Cailey Murschel

Loan Officer

(530) 370-2421
[email protected]

NMLS: 1593464

State Licensing Information: CA-CA-DBO1593464, ID-MLO-2081593464, MT-1593464, TN-1593464

My Reviews

7 Reviews

  1. Bruce Bishop

    Cailey made the whole process super fast and easy. I had almost given up on trying to refinance because my old guy took several months and wanted all new financials the first of every month. He also said my other loan wasn't worth doing. He was right about that, not with him.
    Cailey got it done in a matter of a few weeks. I should have switched to her sooner and I will definitely be back.
    Bravo

    Reply
  2. Ernesto Caratachea

    Cailey and her team are awesome!! They made the process for my loan easy and painless. She did a great job explaining everything. She is the best. Will work with her again, and will recommend to friends and family.

    Reply
  3. Gary

    Cailey did an outstanding job communicating and keeping us posted as to the loan progress. Never did I expect things to go so smoothly. Cailey and her team made this the easiest process ever! Thank you and your team for outstanding work. Bravo Zulu!

    Reply
  4. Tony

    Cailey did an amazing job for us. She was always in communication and helped us walk through the process with ease:)

    Reply
  5. Sarah

    Great experience from start to finish! Buying a house can be an intimidating experience but Cailey and her team made everything so easy and simple. We threw them for a couple loops but they were incredibly adaptable and efficient. They really took the time to explain everything. Very grateful for such a positive experience. I highly recommend working with Cailey.

    Reply
  6. K D

    Cailey and her team were awesome!! They were very informative, friendly, and helpful. The team also had great communication. I would highly recommend!

    Reply
  7. Colette York

    Fast approval and always available 24/7. I definitely would recommend this loan company to all of my friends and family.

    Reply

About Me

I love the opportunity to help clients have the dream of home ownership come true! I am grateful to have so many loan products at my disposal so that we can help even the most challenged borrower. As a lover of the outdoors I am honored to call Auburn, CA my home. Family, friends and community mean the most and I work hard to give back!

Premier Mortgage Resources Blog

The Importance of a Mortgage Preapproval

The Importance of a Mortgage Preapproval

When purchasing a home, one important step that homebuyers often overlook or delay is getting preapproved for a mortgage. Mortgage preapproval is a service provided by lenders that offers homebuyers a comprehensive understanding of their borrowing capacity, giving...

Securing a Home Loan: Significance of the Debt-to-Income Ratio

Securing a Home Loan: Significance of the Debt-to-Income Ratio

In mortgage lending, the debt-to-income (DTI) ratio plays a pivotal role in determining an applicant's eligibility for a home loan. This blog aims to explain the DTI ratio and highlight its profound impact on an individual's ability to secure a home loan....

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.

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