– One loan, one closing
– Low down payment options
– Finance cosmetic or structural renovations
– Available for FHA (203k) or Conventional (HomeStyle) borrowers
Eligibility & Guidelines
– Minimum credit score typically 620+
– Licensed contractors required for all work
– Home must be primary residence for FHA; flexible for Conventional
Ideal For
– Buyers purchasing homes needing updates
– Current homeowners refinancing to renovate
Read More
Key Features
· One-Time Close Option – Combines your construction and permanent mortgage into one convenient loan with a single closing.
· Two-Time Close Option – Provides separate loans for construction and permanent financing, giving you more control over final terms and rates.
· Interest-Only Payments During Construction – Pay only for the funds drawn during your build.
· Flexible Program Options – Available for FHA, VA, Conventional, and Jumbo loans.
· Local Montana Expertise – Our team understands local markets, builders, and property types throughout Montana.
One-Time Close vs. Two-Time Close
|
Feature
|
One-Time Close
|
Two-Time Close
|
|---|---|---|
|
Closings
|
One combined closing for construction and permanent financing
|
Two separate closings for added flexibility
|
|
Interest Payments
|
Interest-only during construction
|
Interest-only during construction
|
|
Rate Lock
|
Lock your rate before construction begins
|
Choose a new rate when converting to the permanent loan
|
|
Simplicity
|
One approval, one set of closing costs
|
Flexibility to requalify and adjust loan terms
|
|
Ideal For
|
Borrowers seeking convenience and predictability
|
Borrowers wanting flexibility and control
|
Eligibility & Guidelines
· Available for primary residences, second homes, and select investment properties
· Must use a licensed and approved builder (self-builds may require additional review).
· Minimum down payment and credit score requirements vary by loan program.
· Property must meet appraisal and construction standards.
· Construction periods typically last up to 12 months.
Ideal For
· Borrowers planning to build a custom home.
· Homeowners looking for a simple or flexible financing structure.
· Buyers who want to lock in their rate early or customize loan terms after construction.
Why StonePath Mortgage
At StonePath Mortgage, we’re proud to serve communities with the personal touch of a local lender and the resources of a trusted mortgage partner. Our construction lending specialists provide clear communication, hands-on guidance, and dependable support from blueprint to move-in day—so you can focus on building the home you’ve always envisioned.
Next Steps
Contact StonePath Mortgage today to explore your construction loan options. Our team will help you compare One-Time and Two-Time Close programs, explain qualification details, and create a plan tailored to your build.
REVIEWS
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.
08
Enjoy Your New Home
Closing day is just the beginning. Once the keys are in your hands, it’s time to settle in, make the space your own, and start building memories.
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.
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.
Mortgage Insights
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A Step-by-Step Look at the Mortgage Process with Javier Esquerre
Securing a home loan is one of the most important financial decisions you’ll make. Whether you’re buying, refinancing, or investing, understanding the process brings confidence and clarity to every step. My goal is to simplify that journey and make sure clients feel...
Reverse Mortgages Explained: What Homeowners 62+ Should Know
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get in contact
Let’s start the process of getting you Pre-Qualified
Javier Esquerre
Producing Branch Manager
NMLS #2029194
5050 Quorum Drive, Suite 500
Dallas, TX 75254
Hours of Operation: Open 24 Hours
Javier Esquerre
BIlingual Loan Officer
NMLS #202919
Tel: (469) 453-8642