NMLS: 9752
3363 E Presidential Dr. #100
Meridian, Idaho 83642
(208) 908-6855
State Licensing Information: AZ-939018, CA-CA-DBO9752, CO-100528971, FL-LO97659, HI-HI-9752, ID-MLO-3283, KY-MC825556, MN-MLO-9752, MT-9752, NV-61974, OR-9752, TX-9752, WA-MLO-9752, WY-9752
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.
Curtis and his team we're a joy to work with, and despite purchasing a home during the pandemic, the difficulty in obtaining an appraisal due to a shortage of specialists, the team continued to keep me up to date in a very positive, informed way. I purchased via a HECM loan, which Curtis was extremely knowledgeable about and definitely made me a complete believer in the product. This loan will set me financially for the rest of mine and my spouse's lifes'. Thanks Curtis!!
I have high praise for Curtis and his team! They completed my HECM in a highly efficient and professional manner. Thank you!
Many thanks to Curtis and his marvelous staff! This highly professional team made every effort to complete my loan in record time. Not only were they efficient, but their demonstration of respect and concern for me as a client was an added blessing. This is a five-star crew!
Many thanks to you all!
I'm grateful to Curtis and his team for taking such good care of me. Good people, solid professionals. I almost never offer 5 stars but I can this time. Thank you all very much.
Team Curtis and PMR did a great job helping me finance my new home. I highly recommend them to facilitate home mortgages.
Curtis and crew are definitely the best in the reverse mortgage business! Would recommend them to home-buyers or for refinance of existing properties . Call them now for a tidy , productive process!
Thank You so much Mr. Curtis Mangus and staff for your Professionalism and timely managed Morgage. You explained everything in detail, and made sure that we understood what was going to take place and when. If you are ever in need of a Morgage done on your home of any kind, you need to give Premier Morgage a call, you wont be sorry.
Thank you Sandra & Tracey for expediting my loan so To decrease fees charged by my builder. I would recommend premier to others as the whole staff were very professional & diligent.
Curtis and his team were terrific and very professional in helping us attain our dream home in Emmett, ID. I would highly recommend Curtis and his team.
Curtis and his team were such a great help, keeping the mortgage process moving forward. Professional and so nice at the same time. We recommend them.
The team is great.
Curtis, we want to thank you and your excellent staff for the professional, accurate service you always provide for us. This is our 4th transaction your office has handled for us. Our 2nd reverse mortgage you closed in less time expected and more cash in the bank for us. You and your staff make it seem so simple and stress free. Thank you, Ron & Fatima
I would be happy to recommend your service to anyone that is looking or thinking about a refinance or new loan. Your service was very fast and professional. I can’t thank you enough for the wonderful service.
We are extremely happy with the help, advice, and efficiency of our loan process. We highly recommend you and your associates.
It was a delightful and smooth experience dealing with Curtis Mangus during our HECM mortgage refinance process. I would highly recommend him to anyone looking to do their home financing.
Curtis and his crew were so easy to work with.
Everything went smoothly and was a pleasure to work with Tracey! She is very professional and fun.
Thank you all!
John Murray
Curtis and his team did a fantastic job of managing our reverse mortgage loan in connection with our purchase of our home in Meridian. He provided good advise andcounsel on the use of a reverse mortgage facility. His team did an excellent job of completing the underwriting in an efficient, painless manner for us.
Curtis and his outstanding team of professionals did a wonderful job in helping us process our refinance loan. Curtis is a great resource for property loan information. His outstanding property financial knowledge and wise counsel helped us in our final decision with our loan. We highly recommend Curtis and his competent staff to anyone seeking an outstanding mortgage company.
Curtis and his staff did a superb job of sharing information, helping meet deadlines and arranging our loan. The appraiser and title company we very professional as well. Competence all around. Thanks.
Curtis and his staff were on top of the processing at all times. It was a smooth transaction.
Well done by the entire Mangus team. Thanks and I will recommend you to friends and family
Curtis's team made my Reverse mortgage as easy and painless as he possibly could have. Very professional and on point though out the entire process! I would recommend him to my own family.
Curtis was a life saver for me….explained my options which allowed me to purchase a home way beyond my expectations. Close was just this week, his team in the office were amazing and everyone was accessible for questions or explanations throughout the complete purchase process. A great thanks to everyone one of you in the office. You have helped me immeasurably. Would highly recommend Curtis and his team at Premier to everyone.
I appreciate being notified by Curtis about refinancing my reverse mortgage. It has made these next years more flexible for me.
Curtis,Sandi, Tanja, and Traci have been more than helpful through the process. I have felt free to call with any questions at anytime.
Thank you so much for all of your help.
great staff, easy procees made better by all employees at Premier. Already made two referrals…
Dennis and his staff helped w a difficult loan which resulted in our dream house. We couldn't be happier!