Eddee Gallegos

Loan Officer

(208) 420-0273
[email protected]

NMLS: 186671
175 Blue Lakes Blvd. N.
Twin Falls, Idaho 83301
(208) 626-0606

State Licensing Information: ID-MLO-12323

My Reviews

21 Reviews

  1. KWard

    Eddee and her team did a great job during my home buying experience. Eddee is friendly and very outgoing. She made the whole process quick and easy for me. I'm very grateful.

  2. KWard

    I am very thankful for Premier Mortgage! Their staff was extremely helpful and made this process very less stressful. I highly recommend using them! I want to give a big thanks to Eddee for being there 24/7 to answer all of our questions.

  3. KWard

    Eddie and all the people at Premier Mortgage were fabulous to work with. They really made the process easy for me and were able to provide everything I needed. I strongly recommend them.

  4. Louis Lopez

    A very positive and professional loan officer. I will recommend her services to my friends.

    Reply
  5. Teri Wilson

    Eddee is very professional and very personable. She does everything she can do to make home buying/ refinancing easy and painless for her clients! I highly recommend Eddee for your home mortgage needs.

    Reply
  6. Shirley Jacobsen

    Everyone has been so nice. They did everything to help me get through this because I live in Utah. Thank you for all your help!

    Reply
  7. Vanessa

    My service was great! I loved how they had powerpoints in the beginning when I started the home loan process because I was unsure of a lot of things since it was my first time buying a house. Eddee was great and super helpful with everything.

    Reply
  8. Virginia Richardson

    I’ve had Eddee for three different transactions and she’s always done her best for me. She is so friendly and caring and never once gave me a feeling of “Im just your loan officer”!

    Reply
  9. Frank Dehoney

    It was a complicated, drawn out process for no fault of Eddie's. However, she stayed with it and persevered. Finally, she got it done. I admire her patience with othr companies that didn't do their work properly.

    Reply
  10. Frank Dehoney

    Through a difficult process because of others not doing their job properly, Eddee preserved. Time and then time again. Very professional. Willing to listen. It seemed as our refi was very important.

    Reply
  11. David Luper

    Eddee and her team are amazing! Simple, fast and easy! Clear, concise and honest! Seriously, only good things to say about Eddee, her team and the whole experience!

    Reply
  12. Dillon & Joshua Brock

    Eddee and her team made this very easy and hassle free! We are so excited to be able to work with them again. Strongly recommend.

    Reply
  13. Emily Rice

    Eddee is my GO TO lender! She was helped with me my first home purchase, while working at a different lending company. When it came time for me to refinance, I followed her to Premier because she gave me the best experience the first go around! I wouldn’t choose anyone else! She makes everything stress free and works her tail off to get you the best bang for you buck! I HIGHLY recommend Eddee for all of your lending needs!!

    Reply
  14. Thomas Sparks

    Eddee did our first home finance for us when we bought our home here in Twin Falls, ID. When we decided to refinance this same home loan, she was who we contacted first. She did such a good job for us the first time, that we felt comfortable with seeing what she could do this time. We were not disappointed! She makes it as stress free as is possible and never leaves you hanging. Now the underwriters threw us both a curve or two for some reason, but Eddee helped us get through that as well. In my wife's and my opinion, she is the best!

    Reply
  15. Linda Triffet

    Eddie did an awesome job. We did our purchase and financing remotely. She was great at communicating and talked us through every step.

    Reply
  16. Rhonda Suzy Young

    Edee is professional and communicates effectively. It was a pleasure working with her on a recent real estate transaction where I was the listing agent. Thank you We're!

    Reply
  17. Rhonda Suzy Young

    Were is professional and consistently communicates in an effective manner. I recently completed a transaction with her as I represented my client as a listing agent. It was a pleasure working with her throughout this transaction!

    Reply
  18. Ian Elliott

    An absolutely wonderful experience!!! Eddee was incredible to work with. I've heard many horror stories regarding others home buying experiences but ours seemed almost oddly smooth. It was all because of Eddee and her team. It seemed like they were working non stop and communicated so well through the whole process. We would recommend Eddee to anyone and everyone. Thank you to Eddee for such an amazing experience.

    Reply
  19. Karen

    Eddee made the entire process easy. She explained everything and clearly had my best interest in mind when determining the right loan for me.

    Reply
  20. Schiler Stevens

    Eddee is the sweetest, most kind hearted person I've ever met. Her sense of humor is great. Most importantly she takes care of what needs to be done and never puts pressure on you unless she needs to. If your looking to buy a home or refinance… this is your woman. Best loan experience ever! Hands down.

    Reply
  21. George & Gayle Carreiro

    Eddee was very professional as well as knowledgeable about all options regarding our loan. We have used Eddee twice and have not been disappointed either transaction.

    Reply
  22. Megan Brady

    Eddee was extremely personable and helpful. We felt like we were in good hands and were very informed about the whole process because of her. I will definitely be sending anyone who asks about our experience her way!

    Reply
  23. Robin James

    I would definitely recommend Eddie. She got me everything I needed and made things easy for me. Friendly and professional.

    Reply
  24. Jon and Brittany Mickelson

    Eddee is by far the best loan officer we've ever worked with. We had an extremely difficult time closing on a house but Eddee was with us and doing the legwork the entire time. She went above and beyond for us and we would use her and Premier again in a heartbeat!

    Reply

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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