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 I need a loan broker in the future. read more

called today to get my 1098. First person at the Rochester office had no idea whom to talk. Tried three other locations, two did not answer at all. Third location answered and put me into voice mail. its Thursday at 3pm really? Scott Sullivan called me back from Rochester from the first call. send an email to Kristin Thorton which was great. In the email he ask her if she is the person to provide this. Really? So he does not know? Disorganized mess! read more

I have never experienced a more disorganized and seemingly insincere service. I was in the dark the entire process unless I hounded multiple people for answers. I anticipated buying a house would be stressful but I didn't know I wouldn't have any information or answers through out the process. As a single, first time home buyer, I was vulnerable and anxious. As a nurse, maybe I'm a little biased considering the responsibility my job holds, but housing is very important too. I know things happen but peoples lives and your duty to fulfill your job doesn't stop. read more

After working with them I regret not going with my Bank. They ask for documentation but do not provide a template or adequately explain what is needed. THen they delay and come to you last second to tell you what they need, by email and will still not pick up the phone to call you to make sure everything is clearly understood. If I had it to do all over again I'd have seen if my bank had an interest rate I could live with or paid cash to avoid dealing with this company read more

The only positive thing I can say is that Premium Mortgage did eventually fund the purchase of my home, although not without much ado - this is the only reason they got 2 stars. The problem, at least with the agents with which I interacted, "Carissa" and "Renee," is that they are arrogant assholes. I was preapproved for my home loan, but "preapproved" apparently doesn't really mean anything at all to them other than, "not immediately rejected." You should expect to TURN OVER YOUR ENTIRE IDENTITY to this company day after day, after day, after day. And just when you think that you've given them every detail of your personal and financial being, expect them to ask for more, and then expect them to ask for more, and more. Then as soon as you've turned it all over, YOU'LL MOVE ON TO THE NEXT REPRESENTATIVE who will again ask you for every detail, every document, every aspect of your identity to be uploaded ALL OVER AGAIN to yet another document drop as if, you had never given them anything to begin with. WHY? Why indeed does the next rep have absolutely no idea of the multitudes of documents you've already submitted? And when you call them out on it, they magically can make them available to the next rep, but then they ask you again for other documents you've already posted, and again... Moving on... these people held up the closing - YES, THEY HELD UP THE CLOSING OF MY HOME IN PROGRESS - just to get me to hand over yet another paystub (my most recent paystub) because they were afraid that I had quit my job on or about the day of closing. The sad thing in their logic, besides the fact that I HAD NOT BEEN UNEMPLOYED IN OVER 25 YEARS was that my most recent paystub would not have proven that I was still employed, as the pay period for that document was 10 days prior to closing. In other words, I could have quit my job 9 days before closing, and yet THEY HELD UP THE CLOSING until I provided my last paystub because they were not satisfied with their resources to confirm my employment on the day of closing. Me: I'M A PROFESSIONAL ENGINEER WHO HAS NOT BEEN UNEMPLOYED IN OVER 25 YEARS... them: "we think you might have quit your job because sometimes people do that." (yes, that is literally what they told me) The entire room, both parties, shook their heads saying, "what part of 'ready to fund' do they not understand?" So, if you want to hand over every detail of all your financial self (bank accounts, investments, etc.) on demand ad infinitum, and if you want arrogant twits behaving as if they are better than you- dangling your home purchase before you like the proverbial carrot, demanding every detail of your financial self every day... and if you want to be treated as third-class or worse to be funded for your home, then choose Premium Mortgage. But if you're better than that- and you know that you are... go with ANYONE ELSE. read more

I met Tyler Smith through my realtor. I was an out of state investor, didn't know anyone in Rochester, saw a couple of properties on Realtor.com, did a virtual tour, and made an offer. Tyler worked on my loan and approved me for both properties. Closed in 2.5 months! Never met my realtor, Jess Peters or Tyler Smith until after we closed escrow. It was the best transaction ever! Everything virtual! read more

We did not have a good experience with Premium Mortgage of Rochester. The loan officers were not customer service oriented and did not reply to our phone calls. We finally had our realtor call in order to get an update. Most of the issues were at the end of the process when it came time to close. Our issues are too many to list here so I am sending a letter of complaint to a Manager. An already stressful situation became more stressful by going through Premium Mortgage of Rochester. read more

My experience with Premium Mortgage has been great! This was my third mortgage with Premium Mortgage. The excellent customer service that I have received has made the process smooth and stress-free! I will continue to use Premium in the future! read more

Awful. You couldn't pay me to use them again. It is a week after my proposed closing date and still nothing. They wouldn't even answer my email until my realtor got involved. It's like they forgot I existed. Now thanks to them I have to move back to my parents house then to my house. Will never suggest this company to anyone. read more

We used Premium to finance the purchase of our first home. Premium mortgage provided us with the most competitive mortgage rate and were able to complete our mortgage in just over one month (from application to close). Sales team was excellent and extremely responsive. Our contact for the next step/underwriting was not as responsive and we found ourselves contacting our sales rep frequently to have our questions answered. Our overall experience was positive and we would recommend to others in the area. read more

The absolute worst, incompetence and unprofessionalism reign supreme with Premium Mortgage Company. In all of my other three home purchases combined I have never encountered such difficulties and stress as I had with Premium Mortgage. I was preapproved the first week of February of 2020 and by the first week of April 2020 still had no loan!? I was told I could not qualify for a conventional loan and need to go with an FHA though I had a rising guaranteed retirement income, 20% down, and an 800+ credit score. They constantly required additional information and even demanded a year of bank statements from my child! Their loan offer included a high interest rate, a high down(way over 20%), and high fees. I refused the "offer" and obtained a conventional loan from a nationwide bank with a lower interest, lower down, and lower fees in just over two weeks time saving many thousands of dollars in the process. Avoid Premium Mortgage at all costs.... read more

