NMLS: 2396432
707 N 7th Ave, Ste F
Pocatello, Idaho 83201
(208) 904-2454
State Licensing Information: ID-MLO-2082396432, MN-MN-MLO-2396432
My name is Stephanie Ramirez. I have lived and have grown up in Idaho my whole life. I have a passion for helping people achieve their dreams of becoming a homeowner. It’s important to me to help guide my clients through the home buying process with care, efficiency, and attention to detail. When I am not working, I am enjoying my three adorable kids and my loving husband. We love being outdoors enjoying everything Idaho has to offer! I look forward to guiding you through the loan process.
As you embark on your homeownership journey, it's important to familiarize yourself with closing costs. These are fees that typically represent 2-5% of your home loan and are a standard part of the process. We're here to demystify closing costs for you, ensuring your...
When purchasing a home, one important step that homebuyers often overlook or delay is getting preapproved for a mortgage. Mortgage preapproval is a service provided by lenders that offers homebuyers a comprehensive understanding of their borrowing capacity, giving...
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.
PMR is not a course provider and does not provide credits for any CE class.
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.
Stephanie was great with us. She advocated for us and made things happen! We absolutely love her!
Stephanie is a professional first class loan officer in the real estate industry, very versatile, professional, and skillful, while always great with and to her clients! Thank you for all you do!
Stephanie is a real estate lending genius! This lady knows the ins and outs of the lending world like no other. She's like a smart kin, always ahead of the game and making things happen behind the scenes.
When it comes to lending, Stephanie is your go-to person. Not only does she have a knack for finding the best financial solutions, but she's also an incredible friend to have on the phone. You can call her up at 10 o'clock at night, and she'll be there, ready to chat and provide expert advice.
But what really sets Stephanie apart is her ability to work behind the scenes. She's like a lending magician, pulling strings and making things happen while you focus on your real estate goals.
If you're looking to secure a loan for your dream property or need assistance with any lending matters, Stephanie is the one to turn to. Her expertise, dedication, and friendly demeanor make her the perfect lending ally. Give her a call and watch her work wonders for you!
Stephanie is amazing to work with! She truly cares about her clients. She goes above and beyond for them. She is an amazing loan officer.
I’ve always been intimidated thinking about buying my first home, but with Stephanie on my team, I believed my dreams could become reality. Stephanie answered all my questions thoroughly and had the upmost patience. Her professionalism and kindness kept me positive in this tough market. I feel like without her, I wouldn’t be in my dream home today!
I recently had the pleasure of working with Stephanie for my client’s home mortgage, and I couldn't be happier with the experience. From start to finish, she exceeded my expectations in every way.
The customer service was outstanding. Stephanie was not only professional but also friendly and responsive.
I wholeheartedly recommend Stephanie for anyone in need of a mortgage or lending services. Her exceptional customer service, competitive rates, and professionalism make her a standout choice.
Stephanie was great to work with! She went above and beyond to meet all of our needs. She wad very personable and easy to work with. Stephanie makes you feel like you’re the top priority. I will definitely be recommending Stephanie to any of my family and friends.