Jimmy Schipani

Loan Officer

(208) 891-3545
[email protected]

NMLS: 650076
250 American Legion Blvd
Mountain Home, Idaho 83647
(208) 891-3545

State Licensing Information: ID-MLO-2080650076, NM-650076, OR-650076, WA-650076

My Reviews

19 Reviews

  1. Samantha J Scobee

    Jimmy and his team were very helpful with the purchase of my home. Everytime I had a question he was right there to help. Very thorough with all the information and the gathering of.

    Reply
  2. Duncan Veal

    Great service, very personable, super friendly. 10/10 would recommend to anyone needing a great loan officer.

    Reply
  3. Crystal Walsh

    Jimmy and his team were so easy to work with and stress free. I was very impressed with his timeliness and responsiveness. He always answered my questions and made time for me. I would definitely use their services again.

    Reply
  4. Crystal Walsh

    Jimmy was so easy to work with and stress free. I was very impressed with his timeliness and responsiveness. He always answered my questions and made time for me. I would definitely use their services again.

    Reply
  5. Marc T Bailey

    jimmy was great.my situation was very un-orthodox and he walked me through every step 10 stars to jimmy

    Reply
  6. Katie Gomez

    Jimmy and his team of professionals were all extremely helpful during the entire loan process. From the first day to the closing, Jimmy answered any questions we had and ensured we had a smooth refinance. You cannot find a better loan officer than Jimmy Schipani!

    Reply
  7. Jonathan Rose

    Jimmy and his team were great to work with, and helped me through the process of buying my first home. Every question I had was answered thoroughly and promptly. They helped me through submitting documents online and completing this process without physically being in Idaho.

    Reply
  8. Pat and Lorice Akers

    We had a great experience with Jimmy and team. We couldn’t be any happier with our experience. Jimmy answered all our questions and concerns. Very responsive and kept us informed throughout the process.

    Reply
  9. Jessica & Kevin Muilenburg

    Jimmy worked amazing miracles and made everything come together for us perfectly. He was extremely quick and we closed in less than 20 days versus the 2 1/2 months we were told from the credit union. Jimmy was willing to meet at anytime around our work schedule and always answered every question. HIGHLY RECOMMEND JIMMY!!!

    Reply
  10. Jose Paredes

    Jimmy is the BEST. There really is no comparison. He's stuck with us and was always informing us about every little thing. He was in constant contact. Jimmy answered all of our question at anytime as well. When we upgrade to a new home I will definitely go though Jimmy again.

    Reply
  11. Brian@Marie Patrick

    Efficient, fast, thorough and very helpful. Also I am very satisfied and highly recommend jimmy for all your Refi needs.

    Reply
  12. LEONA JEFFERS

    I wasn't sure I would qualify for a home loan but Jimmy found the perfect option for me. Being out of state and a 1st time buyer it was hard to find a lender willing to work with me. It was stressful relying on someone you've never met but Jimmy stepped was good at calming my fears and answered all my questions. Couldn't have done it without you! Thanks so much!

    Reply
  13. JILBERTO DURAN GONZALEZ

    Thank you Jimmy for all your help, My wife and I really do appreciate all the hard work you did for us on getting us approved and funded for our new home.

    Reply
  14. Rebecca Sigwing

    Thank you so much for your help and patience. You went above and beyond what I expected.

    Reply
  15. William mcconn i e l

    Jimmy was very professional did an outstanding job return my calls when I called on time I highly recommend him and Premier Mortgage

    Reply
  16. Marsha mcconniel

    A great job we highly recommend Jimmy and premiere mortgage

    Reply
  17. Cassie Owens

    Jimmy and his team were great. Explained all the steps, sent reminders, and adjusted things quickly. Would definitely work with them again.

    Reply
  18. Dana Thomas

    Jimmy and his team are amazing, I had a difficult situation and road to navigate in order to be able to refinance and Jimmy and his team let me know what I had to do in order to make it happen and it all came together like they said would once I was able to do a few things to get to that point. Simply put Jimmy and his team constantly fought for me and found a way when nobody else gave consideration to my situation. I just wish I knew about Jimmy and his team first! Look nowhere else because this is the best place in town hands down and will continue to use Jimmy and his team for all of my future needs.

    Reply
  19. Alejandro Castro

    Working with Jimmy was such an relaxing and stress free experience. The first thing that I noticed was the openness and transperancy when going over the loan information and process. I never felt overwhelmed or as if I didn't know what I was doing and ifi ever had any issues, I know Jimmy and his team had my back and could get it done. Thank you so much for everything!

    Reply

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?