NMLS: 1415635
5020 Main Street, Suite A
Tacoma, Washington 98407
(206) 853-8778
State Licensing Information: WA MLO-1415635
As the clock strikes midnight on New Year's Eve, many individuals embark on a journey of resolutions and aspirations for the upcoming year. For some, it sparks the decision to become a homeowner. Owning a home entails a multitude of benefits that transcend the...
The commencement of a new year often marks a time for fresh starts and new beginnings. For homeowners looking to sell their property, this is an opportune occasion to showcase their homes in the best light possible. A well-prepared and visually appealing home has the...
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.
PMR is not a course provider and does not provide credits for any CE class.
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.
First off, Amanda was an amazing person to work with from beginning to end. She was excellent at communicating. She worked with us through our already busy lives and was always available when we needed her assistance and advice. She was such a pleasure too work with and I plan on recommending her and her teams services to many family and friends. She made our home buying process such a breeze. Both Justin & I, Thank you Amanda for your excellent services.
Amanda Dunham was our loan officer for our first home purchase. I am so grateful, I cannot thank her enough. I cannot recommend her enough for giving us exceptional service. Amanda is very professional and knowledgeable. She was easy to communicate with. She always answered our questions and all emails, always made sure to communicate with us promptly, even outside of her normal business hours which shows how much she cares for her customers and clients. She reassured us and made sure we were comfortable with every step of the way by keeping us advised, taking time to explain in detail every process and every form we didn’t understand. Amanda and her team always handled everything promptly with the utmost professionalism and dedication. I will always recommend her and her team!
Thank you thank you!!
I have purchased multiple homes with Amanda. She is fantastic and highly knowledgeable. Her team is also a amazing group of people who work very hard to ensure and smooth the purchase. Highly recommend Amanda and her team.
I don't know where we begin. Amanda was so knowledgeable, professional, quick, and very efficient throughout the process. She was able to take out all of our worries and answer everything we had to give. We couldn't have asked for a better person to work with.
Amanda was wonderful to work with and I highly recommend her! From our first conversation, she put me at ease, and her friendly, patient and knowledgeable assistance continued throughout our homebuying journey. Amanda was available whenever we needed her and answered all our questions thoroughly. I am grateful to Amanda for making my first home purchase a very positive experience!
Amanda was a pleasure to work with from start to finish. She made the daunting task of applying for a mortgage and going through the approval process much more manageable. We are so glad that we chose to work with Amanda. She was always available for questions and we appreciated her knowledge and expertise. Buying a home while living and working in another state can be terrifying; but with Amanda's help, we were able to navigate the stressful and sometimes tricky process of being approved for a mortgage. I highly recommend Amanda if you are looking to buy a home in this area! Thank you so much, again!!!
Amanda is a rockstar. From start to finish she is on top of getting things done. Easy to talk to and great at communication. She makes you feel like you’ve known her for years.
My wife and I were working with a loan officer. We started to get a really bad vibe. We called our friend who recommended Amanda. She was absolutely incredible. We were on the brink of our closing date when we switched. Amanda jumped in, ran our numbers, beat the numbers by the mortgage rep we were using, and helped us close the deal. Amanda didn’t stop there … Afterwards, she sent us a beautiful message about how my wife and I came into her life when she needed us the most (she had just lost a close friend). It meant so much to us. If that wasn’t enough, after we moved in, Amanda showed up at our home with her business partner, Heather. They brought us a housewarming basket and dinner. We could not ask for better people to have in our lives.
Amanda Dunham is the best! I have worked with a number of lenders since I am a Realtor in the local Tacoma area. My buyers have been served extremely well and have had success purchasing a home with Amanda, who takes wonderful care of them in the process. I have also used Amanda for my own home refinancing. She gives 100% effort and has a tenacious attitude for serving and advocating for her clients. She is intelligent and is a terrific problem solver. Whenever I work with Amanda, I trust her to get the job done successfully.
We have had the pleasure of working with Amanda and her team for many years. She has a fun personality, has over 2 decades of experience, is extremely knowledgeable and will answer all of your questions – and then some!! All of our experiences have been seamless. We have recommended her to many family and friends who share the same sentiment about her. Thank you Amanda for always having our back!