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.
Premia Mortgage Summer Homeownership Event

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.

Get Pre-Approved
Premia Mortgage Pre-Approval

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.

Get Refi Pre-Approval
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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.

Stay smart
Premia Mortgage

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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The love is mutual.

Kind words from a few of our happy homeowners.
Premia Mortgage
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
★★★★★
Untitled design (5)
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
★★★★★
Premia Mortgage
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
★★★★★
Premia Mortgage
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
★★★★★

 *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 rate has fully funded or approved the borrowers mortgage application. Premia Mortgage reserves the right to revoke a loan approval at any time if there is a change in borrower's financial condition or credit history which would impair 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. 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 rate has fully funded or approved the borrower's mortgage application. <COMPANY NAME> reserves the right to revoke a loan approval at any time if there is a change in borrower's financial condition or credit history which would impair the borrower's 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. 

**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. 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. 

 ***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. 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.