Your Dream Home is Just a Click Away
At Platinum Home Mortgage, we believe in a stress-free home buying process. That’s why we created our ultimate financing guide. In four easy steps, we take you through the home buying process in a way that’s simple and easy-to-understand. We know how confusing the other guys can make purchasing a home – that’s why we’re here to answer any questions or concerns you may have.
You take care of the dream home, we’ll handle the rest.
Questions? Call us at 855-738-3193
Let’s Start Here
Where are you at on your home buying journey?
I Have Found my Dream Home
Now that you’ve found your perfect home, start your application process.
I Want to Better Understand Mortgage Options
Learn all about common mortgage terms, so you can be better equipped.
What Kind of Home Buyer Are You?
Once you know what kind of buyer you are, we can help you find a loan that’s right for you!
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The first-time homebuyer will want to consider two important factors: the down payment and monthly payments.
As many first-time home buyers are often in the beginning of their careers, finding a loan that offers a smaller down payment option and less expensive monthly payment, is a great option!
The First-time Home BuyerWith an FHA loan, home buyers can put down as low as 3.5% and have a lower than average credit score.
FHA LoanA 30-year fixed mortgage will provide home buyers with a less expensive monthly payment.
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The investment buyer will typically have a higher amount to put down up front and therefore will need a more flexible term. These buyers are often looking to rent out, resell, or refurbish a property.
The Investment BuyerAn adjustable rate mortgage has a lower teaser rate and is great for those who don’t plan on keeping the mortgage for a long time.
ARMAn interest-only mortgage allows borrowers to only pay interest for a short while and is another great option for short-term home owners.
Interest Only
The experienced buyer has purchased property before and can either be looking for their second, third, or final home. Typically, the experienced home buyer will be established in their career, so they won’t always require a lower monthly payment or government-backed loan.
The Investment BuyerA 15-year fixed loan means a slightly higher monthly payment, but an overall shorter loan period.
15-Year FixedJumbo loans are often required if a home is over a certain amount and will also require a higher credit score.
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The Military buyer will typically either be a veteran looking for a modest home or an active duty member looking for a single-family home. While this may vary, we love the benefits that come with a VA loan for our service members.
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VA loans are backed by the Department of Veterans Affairs and provide certain benefits for income qualified service members like low or no down payment options.
VA LoanHow Does Refinancing work?




Understand Your Home Buying Options

Common Mortgage Terms Explained
It is time home buyers understand the ever-dreaded, over-complicated mortgage terms. When explained correctly, it’s not as scary as a first-time home buyer may think. By the end of this quick read, you will have a better understanding of a mortgage.
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Millennial Home Buyer Struggles, Industry Expert Solutions
Some say they’re killing the mortgage industry, others say they’re just too far in debt or afraid of commitment. Here at Platinum, we say Millennial home buyers are just one big misunderstanding–on both ends!
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Your Dream Home Exists with No Money Down
There are small communities that qualify for no money down and lower interest rates near your current community. You can reap the benefits of home ownership and pay no money down, all while staying right outside your favorite suburb. Start investing in your future, not your landlord’s!
Read Article28+ Years of Mortgage Experience
Licensed in all 50 States
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