Business Details
29 Years
experience
Emergency
services
Your Trusted Mortgage Partner in Twin Falls, Idaho
Premier Mortgage Resources is a dedicated group of experienced home loan professionals committed to delivering exceptional mortgage services. With over 50 years of combined expertise, our team specializes in customer education, mortgage knowledge, and loan efficiency, ensuring competitive rates and fees for borrowers. We offer a comprehensive range of loan programs, including Conventional, FHA, USDA, VA, and Idaho Housing Loans, tailored to first-time buyers, relocating clients, self-employed individuals, and those with unique financial situations.Our proprietary Xcelerated Underwriting process provides pre-approval before home contracts, enhancing buying power and peace of mind. Backed by an in-house team of processors, underwriters, and closers, we ensure streamlined transactions and rapid response times. Since 1997, Premier Mortgage Resources has served Northwest clients with integrity, transparency, and a focus on community needs. Our commitment to innovation, client-centric service, and industry leadership positions us as trusted partners in achieving homeownership goals.
Services
Fixed Rate Mortgages
Adjustable Rate Mortgages
FHA Loans
VA Loans
USDA Loans
Idaho Housing Loans
HARP 2.0 Refinance
Reverse Mortgages
Jumbo Loans
First-Time Homebuyer Programs
Details
- Year established: 1997
Highlights and features
- We offer over 50 years of combined experience in mortgage lending.
- Our Xcelerated Underwriting process ensures faster loan approvals.
- We provide tailored solutions for first-time buyers and unique financial situations.
- Our in-house processing and underwriting guarantee quicker closings.
- We deliver 24/7 personalized support for all mortgage inquiries.
What people say
Exceptional service
Competitive rates
Responsive support
Smooth closing process
Dedicated assistance
Services
Fixed Rate Mortgages
Fixed Rate Mortgages provide consistent monthly payments with interest rates that remain unchanged for the loan term. Available in 10- to 30-year terms, these loans offer predictability and protection against market fluctuations. Bi-weekly options accelerate payoff by adding an extra monthly payment annually, helping borrowers build equity faster without penalty for early repayment.
Adjustable Rate Mortgages
Adjustable Rate Mortgages feature initial fixed rates followed by periodic adjustments based on market indices. Ideal for borrowers seeking lower initial payments, these loans include caps to limit rate increases. Hybrid ARMs combine fixed and adjustable periods, offering flexibility for those planning to refinance or sell before adjustment periods begin.
FHA Loans
FHA Loans provide accessible financing with low down payments and flexible credit requirements. Insured by the Federal Housing Administration, these loans cater to first-time buyers and those with limited savings. They enable homeownership with as little as 3.5% down while maintaining competitive interest rates and inclusive qualification criteria.
VA Loans
VA Loans offer zero-down payment options and favorable terms for veterans, active-duty service members, and eligible spouses. Backed by the Department of Veterans Affairs, these loans eliminate private mortgage insurance requirements and provide competitive rates. They support military families with reduced closing costs and no prepayment penalties.
Reverse Mortgages
Reverse Mortgages enable homeowners aged 62+ to convert home equity into tax-free funds without monthly payments. Designed for retirement planning, these loans allow seniors to retain ownership while accessing cash through lump sums, monthly payments, or credit lines. Proceeds can supplement income or cover healthcare expenses with no repayment until the home is sold or vacated.
People
Cliff Jaro
Branch Manager/Team Leader
Cliff Jaro leads Premier Mortgage Resources with over 20 years of mortgage expertise, specializing in client education and loan efficiency. He focuses on delivering personalized solutions and low-rate mortgages to Twin Falls residents.
Marety Jaro
Branch Manager/Team Leader
Marety Jaro co-leads Premier Mortgage Resources, bringing extensive experience in mortgage origination and client relations. She prioritizes transparent communication and tailored loan programs for first-time and relocating buyers.
Mary Ralls
Loan Officer Assistant
Mary Ralls supports Premier Mortgage Resources with over 15 years of mortgage processing experience, ensuring smooth transactions and timely closings for clients across Idaho.
Questions
What loan programs do you offer?
We provide Fixed Rate, Adjustable Rate, FHA, VA, USDA, Idaho Housing, HARP 2.0, and Reverse Mortgages to meet diverse homebuying needs.
How does Xcelerated Underwriting work?
Our Xcelerated Underwriting reviews your loan before home contracts, giving pre-approval and strengthening your buying position with sellers.
Can I get a mortgage with low credit?
Yes, we offer FHA loans requiring 580+ credit scores and specialized programs for unique financial situations.
Do you serve first-time buyers?
Absolutely. We provide education, down payment assistance guidance, and tailored loan options for first-time homebuyers.
What areas do you service?
We primarily serve Idaho, including Twin Falls, Jerome, and surrounding communities, with nationwide lending capabilities.
How quickly can you close a loan?
With in-house processing, we typically close loans within 30-45 days, depending on the program and documentation timeliness.