NMLS: 155793
3363 E Presidential Drive Suite #200
Meridian, Idaho 83642
(208) 629-0606
State Licensing Information: ID-MLO-11187
I have been in the mortgage industry for several decades. My first love has always been helping First Time Homebuyers achieve their dream of home ownership. There seems to always be a challenge somewhere in the equation and I’m there to help them meet that challenge.
Since moving to Idaho in 1995, I have grown to love this state and the people in it. I have been with Premier Mortgage Resources for over 10 years and they are a progressive, motivated, “think outside the box” company that will work hard to help me get your loan approved and closed. I am only as good as my last closed loan. Call me and let me help you reach your goal of homeownership.
Homebuying can be stressful. After all, it is a huge financial commitment. The fear of making a financial mistake can be overwhelming. Market conditions can create a sense of urgency that adds to the stress. Buyers often face the pressure of rapidly rising prices,...
An accurate assessment of a property's value is very important. It forms the foundation for a multitude of financial and legal decisions. Whether it's buying or selling real estate, securing loans, determining property taxes or making investment choices, a property's...
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.
Carolyn was amazing to work with. She was professional and very clear in her communication. She always kept me updated on the status of the loan. She was always super sweet and stayed on top of things to ensure things were moving along smoothly. I would definitely recommend her.
Ive had the most amazing experience working with Carolyn through the entire loan process! She made it quick and painless from start to finish, her communication skills are impeccable, she’s patient with her clients yet can be your pit bull when needed…to get the job done. I would definitely and highly recommend Carolyn to any of my friends, family and acquaintances confidently and without hesitation! Thank you Carolyn for making it possible to become a proud home owner again!
Sincerely, Archie!
Carolyn was a great help in. She was able to get my sister and I financing for a home. We were renting and they sold the house we were in so it had to happen quick. Carolyn walked us through the process of buying a home quickly and with understanding. She was excellent. We thank her so much and would recommend her service to anyone.
Carolyn was a huge asset to our family's transition here to Boise! She was very professional, genuine and thoughtful through the whole process and I would highly recommend all to work with her!
This was our second time working with Carolyn to finance our home. She was professional quick to respond, and worked really hard to get us a good loan. I would recommend her to anyone out there needing her services.
Carolyn worked closely with us explaining each step of the process. She was always available to answer any of our questions no matter what the problem was. Carolyn has the ability to develop outstanding rapport with her clients and we will recommend her to everyone.
Carolyn Schreiner. And her company made our dream home come true, it would not ha e been possible without her and the hard work she put into making our dream come true. 10/10 will recommend everyone to her along with our realtor Carolyn.Schreiner recommend he was fantastic.
I cannot say enough wonderful things about Carolyn. Carolyn really goes the extra mile to ensure excellent customer service. Carolyn saved me a lot of money by tracking rates. Carolyn is like family.
Carolyn has been great to work with. I highly recommend her. She is knowledgeable and communicates clearly throughout the process. She is professional and responsive.
Carolyn is the best loan officer we have ever worked with. That’s saying a lot as we just bought house number 10 in our lifetime. I highly recommend Carolyn.