I was a first time home buyer looking for a mortgage. I got all my places lined up for the day and asked one of the consultants to give me a rough estimate of the rates he had. He gave me a rate that was well outside of my research range. When I said to him "Hey this doesn't seem right, can you check it again" He said "I did everything I could and that is the best rate I could get, I do this for a living." I literally called 3 major banks and got 3 quotes that were all 1% lower than his "lowest rate" I told him I was moving on with another bank. He said "Well maybe I can talk to my manager to get a lower rate...I didn't know rates were so low." Get a second opinion when working with these guys... Slimy as hell. read more

Update: 8/31/2017 Thank you for Grace's sincerity and helpful reply. I feel like I can trust her again. I think I'm too impatient to wait for her reply. Now I know customers are very important to her. She will take good care of them. I will definitely do business with her in the future if needed. I will recommend Grace to others wholeheartedly. Original: 8/30/2017 At first Grace Davis was helpful but then she did not respond to my last email. I just want to find out the interest rate and closing costs. Is that too much to ask? She might just be too busy to answer two questions. Maybe I am not worthy of her time. I chose her because she is on the list of preferred loan officers. But now I think it is overstated. Not recommended. read more

Marcia Patton, our Platinum Home Mortgage account rep, was GREAT! She was faced with a challenging situation when we called on her to work with us. We relocated across the US with many moving parts - home sale, new job and a unique home purchase contract. Marcia is highly organized with years of experience. We had daily (sometimes hourly questions) and Marcia always responded quickly. She did an outstanding job finding us the loan we wanted, always keeping us informed, and on track throughout the process. She partnered with my realtor, sellers realtor and title company to ensure we closed in time to avoid 6K in additional moving and storage fees. Marcia truly went above and beyond. We highly recommend Marcia Patton at Platinum Home Mortgage!! read more

I call BS on all these high rated "reviews". My mortgage was transferred to them from Guaranty Bank not too long ago. I have been calling all hours of the day, every day of the week during business hours, for over a *#*&# month to pay my mortgage and the phone line continuously tells me to wait for a rep and then disconnects me. Every time I call. From 9 different phones now. It also refuses to allow me to register online to pay and keeps telling me to call the worthless, "congrats you are disconnected" customer service line. They have NO email address on their website for contact so my only way to reach them is though the mail at this point. Seriously. A "mortgage" company that's merely a glorified debt collector that is making me want to sell my house just because of the headache it is to even pay my mortgage. read more

A senior manager at Platinum resolved this for me, including getting the refund check fedexed to me. Her service was excellent and I greatly appreciate the resolution. read more

This is the most frustrating company that I have ever dealt with. We have had our mortgage with them for 3 years and never been late or missed a payment. In November '18 I called Platinum to inquire about the removal of PMI. I was told that I needed a new appraisal and the LTV had to be less than 80%. I paid $425 for the appraisal and was told someone would call to schedule the appraisal. After several weeks I called Platinum back to check up. I was then told I owed $155 more for the appraisal. I paid it and again was told I would be contacted. Several weeks went by with no call. I called again and an appraisal was scheduled. After the appraisal, i was told that i would be contacted with a decision. Again, no contact at all for several weeks. I called Platinum and was told the request to remove PMI was denied because the LTV needed to be 75%, not 80%. After disputing the denial, I was directed to a local branch manager who said the LTV needed to be 80%. The local branch manager contacted Platinum Corporate who confirmed 80%. I then made an additional $1,000 payment on top of my regular payment to ensure we met the 80% criteria. I was told to re-submit the request and that I would be contacted. Again, no contact from Platinum for several weeks. I called to check the status and was told we were denied again. The Platinum employee stated an emailed explanation would be sent within 1 hour. No email was ever sent. After sending a very long winded complaint to the company, I received a generic apology for all of the misinformation given and an almost sarcastic offer to assist with future loan service. Lol, yeah right. Bottom line, I'm out $580 for the appraisal and took $1,000 out of my savings for nothing. The company never reached out to me throughout the entire 5 month ordeal. Nothing but frustration and bad information for 5 months, all the while making regular mortgage payments along with the $229 per month PMI payment. Run away from this company as you will be ignored by them once the have your loan. Horrible experience. read more

