NMLS: 136664
1450 Northwest Blvd., Suite 103
Coeur d'Alene, Idaho 83814
(208) 618-8029
State Licensing Information: ID-MLO-17456, WA-MLO-136664, MT-136664
With over 19 years licensed in the mortgage lending and management industry, I am here to help assist you in closing your primary, investment, second-home, and renovation home loans! I am able to offer several amazing home loan products that many other area lenders/banks/credit unions may not have, including bank-statements programs specifically tailored to the self-employed professionals, as well as zero-down. CDA and the surrounding areas are a great place to settle down, or get into a second home to vacation when you want to escape from the hustle and bustle. With our region known for its great outdoor activities such as hunting, hiking, and of coarse the plentiful lake and river fun, it is truly is a great place to invest a home in.
Feel free to give me a call, text, message, or email anytime and I will answer any questions even if you are not quite ready to make the move, but want to be well-prepared for when the time comes to purchase or refinance. I am available 24/7, weekends and holidays, and will ensure you get the best loan that fits your budget and needs, and will be with you every step of the way. Let me know how I can help!
After a period of sustained mortgage rates that dropped to historic lows, you might be asking yourself about the current state of rising mortgage rates and what you can do about them. Some factors are simply out of the consumer’s control when it comes to fluctuations...
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...
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.
Very wonderful experience, David was very professional and friendly as was his staff.
Quick and easy and hassle free.
Had a great experience with the entire team. In particular, Ashlynn was very helpful and patient with my questions…:) Hopefully, I will be using them again in the near future.
David and Tammy did a great job. They were a pleasure to work with. Because I am self-employed the loan was not an easy one but they got it done!
Having worked with Tammy before, I knew I was in good hands. All my questions were always answered promptly. Will always recommend Premier for mortgage needs.
Working with David made the loan process simple. He was very patient in explaining terms and the process. He was also very responsive. Being a first time home buyer I was provided a peace of mind. The only thing I would change would be to ask for the best type of loan availabe. Strongly advise going through David first. Thank you
Great working with David and Tammy. Both were professional, prompt and delivered as promised. Would definitely recommend and use again.
David was extremely helpful in my loan process. Moving from north dakota to Spokane Valley, I wasn't sure where or who to start with. A friend referred me to David, who showed interest in helping me find the best deal on a home. Tammy was also very helpful throughout this process. My situation was a bit unique because I work where I get little to no service and required a lot of extra help, even with a last minute change to the home I wanted. I was able to do everything I needed without stepping into his office.
I was very pleased with my loan application and approval experience with David Bardin and Premier Mortgage Resources. I applied as a co borrower for my son who lives in Coeur d"Alene, Idaho and looked forward to buying his first home in CDA. I live in upstate New York. I agreed to co sign of course, but I worried about how this process would proceed and how complicated it would be. Within minutes of agreeing with my son to be a co borrower, an email popped up from David and the process immediately began via e documents and inviting phone calls with any questions. Mortgage options were discussed and explored to assist my son and I with a correct decision about the type of mortgage best for him. Communication was open, clear, honest, supportive, encouraging and continual throughout the process from application to closing. I appreciate the efforts and commitment of David and Tammy and team members for helping my son buy his first home within the projected time line, that also included circumstances of the Covid 19 Pandemic along with the holidays of Thanksgiving, Christmas and New Year. I highly recommend, without reservation, David Bardin and his team at Premier Mortgage Resources. Thank you so much for such a very pleasant experience.
Big thank you to David and his staff at Premier Mortgage Company for all your exceptional work you put forth in getting us into our first house and going through the process of refinancing. Everyone was so helpful when we had questions and if we weren’t sure of something they were so courteous about finding the answers we needed. It would be a pleasure to tell family and friends about the excellent service we received with David and his staff. Sincerely, Robin and Steve Seher
What can I say but WOW! This team with Dave is top notch and are so efficient in every aspect of the task at hand. They get the job done and do exactly what is right for YOUR situation. I have never felt more taken care of by a loan agency than I have with this guy. Dave you're awesome and your team is magical!
David and his team are outstanding to work with. Over the years, I've worked with a number of companies for mortgage services and David's team at Premier Mortgage are the best. Efficient, responsive, customer oriented, and professional. I highly recommend them.
David was amazing to work with through the process of purchasing a home. He consistently found ways to get the job done, solving problems quickly, efficiently, and professionally. He was extremely responsive and eager to help. Most phone calls were answered immediately or returned within an hour. Thank you for your awesome work!
David and his team are professional, efficient, and accommodating. It was a pleasure working with them!
David made our loan experience unbelievably great! He was quick and to the point and offered explanations and knowledge that eased our minds. We have gone through several mortgage processes over the last 10 or so years and this has by far been the best!!!
Thank you David.
Jake
The whole process was fast and easy from start to finish.
The whole team was extremely helpful and caring. Made our home buying process easier than ever before!
David and his team are amazing. This is the second time we have reached out to him. The team is on top of everything. They get the job done in a timely manner. Always a pleasure to work with him and his team.
Can't help but wonder why everyone else isn't like David and his team. Every time my wife and I contact him. We are blown away at how easy things are. Everyone communicates extremely well and quickly. I love how they all operate, I will refer them every chance I get. Thank you very much for your help and advise.
Always the best from david
David was recommended to us by a trusted local real estate professional. She was right! He was very easy to work with, very knowledgeable, always on top of everything. He made the whole process extremely smooth and stress free. I would highly recommend David to anyone who is in the market for a home or a refinance. His whole team is exceptional!
Doing our loan with David was painless, stress free, and a breeze. If I do another, David will get the first call.
SUPER NICE. ANSWERED ALL MY QUESTIONS WITHIN A DAYS NOTICE, EVEN REPLIED ON THE WEEKENDS. COULDN'T HAVE ASKED FOR A BETTER PERSON TO HELP US THROUGH THE LOAN PROCESS
David and his team are amazing! Fast and efficient communication and a seemless process, made for a great experience. If you need a quick closing look no further! David will get it done! Highly recommended!
Dave did a great job. Thanks so much
Stellar service from a stellar group. David, Amanda and Tammy were so helpful, accommodating, organized and quick! I cannot recommend enough!
David and the Premier Mortgage team are most professional, polite and hard working. One phone call, and met once to copy papers, everything else was done electronically. Was told in 20 minutes what. We could afford, and backed everything old to us. From start to finish we had the keys in less than 30 days. Do not hesitate to give them a call. We would not go any other route. We will sing their praises all day long.
Thank you to David and team for fast, courteous, and painless way to purchase our home!
David's communication was exceptional. Every step, every process, every change was clearly communicated and backed up with an email. There was equal contact between David and my realtor which made the transaction smoother. I additionally appreciated the call backs or text responses after hours when David was not available for questions or conversation. This is business at its best, and exemplifies customer service and attention to detail.