NMLS: 214852
330 Tres Pinos Rd. Suite F4
Hollister, California 95023
(831) 635-0480
State Licensing Information: CA-CA-DFPI214852, AZ-1030595
Thank you for visiting my page! My name is Gina Grant and I am a Loan Officer at Premier Mortgage Resources. I am dedicated to serving the needs of homebuyers and homeowners. In my 20 years of dedicated service, I have worked with homebuyers and homeowners to find the right loan to fit their needs. At PMR I have access to all the loan programs my clients need and the features they want.
Your first month in your new home is an exciting time. There is so much potential for your future. While you are busy making your new home "yours," however, there are some key things to keep in mind. Here are six tips for what you should do in your first month in your...
Moving into your first home is an exciting and momentous occasion. It can be a mix of emotions because it marks the start of a new chapter in life, and brings with it countless possibilities that can shape your future. There is no greater feeling than having the keys...
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.
Gina is awesome! Easy to work with and a straight shooter… always has her clients best interests in mind.
Gina Grant is amazing at her job! I was working with a very slim budget and had a few difficult needs. Gina was always available to help me through the process working with my difficult holiday schedule, answering all my questions and putting up with me just showing up at her office with paperwork and asking for her help. She was able to get me the best interest rate possible! She worked seamlessly with my realtor, Charlene King. I know a lot of work went into this sale and funding but I felt like I barely did any of it. I could not have done this without Gina. I highly recommend her!
I would NOT own a home today, if not for the hard work and determination to help me as a first time home buyer! Gina is the best loan officer, she is also a super great person. You can see she actually enjoys helping people with the biggest purchase of their lives. I recommend her to EVERYONE!
We appreciate Gina so very much! She was able to work some magic with our numbers to get us qualified! She is very professional and wonderful to work with. Gina does an excellent job of explaining every step and made us feel very comfortable with the process. We will definitely be working with her next time as well. Thank you Gina!
Gina and her team made our loan process as easy as possible for my wife and I. This was our first home purchase and she was there to answer any questions we had throughout the process. I would recommend Gina anytime and look forward to working with her on future purchases.
Gina has helped us with a few home loans. We have always been happy with her assistance. She is fast, thorough and explains the small details and process very well. Thank you!
We had an amazing experience obtaining a loan through Premier Mortgage Resources with Gina Grant! The expertise and knowledge we were provided during our experience made the transaction smooth and efficient. If you’re like us and are never sure when to take the plunge, we highly recommend Gina. You will not be disappointed. Thank you Gina and Premier Mortgage for helping us to realize our dreams!
Gina went above and beyond to help get us the loan we needed. She did a great job helping us through the process and kept us well informed and up to date with everything going on. I was a pleasure working with her.
Thank you for your professionalism and the speed in which you accomplished tasks.
It was a pleasure working with you.
Gina has worked with my family for close to 10 years. We have closed multiple loans together. We will continue to work with Gina in the future on any of our loan needs. Gina's quickness to respond and closing the loans on time is why we stay with Gina!
Gina has handled my family's home loan business for many years. We trust her completely. Not only is she fast because she is thoroughly knowledgeable about all of her products at all times, she is also friendly and makes the process a little fun too! Financing is one of the most important aspects of buying/selling property and we trust Gina with both. She has also handled several refinance situations for us.
Thank you Gina! You will be our lender forever!
We have used Gina for all of our home loans and refinances over the years. She has follow through and stays on top of all aspects of the loan process from start to finish (she even attended our sign offs). Gina keeps in constant communication and takes the time to explain everything.
She has always put our interests first, researching the best rate/pricing/term for us and meeting whenever/wherever it was convenient for us. These reasons along with her caring attitude, honesty, attention to detail and extensive knowledge are why we would never use anyone else.
I was a first time buyer and refinanced a couple years later. Gina was amazing and so helpful every step of the way. Her knowledge and expertise led to two successful closings. Better rate than I expected and quicker closing. I would definitely recommend to my friends and family.
Gina Grant made my home buying experience awesome. As a first time buyer I was really unsure of what I was doing and how to go about getting a home loan. Gina made the process easy and was very professional and knowledgeable. I could not have had a better experience!
I have purchased several homes with Gina, refinanced with her as well. I also purchased a couple condos. Gina is extremely professional and knowledgeable.
I highly recommend her to all of my friends and family. She has always gotten me the best rate possible. She always guides us through the whole process with ease and is very easy to communicate with. Gina also is very responsive to my phone calls, emails and texts. I can't say enough about her… I highly recommend her.
We worked with Gina for our purchase and refinance of our home, and she was professional, always able to talk, and supported us in every need. I would highly recommend Gina for anyone's purchase or refinance needs.
Gina is excellent at communicating throughout the loan & refinance process. She is genuinely interested in getting her clients the best interest rate possible and is so professional! Gina is so knowledgeable- she concisely explains what each form being signed is for, making all the bank jargon easy to understand. She understands that her clients have busy schedules (work, school, kids etc), so she does her very best to work out a time to meet in person with her clients. My husband and I were pleased with how she handled our loan when we first bought our first (and current) home, and even more pleased with how she handled things when we found it to be time to refinance our home 🙂
Gina is always professional and courteous. She always has a kind word and is always looking out for her clients. She is a pleasure to work with and I would recommend her to anyone.