Premium MortgageReviews of premiummortgage.com

I worked with Katie and Dana at Premium Mortgage and they made the process of obtaining a mortgage simply and stress-free. All of the necessary steps were clearly explained, and they kept in constant communication throughout the process. I would highly recommend Premium Mortgage!

When we started with them it was great and once we signed to lock in our rate, it went down hill from there. Our mortgage person never returned our calls and if they did it was days later. The person we did have contact with could never answer our questions and always said someone would get back to us, never did. Documents that we gave them were lost had to go back and resend. At closing all our papers where wrong and to wait for an hour to have them corrected before we closed. Just poor customer service.

Great people and great service.....

The ladies at Premium Mortgage are very helpful and knowledgable in their job.

It was of the option of many selling agents, buyers agents, and many individuals who were close to the Buffalo housing market, that my purchasing experience would be exponentially easier, due to the professionalism and expertise of Premium Mortgage. After finalizing my transaction and officially securing my closing date, it turns out that my aforementioned feedback, could not have been further from my actual experience. I was initially assigned a representative for PM (Premium Mortage), whom I had been working with for nearly six months previously and was delighted. We received great feedback, our approval letters were completed within a business day, and we were treated very fair. When we finally had an offer accepted, we filled out our initial application and that is when the wheels started to fall off. Now before I elaborate, please allow me to identify the type of buyer my wife and are: mid twenties, little debt, masters degrees, well paying jobs, no bankruptcies, foreclosures, barely a parking ticket between us, and a rather nice amount of money in the bank - sounds pretty easy right? We were married this past September and were fortunate to receive many gifts from our friends and family (this is the wheel falling part). Much of our money was moved around different accounts and invested or saved, so we had to not only obtain sworn statements from those who wrote the large gifts, but we had to provide a series of documents that tracked the path of the money from the day we deposited it to the day it sat in its final resting place. This was also true of large sums of money withdrawn from savings or from equities that were used to pay off wedding expenses. I understand tax returns, income, bank statements, retirement accounts, pay stubs, that is perfectly normal - 2008 taught us a ton about why these items are important. But some of the address verification, education verification, and job verification became tedious and at time insulting considering my wife's profession of Occupational Therapy. It is very difficult to work in a subaccute rehab facility with a high school diploma but alas, we also had to bring in her physical copy of her masters degree. I did not mind doing it the first time, but the third and fourth time became irritating, which brings me to my next point. Our original officer no longer participated in our process during the times we were getting this information, we were passed on to a new person who had no interest in calling out or meeting in person, but only communicating via email - our phantom officer. We would call the office at 5:05pm and he would be gone for the day. How do you expect to service working people who can actually afford to pay their mortgage, when you have officers who cut out immediately at 5pm? We would be summoned to the office multiple times to bring back the same articles of information that were already provided only to see them in our file right in front us. I had left my brand new position three times in one week to deliver papers or visit in person. My wife was told that an important document from her bank never arrived when it was sent four days prior, only to be told it miraculously appeared after proving that PM received it the day it was sent. There were too many instances of confusion, poor communication and dishonesty, not to mention condescending attitude from this officer to the point that I was ready to cancel the deal. The only reason that I did not cancel was because our seller had plans to move to Hong Kong and we were on an extremely tight time line. If it was not for her, M&T Bank would have had an additional product line from us. The crescendo to all of this was on the final day we met with our "officer" at PM. After reviewing all of the documents and getting it all organized, PM's officer let us know that we likely would not have needed the amount of information that we provided, given the sum of money in my wife's account, due to a sizable inheritance, therefore telling us that or many trips were an utter waste of time. Moral of the story is that at no point throughout our process after our initial officer (Paul Winterhalter, who should be canonized into sainthood after Father Baker), did we feel like a customer. In fact, throughout most of the process, we felt as if we were servicing PM. PM had nothing to do with us securing an offer - our real estate agent did as did our efforts towards the individual selling the home. There was a point in time where we were frustrated and were told a general manager by the name of Darlene Williams had reached out to us to gauge our feedback, yet we never and have never been reached out to. PM did not educate us and spoke to us as if we knew what they were talking about and often became frustrated when we were confused. I think we could have achieved the same interest rate and term at any other bank given what we were bringing to the table, and received a much better level of customer service and attitude. I'm sad to say that we had a poor experience and truly hope that PM takes a hard look at their professionalism, customer service, and integrity, and vows to improve their system.

They were very accommodating and helpful. Worked through the whole process with us doing everything they could to get us the loan and help us with getting a lawyer and working through the paperwork.

The Home buying process is probably the most stressful experience, especially when you run into some bumps in the road. I can honestly say that the team at Premium Mortgage, helped make my experience less stressful. Darlene Williams and Darlene Woodworth were wonderful, they communicated regularly, always responded to my calls and emails, even when they did not have an immediate answer. They assured that they would walk through the process with me, and they did. Excellent service! I would use them again in the future.

After another company severely dropped the ball, the team from Premium was there to fix the mess. The people that I worked with were always available and helpful as I went through the process and really made the difference. I would 100% recommend them to my friends or family!