Adam Schmidt

Loan Officer

(858) 353-2910
[email protected]

NMLS: 488349
2260 Lava Ridge Court Suite 102
Roseville, California 95661
(916) 242-9300

State Licensing Information: CA-CA-DFPI488349, GA-488349, TX-488349, WA-MLO-488349

My Reviews

14 Reviews

  1. Yusuke A.

    Adam was great from start to finish. He was very responsive and timely with his communication and deadlines. I have done 2 loans (refi & new home) with Adam and couldn't be happier with the experience. Since he was so good, I've already recommended him to few of my friends. Thanks again for everything and look forward to working with you again!

    Reply
  2. Kimberly C.

    The listing agent referred us to Adam after our initial lender couldn’t get the file approved by underwriting and we thank our lucky stars she did. We totally thought we were going to lose our dream home, but Adam and his team were able to get us approved, at an even better rate than our Chase loan.

    Reply
  3. Bryan W.

    Adam took incredibly good care of us throughout the entire process and we couldn't be more appreciative for all of his help and insight at every step of the home buying journey. He always made himself available to answer our questions (as first time homebuyers, we had plenty!), provided regular status updates, and went out of his way to get us a lower rate than we had expected. Before working with Adam we spoke to 4-5 other lenders to get a feel for the space. We left each of those conversations feeling underwhelmed but speaking with Adam was the complete opposite. Not only is he very knowledgeable, but he truly cares about helping his clients. We will be recommending Adam to everyone we know for years to come. Thanks again for everything, Adam!

    Reply
  4. Kathy C.

    Adam certainly made our loan process a very smooth one! It was nice working with someone like Adam who responds to all your questions promptly and clearly.

    Reply
  5. Yana

    I worked with Adam on my first home purchase and had a great experience. He made the every step of the process simple and clear to me and communicated any updates and developments on a timely manner. There were no delays, the deal was closed sooner than expected, and I’m very happy about it. Definitely would work with Adam again.

    Reply
  6. Jason

    Buying new construction has some extra layers of complexity and I had A LOT of questions over several months as rates jumped around and as we interacted with the builder. Adam and Matt were very consultative, and detail oriented throughout the process. I was blown away by the level of attention and customer focus from them. Would recommend them to anyone looking for top notch service.

    Reply
  7. Ken O.

    Adam and his team were wonderful! Smooth, easy process with low fees and a great rate. He was able to do exactly what he said he could and work with our needs and our situation. We had a major hiccup towards the end that was no fault of his and he was still able to pull the closing off as scheduled. Highly recommend Adam and The Schmidt Team.

    Reply
  8. Shawn A.

    Adam was great at communicating all steps of the process and our closing costs were much less than expected with a very competitive rate. As a first time homebuyer I thought this process would be much more painful than it was, Adam made this seem very easy and would absolutely work with him again!

    Reply
  9. Zim

    I’d gladly work with Adam and team again for my next properties. He was quick to respond to any questions and requests I had. In a competitive market such as Southern California, having a dependable lender was crucial to our success.

    Reply
  10. Gabriel C.

    Adam is THE go to guy for all things mortgage related. Not only does Adam keep up to date on all the ever changing guidelines, he also takes his to time explain in detail every step of the process. You are in the best hands if you are working with Adam. Do not hesitate to make Adam your preferred lender! Thanks for all you do and thanks for helping my family and friends. Look forward to the next time we need your help!

    Reply
  11. Lucas

    It was a pleasure working with Adam. He delivered on the lowest refinance rate I could find coupled with very competitive lender pricing. He explained things clearly along the way and responded to my one-off questions. The process was very quick and efficient. I highly recommend working with Ada

    Reply
  12. Anthony S.

    The 2021 Real Estate Market was crazy, and that's not flippant -it was truly challenging. Step in Adam Schmidt who came in to make our loan happen, including a rapid revamp as our needs changed. He was personally available, and willing to help you navigate the whole process and put you at ease in an otherwise very stressful period to buy a house. I would 100 percent recommend Adam for making the experience of buying a home simple, tech-driven, and reassuring.

    Thank you, Adam!

    Reply
  13. Holly C.

    Adam was a pleasure to work with. He made sure we were in constant communication with the loan process. He was also helpful in finding ways to save a little extra. I would definitely recommend Adam to anyone refinancing or looking for a new loan.

    Reply
  14. Jonathan T.

    Adam was so great to work with. As first time home buyers Adam was so helpful at giving us so much insight into the pending process. We also bought a home that was for sale by owner he provided additional assistance to help through the real estate process. He was extremely responsive and helped us every step of the way.

    Thanks Adam!

    Reply

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Premier Mortgage Resources, LLC is not affiliated with or an agency of the federal government. The material is not provided by, nor has it been approved by the Department of Housing & Urban Development (HUD), the Federal Housing Administration (FHA), or any Government agency.

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.

This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Any programs shown do not demonstrate all options or pricing structures. Not all customers will qualify. Terms, programs, and underwriting policies are subject to change without notice. Some products or loan amounts may not be available in all states. Other restrictions may apply.

Refinances

By refinancing your existing loan, the total finance charge may be higher over the life of the new loan.

100% Financing Programs

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. You should consult a tax adviser for further information regarding the deductibility of interest and charges.

ARM Loans

After the initial fixed-rate period on an Adjustable Rate Mortgage (ARM) loan, your interest rate may increase periodically (annual or semi-annually) according to the market index. If the interest rate resets, your monthly mortgage payment may increase.

Lower Rates

Lower rates typically have higher closing costs in the form of discount points.

About HECM (Reverse Mortgage)

At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer or you must otherwise repay the reverse mortgage with interest from your other assets.

We may charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which will be added to the balance of the reverse mortgage loan

The balance of the reverse mortgage loan grows over time and interest is charged on the outstanding loan balance.

You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may be subject to a tax lien or other encumbrance or to possible foreclosure; and

Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan

Reduced Documentation loans (No Doc, No Income/No Asset, Stated Asset, No Ratio)

These products may have higher interest rate, more points or more fees than other products that require more documentation, including income documentation.

Tax Exemption/Deduction

Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.

Opinions

Any opinions expressed within blogs, videos, podcasts, interviews, presentations, or other online content are solely the opinions of the individual/author and do not represent the opinions or policy of Premier Mortgage Resources, LLC.

Texas Complaint-Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT http://WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT tel:18772765550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMNT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT http://WWW.SML.TEXAS.GOV.

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