We open the door to a smarter mortgage experience.
Combining expert guidance, AI-enabled technology, and a process that feels less like a transaction and more like a welcome home. No pressure. No confusing process—just clear, thoughtful guidance.
LET'S GET YOU HOME!
Up to $2,500 Lender Credit
*Terms and conditions apply.
Buying a home
Getting pre-approved for a mortgage is a smart first step. It helps you understand what you can afford, strengthens your offer, and move quicky when the right home comes along. You'll also see what's needed upfront, so there are no surprises later.
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Refinancing
Whether you're looking to lower your rate, change your loan term, consolidate debt, or access cash, refinancing gives you the flexibility to align your mortgage with your goals.
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Education
Buying or refinancing a home comes with a lot of questions—this is a good place to start. Explore guides, tips, and insights designed to help you understand your options, feel more confident, and move forward at your own pace.
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Curious what you can afford? Let’s take a quick look together.
Why borrowers choose Premia Mortgage.
Mortgage expertise—without the noise
Backed by nearly 40 years of experience, we deliver focused guidance without the noise—paired with responsive support and flexible communication, on your terms.
One team, start to finish
From start to close, the same team is with you—clear, connected, and on track. Backed by loan experts with an average of 19 years of experience, you’ll feel confident at every step.
Competitive rates, lower costs—more savings
Access competitive interest rates, pre-negotiated closing costs, and smart pricing strategies designed to help you save*. With features like a float-down option, you can take advantage of better rates if the market improves—giving you added confidence as you move forward.
Built for speed—and smarter approvals
Speed matters—but so does doing it right. Our AI-powered* underwriting works behind the scenes to streamline your loan, reduce paperwork, and keep things moving—so you can get approved faster and with more clarity along the way.
A smarter, no-pressure experience
Clear answers, thoughtful advice, and personalized guidance at every step—so you can move forward with confidence, never pressure.
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Behind every mortgage is a team working for you.
We stay connected, communicate openly, and support each other—so you get a smoother, more thoughtful experience from start to finish. It’s something we take pride in every day, and a big part of what sets us apart from other lenders.
There’s no one-size-fits-all mortgage, just a smarter fit. Explore at your pace, then connect with a loan expert when you’re ready.
First-Time Buyer
This fixed-rate loan offers amounts up to $832,750—or $1,249,125 in high-cost areas—with down payment options as low as 3% and discounted private mortgage insurance (PMI) to help keep monthly costs down. It’s a strong fit for first-time homebuyers, low- to moderate-income borrowers, or anyone with limited funds for a down payment or less-than-perfect credit who still wants a stable, predictable mortgage option.
FHA
This government-backed loan** offers financing up to $832,750—or up to $1,249,125 in high-cost areas—with a low down payment option starting at just 3.5%. Designed with flexibility in mind, it allows for more lenient income, debt, and credit requirements, and even permits down payment and closing costs to be funded through gifts or grants. It’s a popular choice for first-time homebuyers or those with limited savings or less-than-perfect credit looking for a more accessible path to homeownership.
VA
This VA loan program** offers financing up to $4 million with no down payment requirement, making it a powerful option for eligible borrowers. With flexible income, debt, and credit guidelines, and the ability to use gifts or grants for closing costs, it’s designed to make homeownership more accessible. Ideal for qualifying veterans, reservists, and active-duty service members—especially those with limited savings or less-than-perfect credit—it provides a flexible and affordable path to buying a home.
Fixed-Rate
A fixed-rate loan offers stability and predictability, with loan amounts up to $832,750—or $1,249,125 in high-cost areas—and consistent monthly principal and interest payments that protect against rising rates. With flexible terms ranging from 10 to 30 years and down payment options as low as 3%, it’s the most popular choice for homebuyers—especially those planning to stay in their home long-term, lock in a low rate, or manage a limited or fixed income.
Adjustable-Rate
This adjustable-rate mortgage (ARM) offers a lower initial interest rate that remains fixed for a set period before adjusting with market conditions, helping increase short-term cash flow. With down payment options as low as 5% and a variety of fixed-period terms to choose from, it’s a smart option for buyers who plan to move or refinance within a few years and want to take advantage of lower upfront payments.
Jumbo
This jumbo loan program offers financing up to $10 million with both fixed and adjustable-rate options, down payments as low as 5%, and even interest-only features for added flexibility. Designed for buyers purchasing high-end properties or homes in high-cost areas, it leverages multiple investors to provide competitive, cost-saving options while accommodating more complex financial profiles.
