NMLS: 207183
1325 NW Flanders
Portland, Oregon 97209
State Licensing Information: NV-53444, CA-DBO207183, ID-MLO-19737, MT-207183, NV-65624, OR-207183, WA-MLO-207183, WY-104073, AZ-1027019
Thank you for visiting my website! I am dedicated to making your home financing experience a pleasant one. I pride myself on exceeding my customer’s expectations at every stage of the process, from a complimentary pre-qualification, to sitting in at closing. As a loan officer with Premier Mortgage Resources, I have access to a variety of loan programs and an experienced support team focused solely on home financing. Our programs include:
To get the process started please give me a call or stop by our office. Thanks again for your interest in refinancing or purchasing your property with me and Premier Mortgage.
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.
I bought my house with Fred's help and later refinanced it with Fred. Both times were complex given my personal situations. Fred was compassionate and tenacious in getting me through all the barriers I faced. I have worked with many loan officers in 30 years and Fred is the best!
I am very impressed with Fred’s knowledge and how creative he is with mortgages. He does a great job.
Fred is awesome! This is our second time working with him and will continue to work with Fred for all our mortgage financing needs. He's always available to talk anytime we need him, messages are returned promptly, we always know what's going on and he's true to his word. We will recommend Fred to all our friends. Thank you Fred 🙂 !!!!
Fred has helped us tremendously, by lowering our interest rates and now contacting us again to lower them even more, and he's local to the area!!! Thanks for the help!!!
Fred is very knowledgeable about the rates and is very helpful thought the whole process no matter what you are doing. Ie new home loan, refi, etc. He will work to ensure you get the best rates possible and have all the information up front. He also goes out of his way to keep you posted if rates drop and you want to consider lowering your rates. We have worked with Fred over the past five years and give him a ! Some companies say they can get you a lower interest rate, but don't tell you you are paying for that lower rate. Fred does not do that. If he can't get you a lower rate he will tell you what the rates are. So glad to work with him. Completely recommend!!!
This is my second time working with Fred. He was on top of everything and I could not believe how quickly the process took to get things going. I strongly recommend using him for your mortgage needs.
My husband and I are first time home buyers. We had such a great experience with Fred and April Swift. Fred worked hard to get us an amazing deal and into our beautiful new home. Highly recommended. April was extremely patient with my impatience lol. She was helpful with all my questions and such a great person to work with. Again highly recommended. Thank you guys so much.
The whole process went very smooth once all paper work was completed wasn’t to sure about Fred and premiere because the first time the ball was dropped but Fred promise thing would be taken care of and he fulfilled his promise everything was excellent thank you very much
Premier Mortgage did a great job. It was my fourth time working with the company! Fred and April are patient and are readily available for questions and concerns.
Thank you for your help and timely manner of helping me refinance!
Beth Martin
Refinancing in my world is never "easy". Fred and April made it "painless."
I truly appreciate the help both provided, the quick replies to questions and April's authentic cheerleading. It helps! I recommend them with no hesitation.
Amazing team ! My loan was not easy I had tried to refinance my house with a few other lenders without success. Fred and April got it done and done quickly I would definitely use them for future transactions!
I have refinanced many times and this was one of the easiest transactions that I have ever completed. From the fir application with Fred and then talking and working with his processor, April Swift, it was painless,. I always knew the status of my loan. Especially being an underwriter for over 40 loans, it was a pleasure working with you, Fred, and April (who know what they are doing. I would highly recommend anyone to call you for for a purchase or refinance of a mortgage. Thank you loads. Much appreciated. Bernie