Everyone always talks about how stressful the process of buying a home is. Steve D'Amico made the process easy and stress free. He carefully explained our options and helped us make the best decision for our situation. It is clear that Steve cares about his clients; he even met with us 'after hours' due to our hectic schedules and responded to text messages and emails almost immediately (even when he was on vacation!). Thanks to Steve, we were approved for our mortgage and able to close on our house in just over 5 short weeks...pretty incredible! I highly recommend Premium Mortgage, and especially Steve D'Amico. Emma Kennedy also assisted with our mortgage. Like Steve, she is very organized, detail oriented, friendly, and was willing to meet on weekends/evenings. read more

Premium Mortgage is fantastic! We worked with Lisa Roberts on our last two home purchases - she is thorough, has an incredible response time (even nights and weekends!), and always was able to give us the answers we needed. Emma Kennedy was also outstanding, giving us detailed lists of every item (and there are so many these days) needed to close, and even going so far as to give me a tip (which worked) for how to quickly get an updated statement from my bank. These ladies were truly fantastic and I would and will recommend them to everyone. Thanks so much for making a very stressful experience much less stressful! read more

I was buying a house and tried calling my bank and ended up in an endless voicemail maze, you know the deal press 1 for English 2 for German 3 for Indian. Needless to say my agent suggested that I call Premium and to start off I actually got to speak to somebody. Got pre-approved and my offer got,accepted because I was competing with two other offers. Not sure if its true but the agent told me that one of the other offers was a little more but the other agent advised her clients to take mine since Premium was reputable in the real estate community. Anyways somebody from my bank calls me back two days later and gives me the sales pitch. Turns out the rate was the same but the service was not even close. Stuck with my rep at Premium (Karen) and it went relatively smooth not withstanding all the documentation you have to provide to get a mortgage. They get my thumbs up. read more

Terrible mortgage brokerage!! They gave a commitment letter and then proceeded to delay closing by more than two weeks asking for ridiculous letters from employers past...some more than 6 years ago!!! There are better brokers and banks out there...do your homework!!! read more

I had the pleasure of working with Karen Haberer and Courtney Mattice at Premium Mortgage. They were referred to me by my amazing realtor - Mark Siewic and team. I found the staff at Premium to be very clear communicators and to be very responsive. It was a pleasure working with them. I would definitely recommend them. read more

I had my mortgage done through Premium last year. I was a first time homebuyer and at the time it was the first I had really heard about them in Buffalo but I was pleasantly surprised. My loan officer was answering my texts at 11 pm, and the "processor" on my file kept in touch with me daily. I hope this ends up being my forever home but if I am looking for a mortgage in the future I will call them. I do recommend this company. read more

Communication is key with this process. Email and phone calls between my loan officer and processing manager offered us instant updates and allowed us to see where we were along the process. Both the loan officer and the processing manager were readily accessible and clearly laid out what I needed in order to close. All emails were answered within a business day and more frequently within the hour. All work is done in-house which makes the troubleshooting that much easier. Any issues are addressed quickly; they are a solution based company. I would gladly return if I were ever purchasing a home in the future. read more

My husband and I used Premium Mortgage for our first home purchase and they made what is a complicated process, very easy. We worked with Lisa and Sylvia and they were extremely helpful, knowledgeable, and always reachable whenever we have questions. I would definitely recommend them. read more

First mortgage in a long time, Jeannie Nasalo was our loan officer, thinks started great, found a house and wanted to put in a offer, she disappeared for 3 days, lost house to a offer, talked to her and she assured me things would be different, original house we lost, the deal fell thru, called Jeannie, she promised she would call me within a hour 4 hours went by, in the mean time we found Upstate Mortgage thru our Realtor, not only are we gonna close in 45 days, total closing costs are $2000.00 cheaper, cant comment about the rest of the company, but i would stay away from Jeannie Nassalo read more

Thanks Amy and team for a great experience! Your quick response to all of my questions and calls was very much appreciated. Not only were you folks always professional, but you were polite and patient, and never made me feel like I was just another number. You kept me updated throughout each step of the process and were quick to communicate any information you needed from me along the way. From beginning to end your team kept things moving and stayed on top of things. Thanks again and I will definitely recommend you and your team in the future! read more

I worked with Matt Secor out of the Syracuse, NY office. This was my first home purchase and as such I was unsure how things were supposed to proceed. I felt like there was not enough communication and when I voiced concerns I was treated like I was being paranoid. Nobody told the sellers that we were closing until the night before it was supposed to happen. We told the mortgage company and the agent that we wanted to make sure there wouldn't be any re-entry after the signing without us present, and that we wanted all of the keys and garage equipment prior to signing. We waited at the mortgage company for approximately an hour and a half until the seller's agent brought the keys to us. However, he brought only 2 keys and they weren't for the same lock. This sent off red flags but we were pressured into signing the documents due to the late hour. After the documents were signed and we were waiting for our copies to be made someone went by the house to check on it and discovered that the sellers were still there and still had keys. It seemed as if everyone knew what was going on except us and that they just wanted to leave so they lied to us and said everything was done. I won't say the entirety of Premium Mortgage is the same, but I would certainly not go to Matt Secor's office read more