Buydown Programs
This temporary buydown option is available on most loan types and offers five flexible structures ranging from 1- to 3-year terms, with lender-paid***, seller-paid, or split-cost options. It allows buyers to enjoy lower monthly payments in the early years of their loan, making it a smart strategy for increasing short-term cash flow. Ideal for those planning to move or refinance within a few years, it can also be a more effective negotiation tool than asking a seller to reduce the purchase price.
Foreign Nationals
This foreign national loan program offers financing up to $832,750 with down payment options as low as 5% and 15- or 30-year fixed terms—all without requiring U.S. credit history. Designed for non-U.S. citizens purchasing a primary residence in the U.S., it provides a flexible path to homeownership for international buyers looking to establish roots.
The love is mutual.
Kind words from a few of our happy homeowners.
Johnny and Daniel were great to work with throughout the process! Highly recommend!
Paul was wonderful to work with. Vicki truly went above and beyond for us and our loan; she was amazing to work with.
My client loan specialist, Scott Wilson, was exceptional. Scott was always available, a quick communicator, and a pleasure to work with. I would highly recommend Scott.
Everyone at Premia was professional and great to work with. Thank you for all of your help in navigating the process efficiently.
Johnny Lukehart was absolutely amazing. He was patient, informative, professional, and helped me feel comfortable with my decision through to completion. I have moved 8 times, never refinanced, but he was certainly among the best I've worked with. When I move again, I will absolutely reach out to him for support.
Both Dan Bauman and Scott Wilson were extremely helpful and communicative during the closing process. Dan advised us on the best loan program and prioritized us getting the best deal, not the one that made the most money for Premia. Scott really advocated for us and helped get unexpected fees/costs covered for us when there were issues and setbacks that were outside of our control. Overall, they both provided excellent service.
We were very happy with the service we received both from Corey and Mike. They were informative and answered questions promptly.
Overall excellent service. This was my second time working with Dan and my first time working with Corey. I can't thank them enough for their support throughout the process.
My wife and I are happy with the support we received from Premia for our mortgage due to relocation. I do like the ability to do one free refi if rates drop, so that is an excellent benefit.
Lore and Corey were awesome and so helpful and responsive. They jumped through hoops to ensure that we got into our new house in time.
All questions and concerns were addressed promptly. When I was confused, I received emails and phone calls to ensure my complete understanding.
I worked with Trichell Welchko as our client loan specialist. She was responsive, organised and just a pleasure to work with. I would highly recommend Premia and Trichell as a loan provider.
Love working with Jon and Jeff! Thanks for yet again a positive experience on my third transaction! Looking forward to refinancing again in the future.
Johnny Lukehart and Corey Anderson did an amazing job. They were responsive, fast, and professional. They also helped my family out a ton by helping us close early!
Scott really stepped up on our behalf when it came to the HOA's drawn-out response to document requests. HE stayed in constant contact regarding status and made me feel like our transaction was important.
Thank you, Corey and Jeff, for such an outstanding engagement and support on this complex and unique process. You really went above and beyond to support my particular case, and stood by through the difficulties we faced from a Seller not performing on a house. Your support in helping us find a new home was very important for me and my Family and, for this, I am very grateful.
The team was very helpful with the VA loan process, even when issues arose, they handled everything with ease.
They were the absolute best, with a very quick closing time; they were on top of everything, and I was able to close on time. I would highly recommend Premia to anyone. Words cannot explain the service I received from this group. They said they could get me a mortgage in two weeks, and they did. I closed on the house on time due to their diligence.
The team made this process go as smoothly as possible. The commitment to service was appreciated, and I am grateful for the opportunity to work with the company.
Scott & Corey were fantastic. They were always available & responsive whenever I had any questions or needed any support. They were very knowledgeable & were able to answer all of my questions & ensure I had everything I needed for a smooth process. Thank you to both of them for the great experience.
We worked with Ken Woodward and Trichell Welchko, and we must say they are the best team we could have been given. They were both very patient and guided us through this whole process. We truly appreciate both of them!!
This is my second time using Premia to help with lending for a relocation. I will certainly use Premia again if needed. Everyone I've worked with has been outstanding.
Mike and Trichell were a dream to work with! Not only did they explain every detail to me, but they had a strong sense of urgency to ensure I was getting the best loan for my new home. They went above and beyond to make sure I understood the terms and made the loan process very easy!
