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...
Father to two pretty cool kids and several 4-legged furballs.
Air Force Veteran.
Retired Law Enforcement Professional.
Passionate defender of Community Heroes.
That’s me in a nutshell. I’ve been married for over 20 years, have two pretty awesome kids who keep up with the dad jokes, and have several 4-legged family members, too. We have been part of the Pacific Northwest community for 20+ years and are now making our way in the Inland PNW area.
After finishing high school in Ohio, I enlisted in the US Air Force and focused on C-17 cargo planes as a mechanic and flying crew chief. It was a dream to be able to fly with and fix planes all over the world! During my enlistment, I was stationed in Charleston, South Carolina. After my time in the USAF ended, I moved to the Pacific Northwest with my wife, Sara. That’s when I found my way to law enforcement.
I started in a local county as a Recognizance Officer. I moved fairly quickly to a neighboring county as a Corrections Deputy and stayed with the Clark County Sheriff’s Office for the duration of my career. While I was there, I had the privilege to be a Field Training Officer, work on the Security Response team, and was part of a small team to choose, build, and implement a new Jail Management System for our entire county.
In 2018 I was promoted to Corrections Sergeant. As I came toward the end of my career with the County, I began looking for something that would allow me the opportunity to continue to serve the public, and see positive results on a regular basis. I often wondered what I could do that would allow me to help as many people as possible but give me time with my family after 20+ years of shift work and crazy schedules.
In early 2022, I made the leap, retired early, and became a Mortgage Loan Originator. I’m so excited that this new career is exactly what I was looking for! I can continue to help our amazing Community Heroes, first time homebuyers, investors, people from all walks of life, and still get to be here at home when my kids get home from school. I’m living my mid-life dreams and I can’t wait to help you live your dreams through home ownership!
Whether you’re buying, refinancing, investing, or just looking for someone to review your current loan and see if you have the best possible scenario, give me a shout! Call, text, email, whatever works for you, I’m here to be of service to you! I can’t wait to talk with you!
Premier Mortgage Resources Blog
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.
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.
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 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.
Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.
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.