We know our clients by their names, not loan numbers

Since 1995, we have been helping people secure the right mortgage for their needs.

PMS Loan Programs

At Platinum Mortgage Solutions, we have over 30 years of mortgage industry experience to provide you the most comprehensive service! We provide access to all different loan types to suit all our clients’ specific needs. Customized customer service and superior mortgage industry knowledge, saves our clients time and money!  Call today, you’ll be so happy you did!

Customer Service

Customer service is our strong front.  You work with one of us, you always get one of us.  No more talking to multiple people trying to get the story straight, over and over searching for an answer, or getting passed around departments to get a callback.


Bankers work 9-5 (if that) but our clients can reach us whenever they need, especially when it’s crunch time!


We are not a bank, we’re mortgage brokers! We work with a dozen wholesale lenders that offer wholesale interest rates, some of the lowest in the mortgage industry, so we’re always beating the banks.


Mortgages are all we do, it’s the only product we sell.  Each individual has their own specific wants and needs, we ask the right questions to build the puzzle, fine-tuning the right product to fit each and every client. Customized service and superior knowledge of the mortgage game is what we as brokers do at Platinum Mortgage.

Get Started Simple & Securely

Simply fill out our secure pre-qualification form to get started!

Pre-Qualify Application

Frequently Asked Questions

Our mission is to deliver reliable, latest news and opinions.

When determining how much you can borrow, lenders will consider your income level compared with debt, your employment status, and your credit history. Call us today about getting prequalified for a mortgage before you start shopping for your new home.  This will make the whole experience stress-free and much less time-consuming.

Military veterans and first-time homebuyers may be eligible for special government-sponsored mortgage programs. Ask your lender what you might qualify for.

Prepayment penalties are no longer allowed in some states, so it’s important to ask about this. These penalties let the lender collect an additional six months of unearned interest if you pay your loan off early—either through a refinance or sale of the property. Some penalties are only in effect during the first 2–5 years of the loan, so get clarification. Ask about the terms of the prepayment, and if the prepayment penalty would apply if you refinanced through the same lender at a later date.

Mortgage rates can change from the day you apply for a loan to the day you close the transaction. If interest rates rise sharply during the application process it can increase the borrower’s mortgage payment unexpectedly. Therefore, a lender can allow the borrower to “lock-in” the loan’s interest rate guaranteeing that rate for a specified time period, often 30-60 days, sometimes for a fee.

The commonly accepted answer to this question is 20%, but that’s not always mandatory. If you’re well-qualified, you might can pay as little as 3% with some types of loans, but there are pros and cons to this, so ask about all your options. One downside is that you’ll most likely have to pay for private mortgage insurance if you put less than 20% down. This can mean more closing costs and an increased monthly payment until you reach the magic 80% loan-to-value ratio. Lenders tend to offer the lowest interest rates when you have at least 20% equity in your home.

The property is officially transferred from the seller to you at “Closing” or “Funding”.

At closing, the ownership of the property is officially transferred from the seller to you. This may involve you, the seller, real estate agents, your attorney, the lender’s attorney, title or escrow firm representatives, clerks, secretaries, and other staff. You can have an attorney represent you if you can’t attend the closing meeting, i.e., if you’re out-of-state. Closing can take anywhere from 1-hour to several depending on contingency clauses in the purchase offer, or any escrow accounts needing to be set up.

Most paperwork in closing or settlement is done by attorneys and real estate professionals. You may or may not be involved in some of the closing activities; it depends on who you are working with.

Prior to closing you should have a final inspection, or “walk-through” to insure requested repairs were performed, and items agreed to remain with the house are there such as drapes, lighting fixtures, etc.

In most states the settlement is completed by a title or escrow firm in which you forward all materials and information plus the appropriate cashier’s checks so the firm can make the necessary disbursement. Your representative will deliver the check to the seller, and then give the keys to you.

The average loan processing time is around 43 days. You must include a closing date to write a purchase contract properly, so you’ll have to coordinate this date with your lender. Ask about the anticipated turnaround time. Find out if any anticipated obstacles could hold up closing, and how long after final application approval will the loan fund.