Paul worked with us for almost a year until we found our perfect home! He was always available to answer questions and provide updates. He kept us up to date and made sure we had what we needed the whole way. Even when we were discouraged with our search results, he kept a positive approach and kept our best interests in mind. He coached us through many options and ensured we got the best service. Thank you, Paul, for always being there for my family and me.
Vicki Heitman and Johnny Lukehart were fantastic to work with. Their dedication to customer service was more than evident and exceeded expectations.
Scott Wilson made an otherwise grueling process (I am a second-time homeowner) a breeze, and I was very happy with his display of ownership and his expertise in giving me the right guidance and even helping me save money up until the last day. Highly recommend Scott to anyone looking to simplify their home buying process. Premia as a whole had very good people willing to help and direct me as needed.
This was my first time buying a house, and Trichell and Billy made the process smooth. I greatly appreciated their help.
Scott communicated well with me by letting me know where the loan was and what was left to do. He was also available when I needed him, even after 5 pm.
We had some unexpected issues arise with the seller; however, Premia worked diligently to make sure that I was able to close on my closing date!!!
Really enjoyed working with both Dan & Jessica. As a salesperson, I hate feeling like I am being sold to or pushed towards a program that is not best for me but best for their company. Not once did I ever feel this way with Dan & Jessica. At all times, I was confident in knowing they were working on my behalf and continuously looking out for what was best for my Wife and me. Thank you!!
I reached out to five mortgage companies, and you were the easiest to work with. I was very impressed with how quickly and diligently you worked to move things along and get things done right. Thank you for providing top-notch service!
The team made this process go as smoothly as possible. The commitment to service was appreciated, and I am grateful for the opportunity to work with the company.
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Both Lore Boczar & Trichell Welcko provided world-class service from the beginning to the end of our process. It is hard to believe how easy they made it for me. With my hectic schedule, their attention to detail was critical & they delivered it & then some. We had numerous options, but the knowledge & advocacy that we experienced from the Premia loan consultant & the loan officer were unmatched in the industry.
Temur Ahmed
Google Review
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Premia made my first time buying a home and relocating to a different state so easy. My mortgage consultant Scott Jansen, kept me informed every step of the way. I felt like he listened and acted on my best interest by presenting solutions that fit my needs. My Loan specialist ensured that process went smoothly till closing. Which only took 13 days!
Gabe U.
Yelp Review
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Excellent communication and quick turnaround times. This is the third move and home purchase we’ve done through Premia, and it is so easy! They really take the stress out of an otherwise hectic event.
Cindy Toll
Google Review
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Premia Mortgage was absolutely outstanding to work with. Daniel and Trichell went above and beyond—professional, attentive, and genuinely caring every step of the way. They made us feel like we weren’t just another client, but truly unique and valued. Their communication, expertise, and personal touch made the entire process smooth and stress-free. Highly recommend!
Matthew H.
Premia Survey Comment
*Available to eligible non-relocation borrowers financing a home purchase or refinancing with Premia Mortgage. Borrower must qualify. The up to $2,500 lender credit may be applied toward eligible closing costs and prepaid items, where permitted, and may not exceed the amount of eligible costs incurred. Not redeemable for cash. Valid on applications through 12/31/2027. Offer may not be combined with certain promotions or lender credits. This is not a commitment to lend. Offer subject to change or withdrawal without notice. Additional terms and conditions may apply.
**Savings, if any, vary based on consumer credit profile, interest rate, and a variety of factors. Smart Underwrite utilizes Intelligence Automation (IA), an automated process identifying and validating discrepancies with credit, income, or assets in review of borrower-submitted loan documentation prior to an Underwriter making a final approval decision. This automated review should not suggest to a borrower that the rate has fully funded or approved the borrower's mortgage application. Premia Mortgage reserves the right to revoke a loan approval at any time if there is a change in the borrower's financial condition or credit history which would impair the ability to repay. Eligible borrowers include W2 employees purchasing an existing home with a conventional conforming mortgage. Not all applicants will be approved. Restrictions apply.
1 The term "lender paid" means that the eligible borrower selects a higher interest rate on a mortgage loan in exchange for a lender credit. The lender credit is used to cover the cost of temporarily lowering the mortgage rate and will not exceed the cost required to achieve the selected rate. The lender-paid temporary rate buydown option is available on conforming 15- and 30-year fixed-rate loans as well as FHA and VA 30-year fixed-rate loans for the purchase of a primary residence. The 1.5/.5 buydown option is not available for VA loans. Property and loan type restrictions apply. Contact Premia Mortgage for more information.
2 Premia Mortgage is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code.