Mortgage Lender in Rochester, New York

Looking for a trusted mortgage lender in Rochester, New York? As our corporate headquarters, Premium Mortgage has been helping homebuyers across the Greater Rochester area and the Finger Lakes region finance their homes since 1999. Our local team combines competitive rates, a wide range of loan programs, and real, one-on-one guidance from loan officers who know the Rochester market. Our Rochester headquarters at 2541 Monroe Ave serves buyers, homeowners, and real estate partners throughout Monroe County, including Rochester, Brighton, Pittsford, Penfield, Greece, Irondequoit, Fairport, and the surrounding communities. Whether you’re purchasing your first home, moving up, refinancing, or investing, we’re a short drive away and always ready to help in person.

Home Loan Programs in Rochester

Every homebuyer’s situation is different, so we offer programs built to fit yours. Our Rochester loan options include first-time homebuyer programs, low down payment options, government-backed loans (FHA, VA, and USDA), and conventional loan options. We’re well-equipped to help Greater Rochester buyers take advantage of SONYMA and other state-sponsored programs designed to make homeownership more affordable.

First-Time Homebuyers in the Rochester Area

Buying your first home in Rochester should feel exciting, not overwhelming. Our local loan experts walk you through each step, from estimating your monthly payment to getting pre-approved, so you can shop with confidence and make a competitive offer. We’ll also help you explore down payment and closing cost assistance, including grants and other programs available to buyers in eligible communities.

Refinancing Your Rochester Home

If you already own a home in the Rochester area, refinancing may help you lower your monthly payment, shorten your loan term, or tap into your home’s equity. Our team will review your goals and run real numbers so you can decide whether refinancing makes sense for you.

Why Choose a Local Rochester Lender

Working with a local lender means you get someone you can actually reach, and even visit, when questions come up. At Premium Mortgage, we pair easy-to-use digital tools with real human guidance at every step. As a company deeply rooted in the community since 1999, we’re proud to support local families, organizations, and youth sports throughout the Greater Rochester area. To us, a mortgage isn’t just a transaction; it’s a partnership for life. Ready to get started? Apply online in minutes or connect with a Rochester loan expert today.