Home Loans With Jacy

Jacy Pool NMLS: 1456505 State Licensing Information: ID-MLO-19042 Company NMLS 1169

IDAHO’S TRUSTED HOME LOAN EXPERT.

Jacy Pool and her Magic Valley team get qualified buyers fully pre-approved in as little as 48 hours. Not a computer. Not a call center. A real local team that knows your market.

APPLY NOW

WHAT OUR CLIENTS SAY

★★★★★

"Jacy and Dakota were very informative and made sure everything went smooth throughout the process. They made the home buying process very easy. I'm very grateful to have gone through them."

Brandi Havens
★★★★★

"These guys were so patient and willing to help with whatever we needed. They went above and beyond what they needed to do to help us finally own a home."

Meghan Burnham
★★★★★

"Jacy and Dakota were a delight to work with! They were professional, quick to respond and very personable. We were grateful to have them help us with our home purchase journey!"

Elizabeth George
★★★★★

"Dakota went above and beyond to make sure we felt comfortable and informed every step of the way. Her kindness, patience, and caring nature made the entire loan process so much easier than we ever imagined."

K Gwin
★★★★★

"Jacy team was awesome: very detailed oriented, explained options and had great follow through. All went smooth and always available for our questions. Would highly recommend."

Mike Livitski
★★★★★

"Jacy, Dakota, and Tatianna worked well to get us all set with a loan. They answered all my questions and it was an easy and fast experience."

Garnet Dean
★★★★★

"Jacy and her team are outstanding! They go above and beyond to help with anything you need. The communication and response time is fast. Premier makes home buying easy, highly recommend!"

Taner Day
★★★★★

"Jacy and her team were awesome to work with for our first house. Couldn't have made everything any easier for us. Will 100% be using Premier again!"

Nicholas Hardy
★★★★★

"I honestly didn't believe that I would be approved for a home loan and Dakota made it happen. Took care of us through the entire process. She and her team were amazing!"

Angela Foley
★★★★★

"Jacy and her team were fantastic to work with. Professional, responsive, and helpful every step of the way. They always kept us informed and made the process seamless."

Casee Gee
★★★★★

"Team Jacy made our house purchasing experience go very smooth and everyone treated us with respect. Everyone at Premier did a great job helping make this big change in our lives go smoothly."

Bryan DeBoer
★★★★★

"I was absolutely amazed with Jacy and her dedication and timeliness. Working with her and her company has been hands down the best experience one could ask for."

Melissa Boyd
★★★★★

"Jacy is absolutely phenomenal! This is our second home we've bought using her. She got us qualified for more than I thought possible and made the whole process smooth and stress free."

Carrie Teeter
★★★★★

"They say buying a home is stressful but working with Jacy, Dakota, and their whole team that wasn't my experience. Easy and enjoyable from start to finish."

James Gallion
★★★★★

"Jacy and her team are honest, hard working and communicate beautifully. My clients are always well taken care of and I love referring them."

Kiersten Verbree
★★★★★

"Jacy and team have now helped me through two different mortgages. They have gone above and beyond to advise, support and make the process easy every single time."

Jennifer Caraway
★★★★★

"Jacey is top notch and makes dreams come true. She had everything ready to close within three weeks of the offer being accepted."

Sherry Summers
★★★★★

"Jacy found me a better interest rate than 2 previous companies and her team were absolutely phenomenal. They made the entire experience seamless from start to finish."

Lucy Jennings
★★★★★

"Jacy and her team were determined to kick me over the finish line no matter what obstacle I put in their path. As a first time buyer they made everything simple and stress free."

138pigpen
★★★★★

"Jacy and her team need 100 stars. Buying a new house is the most stressful thing I've ever experienced and they made it as smooth as possible every step of the way."

Tayller Phillips
★★★★★

"Jacy and Dakota were very informative and made sure everything went smooth throughout the process. They made the home buying process very easy. I'm very grateful to have gone through them."

Brandi Havens
★★★★★

"These guys were so patient and willing to help with whatever we needed. They went above and beyond what they needed to do to help us finally own a home."

