Brian Giovacchini

Branch Manager

(916) 548-8627
[email protected]

NMLS: 116393
2260 Lava Ridge Court Suite 102
Roseville, California 95661
(916) 242-9300

State Licensing Information: CA-CA-DOC116393, CO-100503327, FL-LO108315, OR-116393, WA-MLO-116393, AZ-0936497, ID-MLO-2080116393, NV-56406, FL-116393, MT-116393, TX- 116393

My Reviews

3 Reviews

  1. Brigida Lopez

    "It was a pleasure to work with Brian and his staff at Choice Finance. Brian and Michelle was responsive to all questions, dependable and reliable in accomplishing the task at hand. I was most impressed with the turnaround and how quickly the settlement date was scheduled." I would definitely recommend using Premier Mortgage Resources!

    Reply
  2. David

    Brian and Michelle have assisted us with multiple purchases and now even refinances of our purchases. They have proven time and again to be a wonderful asset to us in our real estate endeavors! They are concise and professional.

    In this digital age, distance is NOT an issue when working with them. We are in Shasta County and I had my questions answered quickly, documents delivered instantly, and I believe we have closed escrow EARLY every time.
    It is my opinion that if you choose to use any one other than Brian and Michelle, you are doing yourself unnecessary damage!!

    Reply
  3. Rick Marshall

    Brian/Michelle and the entire PMR Team have serviced over 4 loans both new and refinancing over the past 2 years and they have been nothing but AMAZING! Their quick follow-up and follow-through coupled with their consistent communication throughout the process made every loan a seamless stress free process. Thank You from the Marshall Family!!

    Reply

Premier Mortgage Resources Blog

Mistakes new homeowners should avoid at all costs

Mistakes new homeowners should avoid at all costs

The road to homeownership can be bumpy, but the ride is well worth it. As a new homeowner, you’re on cloud nine with your major life achievement and attainment of financial security. Yet, the road as a homeowner can also be filled with speed bumps and other pitfalls....

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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