Great Mortgage Company in Fresno.Best loan officer in Mortgage Business. Mohan thank you for helping my brother get his loan closed on time. read more

I'm still upset at the service I received from Nick Goza. This guy completely ruined my first time experience in buying a home. Very rude and used bad language. Very unprofessional. He told me "no news is good news." I called him during the pandemic for an update and the guy cursed me out and asked me if I even still had a job? I kid you not? I reviewed this place before and Yelp took off my review. Some guy from PHM replied to my comment and told me to call them back only for a voicemail and a rude receptionist. Do not come here if you're a first time buyer!!! I finally got the help I needed from elsewhere and I'm about to close on earning my first home. read more

If you are selling a home, beware of deceptive practices of this firm, such as lying about the buyer's financial status, inaccurate statements about why a mortgage is held up, etc. My realtor was assured the buyer was solid. "The check was in the mail" for the closing, asking for extensions for check clearance. At the end there was no check and the deal was dead. The buyer could not afford it. Art Lavelle and Veronica strung my attorney and realtor (and me) along. Unprofessional duplicitous practices had us lose weeks during prime selling season. read more

Don't do it. Save yourself the headache. Go to a better lender for home loans. I regret using platinum. #scammy # tricksters. #not the best read more

If you're a first time home buyer, you're looking in the right place. Grace is always there even when she's on vacation! The whole team is very approachable and willing to help out and explain the many things that confuse a first timer. We stumbled upon PHMC on CalHFA's website and we're so glad we did. She is so dependable, and trustworthy, and replies to all of our queries. We are definitely recommending her to our friends and family. read more

So naturally, I shopped around for a bit for a good lender before diving completely in when purchasing my new home. The big name places seemed just fine, but what sold me on Platinum was their staff. I'm not sure about the rest of their employees, but Lidia was stellar. She took care of my family and me and did an amazing job!!! I'm a staunch DIY-er, so I asked a ton of questions, which were answered in detail and came with extra advice I hadn't even thought of. It felt good to know she knew what she was doing. Moreover, I had a general timeline in my head and took into consideration setbacks that could arise, but she was so efficient and it all went quicker than I thought and without a hitch. I'm a numbers guy, so I'll go with whatever gives me the best deal. I'm all about the brass tacks, so to speak. But needless to say, a great deal coming from a sharp young lady w a colgate smile will always get my vote. Go to Platinum, ask for Lidia. Highly recommended. Do it. read more

I was referred to Platinum from my Realator and man I'm glad I went with then. I shopped around a few banks and platinum and Randy from Platinum Mortgage was the shining star. He met me at my realtors office and did the preliminary paperwork, then it was a few pieces here and there. After my offer was submitted I closed within 35 days and that's with the sellers pos escrow company dragging it out an extra 4 days BECAUSE THEY DROPPED THE BALL!!! Ask for Randy Perre, he is courteous, professional and no question is a dumb question (trust me I asked a lot lol). Randy told me " I get worried if you don't ask me a question". Now THATS service!!!! read more

120% the best experience in my life. They went above and beyond on doing what they needed to get us everything we needed and into our first home! Love them so much. Wouldn't recommend anyone else!!! 10 thumbs up! read more

Don Flannery was kind and very easy to work with. He was patient with us while purchasing our first home. I will be recommending friends and family:) read more

This is the third transaction I have had with Maria West of Platinum Home Mortgage and all have gone smooth. Her response times are great, her communication skills are great and she is professional. I would use this business again as my trust has been gained. Thanks Again Maria. read more

Really appreciate Mohan's help in getting my loan for my third property. Being it was a complicated loan due to multiple reasons, he was able to walk me through and fight for me. The only concern I have was at the beginning of my loan process, a new hire was unorgainzed and i had to keep resending records and files. With the lack of communication from the person filing my loan, cause the alot of mis communication and delay. Once Mohan took over, everything went smoothly so i really appreciate his help and support. read more

