"Frank was a master at his craft"

I worked with Frank Sardina at the Buffalo office and I couldn’t be happier with his expertise and experience. Although I have purchased a home before it was not in NY. Frank was able to walk me through the differences between states and help me understand the process of purchasing a new construction home. After the first conversation I felt at ease that I could trust him to get our house funded. Frank was also very responsive to my calls, questions and concerns. I highly recommend him to anyone purchasing in and around the Buffalo area and will be using him again if the need should arise.

"Premium Mortgage has made the refinance…"

Premium Mortgage has made the refinance process quick and efficient. This company works with your and the team to get the results you need.

"Great mortgage company to deal with"

My girlfriend and I got referred to Premium Mortgage by a friend and they did not disappoint! This is our first home purchase and it’s gone as smooth as possible and they took a lot of stress out of buying a home. Would 120% recommend them for anyone who is looking to buy a house and especially there first house!

"I cant believe how easy this entire…"

I cant believe how easy this entire process was thanks to the entire team at Premium Mortgage.
The communication was second to none! They made things hassle free and were always easy to get a hold of. They even called me just to see how everything was going and if i had any more questions even though most of our exchanges were email. It was a relief to feel like they were there for you for anything you needed.
I would highly recommend them to anyone if they are considering a mortgage.

"I regret using this company"

I regret using this company. It took one and a glad months from the time I gave them Dave documentation for the pre approval to tell me they weren't guys enough for the underwriter. When I go asked for specifics to fix it they emailed the same terse replies which were vague, but wouldn't call me or give exact requirements. Finally after I provide all the documentation, on the third try, due to their vague, non specific descriptions they ask for a picture of a check to my back that I deposited 1.5 months before, despite having the records of the transaction from troweprice and my bank. If they'd said they needed it in the beginning I might've been able to get a picture, but it's gone. One you said pre approved, they're customer service becomes garbage. They're response slows, they're emails are terse and unhelpful and they refuse to pick up there phone. Using them is the worst decision I've ever made.

"Great service"

Great service, they work hard to help people get in to their new home, I would recommend them

"From Texas to New York - You made it easy!"

Anne and Steve were amazing and supportive through the entire process. Buying a house from half way across the country was going to be such a challenge, but your team made it easy and painless. I can't thank you enough!

"Excellent guidance through the…"

Excellent guidance through the complicated process . Jane Zimmerman was kind and went above and beyond as did my loan officer Ralph Bastle !

"My first home"

Alicia Liberto and Anne Foss were so helpful during the entire process. Buying a house for the first time is stressful enough, but adding a global pandemic makes it just a little bit worse. Both of these individuals took the time to walk me through each step that was being taken, how long I could expect the process to take, and let me know if there were any hiccups along the way. I am so glad I chose Premium Mortgage, and will absolutely recommend them in the future. Thank you!!!

"Slow process, average rate, a touch of unethical behavior?"

Had a very interesting experience with Premium Mortgage. Our loan officer was Ralph Basile by recommendation of our buying agent (okay, that was probably our first mistake). As someone with a sample size of only 2 mortgages, it's hard to judge the quality of the application process, but it was definitely the worse of the two. Miscommunications and a generally slow process would be the best terms to describe the preapproval process, all for an average rate with a great credit score. All of that would still be enough to earn 3 stars, but the real kicker came after closing. We were in a fortunate situation where the loan could be paid off in full after our previous home had sold. I had contacted Ralph asking to go over the process to pay off the loan, and essentially received deflections and mischaracterizations of the terms of our loan agreement to try and prevent me from making any large payments on the loan before they could sell it off and profit. I will give credit to them though; it only took them 4 days after I said I wanted to pay off the loan for them to sell it off to Citizens One.

I don't have much positive to say about the experience, but we understand our situation was a bit different than most. What I can tell you if you do go through Premium Mortgage and pay your loan through more traditional measures is that they don't, in the year 2019, have any method of paying your mortgage online. For an average rate, poor customer service, an inconvenient payment, and some rather unethical practices when things go awry, ask yourself "Why am I going with Premium Mortgage for my mortgage?" If the answer is because your agent suggested it, know that they likely have an advertisement deal with the company and try searching elsewhere first. There are better options out there.