Scott Garner

Branch Manager

(541) 993-0466
[email protected]

NMLS: 884832
747 SW Mill View Way
Bend, Oregon 97702
(541) 604-7200

State Licensing Information: AZ-1018267, CA-DFPI884832, OR-884832, WA-MLO-884832, ID-MLO2080884832, HI-HI-884832, TN - 884832, TX-884832

My Reviews

14 Reviews

  1. Philip&Cathy Horton

    8 years ago ,Scott was my loan officer on a refi I was applying for.He was in constant contact with me through the entire process.He answered my questions and concerns all the while educating me on the ins and outs of refinancing.Not once did I sense I was being patronized or spoken down to! He even saw to it to have my final signing done while on vacation in Maui. I literally hopped off the plane and went right to the bank and signed. That is why I chose to use his services again.Scott is outstanding at was he does and I send business his way whenever I possibly can.The associates he has chosen to work with him, are pretty amazing people also! Cathy and I will be certain to use Scott's expertise again! P&C Horton

    Reply
  2. Randy King

    Scott did a fantastic job with my loan. He is professional and extremely competent. He called me many times and kept me updated on how everything was going. Scott is a great listener. He was able to calm me down when I was stressed out. I work in the field of education and have a fixed income. He was able to put together a refinance that will help me be able to stay in my home through the retirement years. I highly recommend Scott – and Premier Mortgage!

    Reply
  3. Eric G

    Scott and his team did a fantastic job in moving our Home Financing along at a good clip. Always responded within few hours and kept us current on all punch items. Highly recommend.

    Reply
  4. Gerardo Pelaez

    Scott did exactly as advertised. He made our experience as pleasant as he possibly could and he definitely exceeded our expectations. We highly recommend Scott's services!

    Reply
  5. Bruce Kahre

    Working with Scott Garner and his team at Premier Mortgage Resources was a great experience for me. The process moved along very quickly and efficiently. In addition, he was responsive to me throughout the refinancing. I kept expecting the “other shoe to drop” with some last minute problem but it never did. Thanks Scott.

    Reply
  6. Cathy Horton

    Scott was once again fast and efficient with our refi. This was our third time doing business with Scott and he once again exceeded our expectations. Thank you for all your help.

    Reply
  7. Pete Ostner

    Scott took our complex issues and made them easy. His professionalism, knowledge, and good nature helped us sail through our time sensitive transaction.

    Reply
  8. Matthew Hagan

    After having wasted more than 20 days with a big box store lender on a VA loan with a 45 day closing date. Scott and his team were able to get the loan approved and closed by within a few days of the original closing date. Great communication and follow through.

    Reply
  9. Don & Judy Hopkins

    Scott made our refinancing a breeze. He took the time to explain and answer any questions we had. It was a great experience.

    Reply
  10. Brenda Gilman

    Scott was great through the whole process. He kept us informed every step of the way, letting us know what was needed and what to expect. Thank you Scott!

    Reply
  11. Jennifer Moore

    Scott worked his magic with calm and confident. Which in turn helped us remain confident. He navigated some tricky complications like a pro.
    Thanks so much Scott. It was an absolute pleasure working with you.

    Reply
  12. Lara Blanco

    As a first time home buyer I was very fortunate to connect with Scott. He was efficient, thorough and patient. The team behind him was great, too!

    Reply
  13. Valerie Stephenson

    Scott is the best! He has helped us with purchases more than once and each time we are so happy! He is a great communicator, checks in with us throughout the process and will always take time to answer questions or explain things to make them clear. We always refer people to him when we have a chance.

    Reply
  14. Jhonathan Velez

    We are extremely happy with the service we got from you and your Team Scott. You made this possible for our family and we are grateful for it. You and your team were very professional, understanding, and very efficient with this process.

    We will definitely recommend you and your team to our family and friends, and we are ready for our second home you will be the first person I call.

    Many Thanks Bud.

    Reply

About Me

An Oregon native who grew up within earshot of the Lower Deschutes River, I worked in the shadow of Mt. Hood for several years before settling in Bend. I understand what makes this area special, so I welcome newcomers to central Oregon and stand ready to help them make the transition to better living through home ownership.

My professional background in small business proprietorship and industrial systems installation has taught me the importance of building authentic relationships: Whether the situation involves engaging with employees, colleagues, vendors, or clients, my priority is to establish trust and deliver results that not only meet others’ needs but also surpass their expectations.

As the local branch manager for Premier Mortgage Resources, I am committed to providing my clients with quality mortgage lending services and to assembling a team who share my commitment to industry knowledge, personal and professional integrity, and excellent customer service – all of which make our central Oregon community one in which we all desire to live, work, and play.

 

Premier Mortgage Resources Blog

What happens if your mortgage application is denied

What happens if your mortgage application is denied

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...

What community traits to look for when buying a home

What community traits to look for when buying a home

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.

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?