If you are deciding whether to buy or rent a home, there are several signs that can help you make the decision. By looking for these signs, you may be able to determine if it is the right time for you to purchase a house instead of renting one. Here are 5 signs it...
5020 Main Street, Suite A
Tacoma, Washington 98407
State Licensing Information: AZ-1045556, OR-232478, WA-MLO-232478
Premier Mortgage Resources Blog
5 tips for upgrading your home’s porch
Not only will upgrading your porch improve the overall look of your property, but modernizing it may also add value to your home and increase its marketability. Here are five upgrades to consider to your porch. Install Modern Lighting Installing modern lighting on...
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.
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.
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 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.
Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.
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.
Excellent communication thru all steps. Very quickly and easy and Angela was there every step of the way to answer any questions.
Angela was extremely knowledgeable, expedient, and helpful throughout our re-finance process. Would recommend to anyone!
Very clear communication, responsive and efficient. Very pleasant experience!
My pleasure was working with Angela. She's amazing and so helpful, always do the best for clients. Thanks so much for her hard work.
Angela was upbeat, kind, attentive to detail and overall wonderful to work with. She didn’t waste any time in letting us know what was needed to make our refinance happen and I can’t express how much that meant to me! Thank you for a great experience!!
Everything was explained thoroughly, the process was very easy. Angela took great care of us!
Refinanced our house to take advantage of the lower interest rates! When I reached out to Angela Garden about refinancing, she patiently answered all of my questions and guided me through the process like no other! Once we got the ball rolling, she got things done in record speed and we closed way sooner than anticipated! She made the whole experience effortless! If you are needing a home loan or you are considering a refi, go no further than to contact Angela Gardin.
Angela always has a happy positive attitude, is very knowledgeable and informative and responds to emails/phone calls quickly! I loved working with Angela!
Angela was always on top of every step all along the way. There were times where I would think …I should hear from Angela in the next couple of days…then she would call me about 10 minutes later. It was like she knew what I was thinking! Angela is the best! Her level of service goes above and beyond. I have now had the opportunity to work with her twice and she always exceeded my expectations. Thank you, Angela!
Angela is the best mortgage agent I’ve work with. We done ten plus purchases and Refis over the years with three or four against and each one got slower and slower to get things done. Angela and the team made this one go easy. I will recommend her to anyone!!!!!!!!!!!!
Angela was very easy to work with, very friendly and knowledgeable. Would recommend her to friends.
The buying of my home became a very unique situation pretty quickly and Angela did a great job fighting for my corner and did a great job communicating with me through-out the process.
Angela always makes things happen and amazingly fast and painless. She has done all of our home loans and there has never been an issue and if a hiccup comes along she is right on it solving the situation! She closes loans faster than anyone around and has the highest level of integrity. Thanks Angela for always making our dreams a reality!
Angela helped with the refi of my home. She is very attentive, knowledgeable and helpful. It’s obvious she loved her role in helping me with my needs. She was with me during the whole process and not just the first “how can I help you” inquiry. Dare I be so cliche’ and say she was an Angel? Yes, she was!
Working with Angela on my refi was a breeze. She answered all questions and helped alleviate any doubts. She is very attentive with great follow up. She definitely knows her stuff! I highly recommend using her and would do so again, if the need arises.
Angela was so easy to work with on our refi. I would recommend her to all my friends and family. This was the smoothest mortgage we have ever got!