NMLS: 1416327
3363 E Presidential Drive Suite #200
Meridian, Idaho 83642
(208) 629-0606
State Licensing Information: ID-MLO-20248,CA-CA-DBO1416327, AZ-0939026, CO-100511808, FL-1416327, HI-HI-1416327, MO-1416327, MN-MN-MLO-1416327, MT-1416327, NV-57797, OR-1416327, SC-1416327,TX-1416327, WA-MLO-1416327, WY- 5508, UT-11240756
It’s a moment you hope never comes, but if your mortgage loan application is denied, take a deep breath and remember that it’s only a setback. The first step to recovery is understanding what went wrong. You can glean some insights by reviewing the denial letter in...
For many families, buying a home is an investment of a lifetime. It’s also an achievement they’ll never forget. The houses people buy today can very easily be the homes they will enjoy for decades to come. If you’re embarking on this exciting journey toward...
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.
Thank you
wonderful first time visit
Crystal always takes the time to listen and answers all of my questions. She was a complete joy to work with on my home loan. I have used her in multiple transactions. I recommend her for you home loan needs.
Being a first time buyer, needless to say I was concerned. From the moment I spoke with Crystal on the phone for the first time, my concerns were eased. She was not the first loan officer I had reached out to, but it was clear to me that she was the right one. Crystal and her assistant were an absolute joy to work with. My transaction was completed via the phone as I lived out of state, which makes it even more impressive.
Her follow up and continued communication is remarkable as well
Do yourself a favor when in the market, and call Crystal.
I got referred to Crystal from a friend and it was the best thing that could have happened to me! She was so patient, supportive and honest with me. She is the most rad person I have ever worked with in a situation like this. She got me everything I wanted in my refi and more! THANK YOU CRYSTAL!
Crystal is amazing at what she does. My husband and I were thoroughly impressed by her eagerness to assist us and her prompt correspondence. If you are thinking of choosing Premier Mortgage, we would absolutely recommend Crystal as your agent!
Crystal and her team are hands-down the BEST people to work with on a mortgage! We brought Crystal a challenging situation that she was able to find a solution for. Even after our initial approval, challenges continued to present themselves, but Crystal and her team persevered. They met each new challenge quickly with solutions, with grace, and very importantly, with humor. We would not hesitate to refer everyone we know to Crystal and her team. If you're questioning who to contact for a mortgage loan, stop reading this and call Crystal! You won't regret it.
Crystal did a great job helping my first time home buyers get qualified and was on top of everything. She was diligent and professional, following through and making sure the process was smooth. Thank you Crystal! You're amazing.
Crystal was so amazing to work with during our refinance! We received her postcard in the mail and it seemed to be perfect timing. Multiple credit unions were MONTHS out in the process and we were able to apply and complete the refinance process in about 6 weeks. She answered all of our questions about different scenarios and was eternally patient as we worked to make the best decision for our family. We highly recommend Crystal!
We have worked with Crystal multiple times and she has been amazing! Crystal always goes above and beyond.
I was referred to Premier Mortgage and to Crystal Gilbert by a friend. I was in trouble after the passing of my wife and with the help of Crystal she virtually saved my future and I will always be grateful for that. Crystal made the process so easy there was no stress at all. Because of Covid-19 I was never able to meet Crystal in person but I feel like I have always known her and if I ever need any help in future I know That Crystal can help.
After being a home owner for over 30 years doing my refinance with Crystal was one of the most enjoyable and easy experiences EVER! Crystal was always quick to respond to my questions and kept me up to date with the whole loan process. Thank you so much Crystal for the best experience ever!!!
Crystal was so impressively knowledgeable, and made the home buying process a breeze! She is a beautiful communicator and a master at her craft. Crystal is top notch and I feel lucky to have met her!
We just refinanced our home because it was down almost 2% from when we bought. Crystal has been so pleasant, and hard working and is always checking in on us. We have recommended her to our son and his wife for his house purchase in Spokane. Highly recommend Crystal Gilbert.
Crystal and her team were amazing to work with! My husband is self employed and on past home purchases working with other lenders, the process was very long and frustrating. We just purchased a new home and the process was so simple and much quicker working with Crystal. We would highly recommend her and will use her for future purchases. Thank you so much Crystal!
We were referred to Crystal by Bob and Leann Day. The process was simple and quick. We’ve refinanced a few times over the past 35 years and this was by far the easiest and best experience so far. I’d highly recommend Crystal and her team.
We had a whole lot of hoop to jump through, and Crystal led us through them with total competence. She was wonderful throughout the process!
Crystal and her team were awesome to work with, even with the pandemic going on. The process online was simple and easy to operate. Crystal was quick to answer all our questions and quick to close. We will definitely be back at PMR to work with Crystal in the future for our real estate business.
Crystal and her crew were amazing! As a veteran using the interest reduction program, the process went so smooth. I will never use anyone else. Crystal has always been over the top with customer care at any given moment. She is definitely a huge asset at Premier Mortgage.
Crystal and her team were thorough, responsive, and efficient. I've worked with her on a number of occasions and I recommend her without reservation!
Crystal was FANTASTIC!. Just when we thought it was hopeless….crystal had more ideas and options for us. THANK YOU SO MUCH CRYSTAL! We couldn't of done this without you! Your the best!
I wanted to thank you again for working with us on this. I really appreciate that you stayed in touch with me months before we decided to move forward with refinancing in order to purchase our land. It was your willingness to help me with the pros and cons of refinancing just our house, and your honesty, that led me to just go with you when we decided to purchase this land and refi to help purchase that. I am happy to recommend your services to any and all in the future.
Crystal and team are amazing. Fast, Friendly and Professional. My brothers loan went very smoothly from beginning to end. I highly recommend Crystal and her team. We will definitely be going through Premier for all of our housing needs.
Very knowledgeable and very willing to work me to insure I get what I was promised from the start of my application.
Thanks Crystal – it was a pleasure working with you. Thanks so much for not giving up on me. You made the process a pleasure and I am so grateful for all your help.
Crystal helped with the purchase and the refinancing of our home. Crystal and her team were very knowledgeable and quick to respond to questions during both processes. Great Experience!!
Crystal has been a very important part of our recent home purchase. She is so professional and friendly; you just can't do any better. She made the buying experience much less stressful than we expected.
After a joke of a time with another financial Credit Union, Crystal and her team were referred to me and had my re-fi done in less than a month, it was smooth and easy. They were kind and great at answering questions as we went along. I am excited they were recommended to me and would would refer them always!
Crystal and her team do an amazing job! Super responsive 24/7. She made the process of buying my home a breeze. So knowledgeable and a pleasure to work with. I wouldn’t use anyone else. Thanks again!
Crystal and her team were knowledgeable, thorough, well prepared, easy to correspond with, answered all of our questions and extremely timely in responding even after hours.
We highly recommend Crystal and her team to our friends, family and piers.
Easy and great to work with!
Working with Crystal was a breeze from day one. She is snappy at responding, informative and straight to the point. Nobody wants a long, drawn out home buying process. You won’t have that with premier. Their customer service is unmatched!