Expert Mortgage Solutions for yOUR HOME BUYING JOURNEY 

With our Xcelerate Approval program, qualified buyers may receive an Underwriting Pre-Approval within 48 hours. This means we can give your offer an edge in this competitive market. Your Xcelerate Approval will position you as a serious and ready buyer helping you cross the goal line for that ultimate touchdown – getting the keys to your new home.

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  Download Steps to Homeownership and Down Payment Assistance Guide

Many people who consider buying a home for the first time often ponder these questions before they start the process. With all of the questions that arise, usually, the biggest concern is whether they can afford a down payment on a new home.

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Loan Programs Offered

Fixed Rate Mortage (FRM)

The traditional fixed rate mortgage is the most common type of loan program, where monthly principal and interest payments never change during the life of the loan. Fixed rate mortgages are available in terms ranging from 10 to 30 years and can be paid off at any time without penalty.

FHA Loans

FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA). FHA loans are available for single family and multifamily homes. These home loans allow banks to continuously issue loans without much risk or capital requirements.


USDA loans are mortgage loans that help make purchasing a home more affordable for those living in rural areas. The U.S. Department of Agriculture backs USDA loans in the same way the Department of Veterans Affairs backs VA loans for veterans and their families.


Refinancing a mortgage means paying off an existing loan and replacing it with a new one. Refinancing can allow you to get into a new, lower interest rate and reduce your monthly payment. You can also use a refinance to tap into equity or consolidate debt.

VA Loans

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families The Veterans Administration provides insurance to lenders in the case that you

Conventional Mortgage

A conventional mortgage is a home loan that isn't backed by a government agency, such as the FHA or VA. Conventional mortgages often conform to the loan limits set by the Federal Housing Finance Administration (FHA).

Idaho Housing Program

Looking for a home loan that fits your unique needs? Idaho Housing and Finance Association has you covered! We offer a range of programs, including conventional, rural development, FHA, and VA loans, to help families find the right financing for their dream home. Plus, we offer down payment assistance to qualified buyers, including the Down Payment & Closing Cost Assistance program. These programs can significantly reduce the amount of cash needed to move into your dream home. Don't miss out on these valuable resources – explore our programs, resources, and tools today to find the right home loan for you!

Down Payment Assistance

Are you a first-time homebuyer or a low- to moderate-income family struggling to save up for a down payment on a home? Don't worry – down payment assistance mortgage programs can help make your dream of homeownership a reality. These programs offer financial assistance with down payments and/or closing costs, making it easier for families to purchase a home.

Don't let a lack of savings prevent you from achieving your dream of homeownership. Explore your options for down payment assistance mortgage programs today and take the first step towards owning your own home.

The Homes for Heroes Program

As a gesture of gratitude to local public safety professionals working on the frontlines of the COVID-19 pandemic, Premier Mortgage Resources, LLC, has launched a new home loan savings program, called "Hometown Heroes."


Adjustable Rate Mortgages (ARM)

Adjustable Rate Mortgages (ARM)s are loans whose interest rate can vary during the loan’s term. These loans usually have a fixed interest rate for an initial period of time and then can adjust based on current market conditions.

Interest Only 

A mortgage is called “Interest Only” when its monthly payment does not include the repayment of principal for a certain period of time. Interest Only loans are offered on fixed rate or adjustable rate mortgages as wells as on option ARMs.

Components of Adjustable Rate Mortgage

To understand an ARM, you must have a working knowledge of its components. Those components are: Index: A financial indicator that rises and falls, based primarily on economic fluctuations.

Bank Statement 

Bank Statement program may help eligible self-employed borrowers purchase or refinance a home. This program uses the borrower’s business bank statements to help calculate their income without requiring tax returns.

Ballon Mortgage

A balloon mortgage has an interest rate that is fixed for an initial amount of time. At the end of the term, the remaining principal balance is due. At this time, the borrower has a choice to either refinance or pay off the remaining balance.


Premier Mortgage Resources was founded on a passion to help all Americans achieve the dream of homeownership.

Our philosophy is centered on acquiring top talent to achieve operational excellence, and provide our customers with an outstanding home ownership experience. Our business is not run by robotics or complex algorithms; it is run by people. There are people who care about the unique financial situation behind every loan. Because our team understands that borrowers are counting on us, they go above and beyond to make sure that we take the best possible care of each loan, while offering a fantastic customer experience.

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