Realtor Info
The experts in home financing

Welcome New Home Buyer!

There’s no doubt that buying a home is one of the biggest purchases you’ll make; it’s also one of the most rewarding.  To have a home and make it your own, to enjoy life’s pleasures, to build equity – those are all part of the American Dream. At Premium Mortgage, we understand this, and our dedicated and knowledgeable staff will make this transaction as smooth as possible.



Did you know that getting pre-approved for a mortgage is the first step, even before searching for a house? Most real estate agents will want you to be pre-approved before showing you houses as this is integral in having your purchase offer accepted – especially in a competitive market.

If you’re new to the home buying process, we suggest you start with our Mortgage 101, from there, use the Education tab in our navigation menu to read up on other parts of the process that will be helpful to you. We highly suggest you read the Loan Application Checklist and Home Buyer Don’ts


While we are competitive with mortgage rates, when shopping for a mortgage, please consider that rates aren’t the only important aspect to the home buying process. We are a local company with knowledge of the local markets – we have strong relationships with real estate agents, lawyers and appraisers – all of which are vital pieces in the mortgage puzzle. When push comes to shove our local relationships will be invaluable.

  • We are the actual lender that approves you.
  • We process loans locally.
  • We underwrite locally.
  • And most importantly, our loan officers and processors are easily accessible with many of our convenient local offices.


No matter which office location you’re working with, our Loan Officers and staff are knowledgeable about the nuances of your local market. We pride ourselves at keeping everything local, including our relationships with appraisers, lawyers, and even community organizations. Our Loan Officers have extensive experience in the industry and we pride ourselves in education and training.

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Yeah, we win awards...lots of them.

Rochester Top 100:
2007, 2010, 2011, 2012, 2013, 2014

Rochester’s Choice Gold:
2012, 2013, 2014
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5th Largest Veteran Owned Business by RBJ

#1 Home Mortgage Lender by RBJ:
2013, 2014
Featured Business Article in RBJ
2013, 2015
Buffalo Business First – The List: Mortgage Bankers and Brokers:
2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015