NMLS: 1456505
857 Polk Street Suite #100
Twin Falls, Idaho 83301
(208) 969-9078
State Licensing Information: AZ-1456505, CA-1456505, ID-MLO-19042
If you are deciding whether to buy or rent a home, there are several signs that can help you make the decision. By looking for these signs, you may be able to determine if it is the right time for you to purchase a house instead of renting one. Here are 5 signs it...
Not only will upgrading your porch improve the overall look of your property, but modernizing it may also add value to your home and increase its marketability. Here are five upgrades to consider to your porch. Install Modern Lighting Installing modern lighting on...
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.
Jacy is the person you want working for you.
We love working with Jacy! This is our second time choosing her and we will continue to have her help us out in the future! We highly recommend Jacy with Premier Mortgage for any of your mortgage needs.
Loved working with such a kind and helpful individual. Always there for all my questions and everything went smooth as can be.
Loved it super easy i will use jacy again in the future
Jacy was very helpful & explained all the steps involved as I had never purchased a home before. She was patient with my questions, emails and returning telephone calls. I would not hesitate in recommending her & Premier Mortgage.
Jacy was amazing to work with. Always answering questions right away even if it was after hours. Jacy was prompt and very efficient at processing our loan. Definitely recommend using her anytime.
Jacy was super nice and always took the time out of her day to answer all my silly questions. Highly recommend getting her.
Jacy was absolutely amazing during the process of buying our first home! We couldn’t have done it without her. She was there and explained everything the whole process. Buying a home is extremely intimidating and it’s important to have someone like jacy to get you through it and to be there for you! She was quick and always informative. I will always be doing my home loans through Jacy. ❤️
Jacy was awesome to work with. She was attentive to all of our needs and very responsive to our questions. She made the entire process easy to navigate. We will definitely be using Premier Mortgage for any of our future needs! Thank you Jacy !
Jacy Pool was so fantastic! She helped me along the way making sure I am getting everything correct and right for me. I really appreciated her being available all the time when I had any questions, comments, or concerns. Thank you!!!
Jacy was amazing to work with. She was able to solve all the obstacles that came up during our loan process. Definitely recommend Jacy!
Jacy is amazing at what she does! She made the whole loan process easy and stress free! She was always available for any questions I had and explained everything! I will definitely be recommending her to everyone I know!
I had a great time working with Jacy and her team throughout the process of buying my home. They were constantly working on it and had me in my house before I knew it. They were always there for questions and on top of everything I had asked. Would highly recommend them to anybody for buying their dream home!! Awesome job Jacy!!!
Jacy was extremely pleasant to work with and flexible with my work schedule. We mostly communicated via email and e-signing and she made it all very easy. In the few times I spoke with her, she was polite and knowledgeable. All in all, she's very good at her job!
Jacy was excellent to work with she got us pre approved or a loan in less than 24 hours. After we bought a home she kept us well informed all thru the signing process. I would definitely refer her to anyone looking for a loan officer. 5 out 5 in my book
Jacy was excellent to work with she got us pre approved or a loan in less than 24 hours. After we bought a home she kept us well informed all thru the signing process. I would definitely refer her to anyone looking for a loan officer. 5 out 5 in my book
Jacy rocked. We had alot of issues arise. But she pulled every string possible and when I thought we were going to have to settle for less she pulled a combine out of her hat. Open for communication at all times of the day was awesome as well
Jacy was the best loan officer I could have asked for! She was efficient, knowledgeable, and communicative. She went the extra mile answering all of my questions and exploring all of the scenarios. I highly recommend working with Jacy.
She works like a loan funding addict! It doesn't matter the time or place, she is there for you. She will pull all the hares out of all the hats if she needs too. She did EVERTHING she could possibly do to get me my home. It was a long battle. She did great
Jacy is always Awesome! You can always count on Jacy to get things done… and done Right… the First time… and she will always keep you up-to-date every step of the way throughout the transaction process! I have worked with Jacy for the last several years and every transaction has been a success… no matter the challenges… and we've sure had a few of those along the way! 🙂 Keep up the Great job you are doing Jacy! Thanks for everything!
Jacy and her team are simply amazing! They made the loan process so quick and easy… I highly recommend Jacy!
Jacy was Amazing!!! 5 star service She made everything so quick & easy! This was The 2nd time we have used her in a refinance she has quick responses & is very helpful I definitely recommend Jacey pool
Seriously so amazing! Never had a question go unanswered. She makes everything super easy to figure out and she was with me every step of the way with a smile!
We were extremely pleased with Jacy. She was knowledgable with the VA Home Loan process, patient with our numerous questions, and was prompt in all correspondence. Talking with Jacy seemed more like a conversation with a friend than just a business deal. We thoroughly enjoyed working with Jacy and would recommend her competent team to anyone looking for a smooth lending process. Thanks Jacy!
Jacy was awesome when we refinanced our house. She made every step so easy and was always there to answer all my questions. It was also so fast, with all the craziness going on she helped us with hardly any contact face to face. And Even though it is a stressful thing to do, Jacy helps make it less stressful for sure! Thank you Jacy!
My family recently made the move from Southern California to Idaho. Moving to another state with no family is a scary thing. Jacy and her team made the house buying portion perfect! We did not have to worry because they handled everything for us!
Jacy has been my guardian Angel through the WHOLE process of my home purchase; she has never skipped a beat and went above and beyond her duties to steer me clear of bad areas and bad deals in the house hunting process through to the finish line!
I highly recommend her services and gladly stand behind her!!
Jacy is amazing! Jacy was on top of everything throughout my refinance. Jacy worked around my schedule, always answered my calls, and made sure everything was done on time and correctly. I highly recommend Jacy for all your mortgage loan needs!
