Jaro Team

Mortgage Professionals

(208) 539-9498
[email protected]

NMLS: 5499
857 Polk Street Suite #100
Twin Falls, Idaho 83301
(208) 969-9078

State Licensing Information: ID-MLO-11321

My Reviews

2 Reviews

  1. David Crandall

    Cliff & Marety Jaro are amazing people, the whole staff is awesome, So kind and really take great care of you & all your needs. Their always a step ahead, we went through Premier Mortgage Resources to purchase our dream home in Wendell, they made the whole process so easy and understandable!

    Reply
  2. Jordan

    Marety has been my rockstar lender for 2 home loans and a refi and I wouldn’t go anywhere else! She makes things happen! Attentive, detailed, and up to date on all the ways to make the home buying process easy. I recommend her to EVERYONE. 10 stars in my book.

    Reply

About Me

Trust your local lending team!  The Jaro Team is made up of three licensed loan officers, Cliff Jaro, Martey Jaro, and Meghan Hludzenski, plus one licensed loan officer assistant, Ericka Alonso. In addition to the Jaro Team, we have an amazing team of Processors, Underwriters, and Closers who all work around the clock to accomplish a smooth and successful loan closing. We all are available to answer any questions you may have.
Every loan is handled internally right here at Premier Mortgage Resources until the loan is closed. We have in house processing and underwriting which ensures quicker closing and faster response times for our clients. We all have extensive knowledge with all types of home loans including Conventional, FHA, USDA, VA, and Idaho Housing Loans. Our team is highly experienced with first-time buyers, buyers who are relocating, self-employed buyers, refinances, and jumbo and high-value buyers. We come together as a team and can provide solutions for those “out of the box” situations.  We look forward to helping you with your mortgage lending needs. Please feel free to call, text, or email our team.

Premier Mortgage Resources Blog

Mistakes new homeowners should avoid at all costs

Mistakes new homeowners should avoid at all costs

The road to homeownership can be bumpy, but the ride is well worth it. As a new homeowner, you’re on cloud nine with your major life achievement and attainment of financial security. Yet, the road as a homeowner can also be filled with speed bumps and other pitfalls....

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.

Want to learn which mortgage options might be
right for you and your unique financial situation?