Platinum mortgage is top-notch. Not all lenders are created equal but many will have you think they know how to help you, until the very moment where they can't help you any longer... and time and money is wasted. Art is not only a very nice man he is also extremely skilled at what he does, he is exceptionally thorough and knowledgeable knows how to get the job done. I've basically had my hand held from application to buying the home every step of the way and it was a hard process as my case dealt with negative credit items in addition to many other things Including being a VA loan. I am thankful for everything that they did and all of the work that went into getting us financed. I know I was very lucky to find them because of all of my past experiences. I simply fell into the best of hands and for that I am so grateful! I highly recommend Platinum mortgage, Art and his team. If you are considering using them to buy your home, go for it. You will be well taken care of. read more

these people must have thought I was some stupid little girl on the phone. they quoted me well over $2,000 of loaner fees over the phone for buying a condo, and I am putting 20 percent down. the lender I am going with is charging me wayyyyy wayyyyy lower than this AND is giving me a credit off of their retail price. JUNK FEES GALORE. read more

The folks at Platinum DO NOT have the buyers interest at heart. They are disorganized, have lost papers, missed two closing dates, are slow to get back to you, and in essence are a BIG JOKE of an outfit. They have a philosophy of contacting the sellers directly before they contact the buyer (YOU - THE PERSON THAT HIRED PLATINUM) regarding status's. If you want service go to a real bank such as Hertiage Bank of Schaumburg, Chase, or Harris. Platinum is not where it's at. read more

We had a stellar experience with Platinum Home Mortgage. Andy was our lender and go-to guy whenever we had any questions. He was always prompt to respond and patient with us, as this was our first time buying a home. Everyone moved quickly and made the process as stress free as they could! We even got a great rate. I highly recommend using them for your next mortgage and/or refinancing. read more

I contacted PM because of all of the great raving reviews. My husband and I were trying to see how much we would get Pre-Approved for. Steve contacted us and was very helpful on the phone. I explained we were not in a rush to buy a home but just wanted to see what we would get qualified for. We spoke Monday and I sent him the required income info that same day. He said he could see what we could get Pre-Approved for by the end of the week. He responded back Wednesday with a question which I replied to immediately. I haven't heard back from him since Wednesday. It's like he completely forgot about me or doesn't care. This place is definitely overrated. Like some other people said, they fail at following up. We are first time homebuyers and were hoping Platinum Mortgage was going to guide us through the process. Even if Steve was still working on finding us a loan, I would've still appreciated some follow up saying "hey, I'm still working on this for you". Stay away from this place. After my experience, I question the authenticity of other yelp users positive experiences with PM. read more

Service was outstanding, efficient, thorough! I would use them again in a heart beat!

My wife and I faced the unknown when applying for a mortgage on our first home. The only thing we knew is that we were committed to take this next very important step in our life. We knew we needed a mortgage company/person who was equally as committed. We needed a company/person with experience, professionalism, perseverance, honesty and integrity. We had some special circumstances that needed this kind of attention when obtaining our mortgage. Mike Dote and Platinum Mortgage were all of these things and more. Mike knows the business inside and out. He has over 20 years experience and is honest and reliable. When you call him, he calls you back. When you have a question, you will get an answer. When you send him an email, he emails you back. He is there and with you throughout the entire process. No matter what your situation is, Mike Dote and Platinum Mortgage will get the job done and will work for you. My wife and I would without hesitation recommend Mike Dote and Platinum Mortgage to anyone for their mortgage needs. We are currently happily living in our brand new home with a mortgage that we can afford. We honestly do not know if this would have been possible without Mike Dote/Platinum Mortgage. Thanks Mike/Platinum for making our dream a reality. read more

sad, but true. they don't return phone calls, they are slow and disorganized; they contacted the seller's side before the customer. poor buyer sat at a closing table for 7 hours last week waiting for them to send a wire transfer to a closing. so many other good choices out there. for a purchase money mortgage, this would not be one of them read more