Jacy made my first time home buying experience amazing! She was so quick and efficient throughout the entire process. She was always able to quickly answer my calls and e-mails and made the process super easy!
Jacy was very helpful. Our loan process had a few hicups but all and all it went well. Although we never met Jacy face to face. Everything was done by email or e-sign.
Megan the receptionist was the only person I met face to face and she is the "sweetest" thing and all ways very professional.
I would and will refer any friends who are looking for a morgage company to Jacy. I can only give 4 stars because no one is perfect, but she is close.
Jacy always goes above and beyond for her customers. She’s truly a pleasure to work with. I have worked with her several times now, she is always professional and informative.
During a very stressful,miscommunicated moment, I had gotten the best help and proper direction from Jacy. She always told my wife and I don’t worry we will get you there..We definitely got there quicker than expected and I highly recommend her!
We absolutely loved working with jacey. This process was long and with all the paperwork involved it can be stressfull. Jacey was always there it was like talking to my best friend everytime I called. She never didn't answer. She and her team made the stress of the process seem easy. There is not another loan officer in the world I would choose over Jacey and her team.
We really enjoyed working with Jacy and the Premier Mortgage team when buying our first home! Jacy was super communicative and talked us through every step of the process. She made herself available with our schedule to go over anything we needed more help with. Her team was equally responsive when we had additional questions throughout the process. Would 10/10 recommend Jacy to handle your home buying lending!
Jacy did my first home loan and took care of my family, so when it came time to refinance she was the obvious choice. Jacy took great care of me, laid my options out. I have a great loan on my home in an ever growing state so for me it’s a win! I truly don’t believe there is a professional that will go as far for you as Jacy did for me!! I’m very grateful for her!
We were super hesitant about refinancing our house, but wanted to take advantage of the current market. A friend recommended Jacy, so we gave her a call. The rest is as they say is history. It took less than 2 weeks from first call to close. Jacy is amazing!! Easiest loan process ever. She kept us informed and updated every step of the way! Highly recommended!!
Jacy was amazing! We were first time homebuyers who didn't know a thing about buying a home. She answered all of our questions with no hesitation. She got us the home we loved and we couldn't be happier!! I would definatly recomend her! She won't disappoint!!!
Jacy was amazing! It was rocky in the beginning but she turned out to be an amazing loan officer and l consider her a friend now! There were a thousand hoops to jump through and Jacy caught us on the other side every time! She got us into a home when l didnt think it would happen! We love you Jacy! Thank you!
Jacy was great and so helpful. Would highly recommend her to anyone. She got us into our new home and helped with every step we had. Also responded to every message right away. Thank you for everything ❤
Jacy is by far the best loan officer hands down! We have used her three times and it has always been an amazing experience. She goes above and beyond and we truly appreciate everything she has done.
Please, if you ever need anything contact her because we know she will treat each and every one of you like family.
Jacy was the best. She helped every step of the way, always had answers to all my questions and her response time was always so fast. I would highly recommend her to my closest friends and family. Thanks for everything
The best loan officer. Answers every question and is on it. We couldn't have done it with out her.
Hands down one of the best loan officers I have ever had the pleasure of working with. Goes above and beyond for all of her clients in every situation she is faced with. 10/10 would recommend! 🙂
Jacy made purchasing our home very easy and stress free as possible. She helped us find a loan that worked great and was affordable for us! Would definitely recommend!
The Jacy Pool team at PMR is excellent in client communication, meeting or before timelines and so helpful with guidance for clients questions and concerns every step of the way through closing
Jacy made our home buying process so easy. It was speedy and smooth. She answered all my calls and questions almost immediately and always kept me up to date. Could not recommend anyone better!! Thank you to Jacy and her team!
Jacy is the sweetest and is there for you every step of the way! She answered my every call to answer each silly question I had. She made me feel like she genuinely cared and was there to help and support us!
Jacy and her team at PMR were incredible. I’m a first time home buyer and Jacy was very patient and diligent in answering all of my questions and concerns. Jacy and her team kept this home buying process as stress free as possible. If you plan on using a VA home loan, Jacy and her team were knowledgeable and incredibly helpful. I highly recommend.
Jacy and her team were absolutely amazing! She answered all my questions even late at night. She was always easy to get a hold of. They were quick to get any issues resolved and were great about keeping me updated. I couldn’t have asked for a better person to help me through the buying process!
Jacy made the home buying application so easy. I really appreciated her being available even on weekends to answer all my questions. Definitely recommend her to family and friends!
Jacy was with me 100% of the way! She was professional, always answered my calls and text messages even after hours. Jacy kept my stress levels down throughout the whole process.
Jacy made the home buying process smooth and enjoyable. She was always available from start to finish and it was a pleasure working with her!
Jacy and her team were great. Anytime I had a question they were available and explained everything. They were available any time. Would highly recommend them.
Jacy is wonderful and was great to work with!!
Jacy is the best at what she does. Very fast and very helpful. Thank you jacy
Fast approval and work with no issues! She got us approved when ICCU wouldn’t! An amazing experience and a great team
Jacy is by far the best person to contact if your looking to buy a house or refinance your house. Shes experienced and has a ton knowledge on everything you need help with. Ive went through her twice on a purchase and a refinance and no regets. Team Jacy is the go to for all your home dreams
Jacy and team were amazing. Made a long distance transaction as easy as possible. They were on it from day 1 and ended strong. Thanks so much
I did not have a very good experience, but the bank that I tried to go through. My real estate person suggested that I try premiere mortgage. With the bank it took several months and still did not go through. With premier it took start to finish a month and a half to two months and they experience was one that I will never forget they were great to work with. I will recommend premier mortgage to my family and Friends
We loved working with jacy! We are a young couple so we needed extra guidance and jacy made sure we knew what was going on at all times!