Do You Really Need an Agent?

Published November 19, 2020 13 Views

Do You Really Need an Agent?

We understand that the home buying process isn’t exactly common knowledge and not everyone has experience buying a house. The information is available, but it isn’t exactly the most accessible…or easily understandable for that matter. In all seriousness though; do you REALLY n...

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Credit Score Factors

Published October 6, 2020 103 Views

Credit Score Factors

We’ve all heard of credit score, right? That score that directly affects every large purchase you intend to make throughout your life. That’s a big impact. But don’t worry, we are here to help. Here’s a complete guide to understanding your credit score and how you can imp...

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What Not to Do When Buying a Home

Published September 8, 2020 187 Views

Do you know the dos and don’ts of buying a house? It’s okay if you don’t. The housing market has absolutely changed through the generations and honestly, the thought alone can be overwhelming. When you’re buying a house, there’s a few rules that you might not think of u...

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Is Forbearance Stopping Your Buyer From Qualifying? We Have A Solution.

Published July 7, 2020 683 Views

If your borrower chose to put their current mortgage in forbearance due to COVID19, the 3-month grace period that they were given is starting to end and that forbearance could prevent them from obtaining a new mortgage unless certain steps are taken.  The quickest thing your borrower can do...

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How to Stop Telemarketers

Published June 22, 2020 603 Views

The first step of any loan process is getting a credit check. Unfortunately, the credit companies take any lender pulling your credit report as “implied consent” to sell your information to other lenders. The buyer of your information already knows that you are in the market for what...

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Forbearance update (FNMA/FHLMC):

Published May 22, 2020 1547 Views

From the Desk of Mike Donoghue Fannie Mae and Freddie Mac have issued temporary guidance regarding the eligibility of borrowers who are in forbearance, or have recently ended their forbearance, looking to purchase a new home or refinance their existing home. If the borrower entered into a forb...

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Premium Mortgage Corp – May’s Blog

Published May 11, 2020 470 Views

Helpful Tips On: Flood Insurance Is your listing a flood zone? Not sure? You can easily find out online, that way you are able to take the appropriate steps to minimize risk! Check out: HTTPS://MSC.FEMA.GOV/PORTAL -       Enter the property’s address...

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Forbearance & Mortgage Payment Advice

Published April 17, 2020 572 Views

From the Desk of Mike Donoghue The recent guidance from government officials regarding forbearance and mortgage payments sounds great but the reality is somewhat different. First I will provide you with two examples that recently occurred. A homeowner hears they do not have to make their mo...

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Helpful Tips: Working from home during the COVID-19 Quarantine

Published April 7, 2020 687 Views

We understand that now can be a stressful time. We have come up with helpful tips for those that are working remotely due to COVID-19. Establish your new routine Wake up at the same time each day, being working at a set time. This will help give you a sense of normalcy in feeling like a...

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Mortgage Payments Q&A with Mike Donoghue

Published April 1, 2020 982 Views

It was announced that banks will waive mortgage payments for 90 days. What does this mean for you? New York State Gov. Cuomo and the Federal government have announced that banks will waive mortgage payments for 90-180 days. This has brought on a lot of discussion regarding mortgage lenders sta...

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Are You Being Flooded with Deceptive Junk Mail After Buying Your Home? Don’t Worry!

Published March 23, 2020 591 Views

First and foremost, congratulations on your new home! But just after you’ve finally settled in, you begin to notice that your daily mail is a little bit more robust than usual. This is not uncommon at all. Purchasing a new home as well as securing a mortgage loan brings with it junk mail in...

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Q&A Coronavirus from Mike Donoghue

Published March 17, 2020 5096 Views

From the Desk of Mike Donoghue Coronavirus Q and A March 17th, 2020 In response to the unprecedented reaction to Coronavirus and the associated impacts on employers, schools and government facilities we want to provide guidance to our real estate professional partners. I will forgo the boil...

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Premium Mortgage Corp. – December News Blog

Published December 12, 2019 645 Views

Premium Mortgage Corp. – December News Blog

What do you call a snowman party? A Snowball! Each month, Premium Mortgage Corp. releases a newsletter to real estate agents, with helpful tips and industry trends! Highlights from this month’s edition include: Mortgage 101: Investor Loan Winter Selling Tips! Premium Mortgage Corp...

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Premium Mortgage Corp. – November News Blog

Published November 15, 2019 739 Views

November is a time to give thanks and enjoy each other’s company – with a whole lot of turkey!  Each month, Premium Mortgage Corp. releases a newsletter to real estate agents, with helpful tips and industry trends for Realtors® and their clients. Highlights from this month&rs...

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September 2019 Newsletter

Published September 10, 2019 1063 Views

September 2019 Newsletter

Download The Newsletter Here Mortgage 101 INVESTOR CASH FLOW The Investor Cash Flow Mortgage allows cash flow on the subject property to be used to qualify for the new loan. No tax returns or employment information required. There is no limit to the number of financed properties. This innov...

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Premium Mortgage Growing In Syracuse

Published September 5, 2019 2376 Views

Syracuse Securities, Inc. will be handing over the reins to Premium Mortgage Corp., a mortgage industry leader in Upstate NY. SYRACUSE, NY, September 5, 2019 - Syracuse Securities, Inc., founded in 1963 by the Smith family, is completing a 44-year run as a leading mortgage lender in New York...