Meghan Burnham
★★★★★

"Jacy and Dakota were a delight to work with! They were professional, quick to respond and very personable. We were grateful to have them help us with our home purchase journey!"

Elizabeth George
★★★★★

"Dakota went above and beyond to make sure we felt comfortable and informed every step of the way. Her kindness, patience, and caring nature made the entire loan process so much easier than we ever imagined."

K Gwin

LOCAL EXPERTISE - NATIONAL CONNECTIONS

WELCOME

Buying a home is one of the biggest financial decisions you'll ever make. You deserve a team that takes that seriously.

At Premier Mortgage Resources, we believe every borrower deserves a real person in their corner. Someone who picks up the phone, explains your options clearly, and works hard to get you the best possible outcome. No robots. No runaround. Just people who genuinely care about getting you into your home.

Jacy and her team have helped hundreds of Idaho families, first-time buyers, veterans, and investors navigate the mortgage process with confidence. We'd love to help you too.

FIRST-TIME BUYERS

Buying your first home is one of the biggest decisions of your life. Jacy and her team walk you through every step and make sure you feel confident from application to closing.

GET STARTED

VETERANS

You've served your country. You deserve a home loan that honors that. Jacy specializes in VA loans with zero down payment options and makes sure every veteran gets the full benefit they've earned.

GET STARTED

SELF-EMPLOYED & INVESTORS

Traditional income verification doesn't work for everyone. Jacy offers bank statement loans and DSCR programs built for self-employed borrowers and real estate investors.

GET STARTED
Jacy Pool

WHY WORK WITH JACY

When you work with Jacy, you get more than a loan officer. You get a full team behind your loan from application to closing, with the care and attention only a dedicated local team can deliver.

Jacy is a top-ranked branch manager and Mortgage Loan Officer in the Magic Valley. That ranking reflects hundreds of closings, thousands of conversations, and a genuine commitment to getting buyers into homes the right way.

She's not a call center. She's your neighbor. Deeply rooted in the Magic Valley community, Jacy has spent over a decade helping local families, first-time buyers, veterans, and investors navigate one of the biggest financial decisions of their lives.

And when speed matters, Jacy delivers. Through the Xcelerate Approval program, qualified buyers can receive a full underwriting pre-approval in as little as 48 hours.

✓  Team-backed from application to closing
✓  Top-ranked in the Magic Valley
✓  Deep roots in the local community
✓  48-hour Xcelerate Approval
✓  10+ years of mortgage expertise

HOW IT WORKS

Getting pre-approved is easier than you think. Here's how it works.

01

APPLY ONLINE

Takes about 5 minutes. Fill out a simple application from your phone or computer, any time of day.

02

UPLOAD YOUR DOCUMENTS

Securely upload your income and asset documents. Jacy's team will guide you through exactly what's needed.

03

GET PRE-APPROVED

Receive a full underwriting pre-approval in as little as 48 hours. A real approval from a real underwriter, not an automated system.

04

START HOUSE SHOPPING

Shop with confidence knowing exactly what you can afford. Your pre-approval gives your offer a serious edge in any market.

Father and Sons hanging image in new home

expert mortgage solutions

With Xcelerate, buyers can receive REAL approvals, fast. That means you receive an Underwriting Pre-Approval (“Xcelerate Approval”) by a real underwriter (not an automated system) with lightning-fast speed. Having a preapproval gives your offer an edge in the competitive market out there now. Your Xcelerate Approval will position you as a serious buyer. Plus, you and your Real Estate Agent will know your exact buying power. This means you’ll know exactly what you can afford, with monthly payments and purchase price.

Young girl running into new home

idaho housing

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!

Our programs

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 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.
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.
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).
Down Payment Assistance

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.

Other loan programs

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 Mortgage

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.

Bank Statement Loan

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.

Balloon Mortgage Programs

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.

READY TO GET STARTED?

Your dream home is closer than you think. Apply today and get fully pre-approved in as little as 48 hours.

APPLY NOW