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Premium Makes Top Mortgage Bankers and Brokers List

Published July 18, 2019 1452 Views

Premium Makes Top Mortgage Bankers and Brokers List

Buffalo Business First released its Top Mortgage Bankers and Brokers List this month and Premium Mortgage Corporation has been ranked #2. This list is ranked by number of retail loans in 2018 and features 25 companies located in the Buffalo area. Here are Premium’s stats: Local Lo...

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Premium Wins Buffalo “Brick by Brick” Award

Published June 18, 2019 1124 Views

Premium Wins Buffalo “Brick by Brick” Award

Premium Mortgage has been awarded a “Brick by Brick” award in the New Office category for their new Buffalo office located at 4421 Transit Road. The 2019 Brick by Brick finalists were announced June 7. The winners were announced June 11 at an awards ceremony at 500 Pearl. The Buff...

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Stop Telemarketers

Published April 3, 2019 2272 Views

Stop Telemarketers

A credit check is a crucial step of the loan pre-approval process. Unfortunately, this step could open the door to unwanted attention from solicitors. When your credit information is requested by your lender, a copy is automatically added to a massive database through which competing lender c...

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Preparation Tips for Selling Your Home in The Spring

Published February 5, 2019 1125 Views

Preparation Tips for Selling Your Home in The Spring

For many homeowners, spring is a popular time to sell their houses. If you’re gearing up to sell your home this spring, here are five pointers to help increase curb appeal and overall value: Enhance the Landscaping: A neat yard is an instant eye-catcher. Keep the landscaping looking shar...

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Help Your Buyers Beat the Competition

Published May 25, 2018 1383 Views

Help Your Buyers Beat the Competition

Premium Mortgage will be rolling out two new products to help your buyers succeed in beating the competition.     Make your buyer's offer stand out in a competitive situation with product#1: In today's competitive environment, price isn't always enough to win. T...

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2018 CMAC Summer Line Up

Published May 16, 2018 2870 Views

2018 CMAC Summer Line Up

The Venue The Constellation Brands-Marvin Sands Performing Arts Center (CMAC) has released their 2018 summer line up. Keep reading tofind out what performers are coming to Canandaigua this summer. For anyone who is not familiar with this venue, it's an amphitheater located in upstate New York with a...

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Self-Employed? What You Need To Know About Qualifying For a Mortgage

Published May 9, 2018 1771 Views

Self-Employed? What You Need To Know About Qualifying For a Mortgage

There are many advantages to being self-employed, but when it comes to qualifying for a mortgage, you'll find some lenders don't typically view this work status favorably. However, although it may be more challenging and expensive to get approved when you work for yourself, it is still possible to g...

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Tips for Spring Home Buyers

Published May 3, 2018 1612 Views

Tips for Spring Home Buyers

As the days grow longer, the spring homebuying season comes into view. What can house hunters to do to prepare for buying a home and taking on a mortgage this spring? Here are three valuable tips for buying a new home this spring: Go local For the best results, pinpoint the neighborhood where you...

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3 Common Myths About Home Buying & Mortgage Rates

Published April 24, 2018 2051 Views

3 Common Myths About Home Buying & Mortgage Rates

Buying a home can be frustrating and intimidating, especially if you're relying on advice from friends and family members who purchased their homes years ago.We recommendturning to a professional instead if you want the home of the dreams and affordable mortgage rates. If you're in the market for a...

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Premium Named Top Workplace 2018

Published April 4, 2018 1610 Views

Premium Named Top Workplace 2018

Rochester, NYApril 4, 2018 - Premium Mortgagehas been awarded a 2018 Top Workplaces honor by The Rochester Democrat and Chronicle. The list is based solely on employee feedback gathered through a third-party survey administered by research partner Energage, LLC (formerly WorkplaceDynamics), a leadin...

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Home Buying Tips From The Experts

Published March 15, 2018 2248 Views

Home Buying Tips From The Experts

It's no secret that buying a home can be extremely overwhelming. Not to worry! Our experienced loan officersprovide us with useful tips to be informed about before purchasing your dream home. Keep the following suggestions in mind as you start your search: Establish a budget Based on your income an...

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Key Steps to Getting a Mortgage and Buying a Home

Published February 14, 2018 2077 Views

Key Steps to Getting a Mortgage and Buying a Home

The idea of buying a home can intimidate people and leave them feeling uncertain. To give home buyers a road map of the process and help them feel more confident, Premium Mortgage Corporation, a respectedteam ofmortgage brokerswith offices in Rochester, Albany, Buffalo, and Syracuse, NY, and Barre,...

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What Is Escrow?

Published January 30, 2018 2182 Views

What Is Escrow?

When their home loan providers mention escrow, many home buyers panic: it's a term they've heard but don't quite understand. The professionals at Premium Mortgage Corporation, which services Buffalo, Rochester, Albany, and Syracuse, New York, as well as Barre, Vermont, explain the meaning of escrow...

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Clever Closing Gifts

Published November 9, 2017 5050 Views

Clever Closing Gifts

Finding the right closing gift for your client can be tricky. You want to get them something unique and thoughtful but with all the options there are on the internet, it's easy to feel overwhelmed. Lucky for you, we've curated a list of some great closing gifts that are perfect for your clie...

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