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Premium Mortgage is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 4.6 out of 5 stars. Last reviewed May 16, 2025.
I had a solid experience with Premium Mortgage. Their team was responsive and helpful throughout the process. A few hiccups here and there, but overall a great choice for mortgage needs!
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 the need should arise.
Premium Mortgage has made the refinance process quick and efficient. This company works with your and the team to get the results you need.
My girlfriend and I got referred to Premium Mortgage by a friend and they did not disappoint! This is our first home purchase and it’s gone as smooth as possible and they took a lot of stress out of buying a home. Would 120% recommend them for anyone who is looking to buy a house and especially there first house!
I cant believe how easy this entire process was thanks to the entire team at Premium Mortgage. The communication was second to none! They made things hassle free and were always easy to get a hold of. They even called me just to see how everything was going and if i had any more questions even though most of our exchanges were email. It was a relief to feel like they were there for you for anything you needed. I would highly recommend them to anyone if they are considering a mortgage.
I regret using this company. It took one and a glad months from the time I gave them Dave documentation for the pre approval to tell me they weren't guys enough for the underwriter. When I go asked for specifics to fix it they emailed the same terse replies which were vague, but wouldn't call me or give exact requirements. Finally after I provide all the documentation, on the third try, due to their vague, non specific descriptions they ask for a picture of a check to my back that I deposited 1.5 months before, despite having the records of the transaction from troweprice and my bank. If they'd said they needed it in the beginning I might've been able to get a picture, but it's gone. One you said pre approved, they're customer service becomes garbage. They're response slows, they're emails are terse and unhelpful and they refuse to pick up there phone. Using them is the worst decision I've ever made.
Great service, they work hard to help people get in to their new home, I would recommend them
Anne and Steve were amazing and supportive through the entire process. Buying a house from half way across the country was going to be such a challenge, but your team made it easy and painless. I can't thank you enough!
Excellent guidance through the complicated process . Jane Zimmerman was kind and went above and beyond as did my loan officer Ralph Bastle !
Alicia Liberto and Anne Foss were so helpful during the entire process. Buying a house for the first time is stressful enough, but adding a global pandemic makes it just a little bit worse. Both of these individuals took the time to walk me through each step that was being taken, how long I could expect the process to take, and let me know if there were any hiccups along the way. I am so glad I chose Premium Mortgage, and will absolutely recommend them in the future. Thank you!!!
Had a very interesting experience with Premium Mortgage. Our loan officer was Ralph Basile by recommendation of our buying agent (okay, that was probably our first mistake). As someone with a sample size of only 2 mortgages, it's hard to judge the quality of the application process, but it was definitely the worse of the two. Miscommunications and a generally slow process would be the best terms to describe the preapproval process, all for an average rate with a great credit score. All of that would still be enough to earn 3 stars, but the real kicker came after closing. We were in a fortunate situation where the loan could be paid off in full after our previous home had sold. I had contacted Ralph asking to go over the process to pay off the loan, and essentially received deflections and mischaracterizations of the terms of our loan agreement to try and prevent me from making any large payments on the loan before they could sell it off and profit. I will give credit to them though; it only took them 4 days after I said I wanted to pay off the loan for them to sell it off to Citizens One.I don't have much positive to say about the experience, but we understand our situation was a bit different than most. What I can tell you if you do go through Premium Mortgage and pay your loan through more traditional measures is that they don't, in the year 2019, have any method of paying your mortgage online. For an average rate, poor customer service, an inconvenient payment, and some rather unethical practices when things go awry, ask yourself "Why am I going with Premium Mortgage for my mortgage?" If the answer is because your agent suggested it, know that they likely have an advertisement deal with the company and try searching elsewhere first. There are better options out there.
I have dealt with Amy Bell in the past so understandably she and her team were my first go to. Amy and her team are professional knowledgeable and put their client first and foremost. I highly recommend their services to anyone seeking guidance, options and a job well done. I can't thank them enough.
We felt things were handled very professionally and promptly! We were bothered VERY minimally and rarely (if at all) inconvenienced or put on a "last minute" spot! Everyone was so friendly. At times it seemed as if I was speaking to someone I've known for years but actually never met. We even ran into an issue with the home sale and Premium Mortgage gave us no problems with adjusting the sale price. I highly recommend this company!
Exceptional experience, from start to finish. Cannot say enough positives about Amy Bell and her team. They were extremely knowledgeable, always quick to respond, very patient in explaining the specifics and stepping us through the process. Highly recommend.
When I decided to buy my first home, I didn't know where to start. The first mortgage broker company I called practically laughed in my face when I said I only had about $5,000 to put down. "You'd be looking at a $20,000 house and we don't work with houses priced so low," he said to me. It was a blatant lie that with $5,000 down I could only get a $20,000 house. Luckily, I found Premium Mortgage. My loan officer, Brian Kalwicki, was absolutely amazing throughout the entire process. He was so knowledgeable and answered all my questions with the patience of a saint. He was available to me through email, phone, or text message at all times. I never felt like I couldn't get in touch with him or that he wasn't being responsive to me. He immediately told me about the SONYMA down payment assistance program, which allowed me to eventually buy a 140k house with about 7k down. That house, by the way, was the third one that I started the mortgage process with, and Brian was there for me through all the ups and downs. He was also the one who recommended my realtor, Adrianna Redman (Howard Hanna) who was also amazing. Home buying is one of the most stressful, insane processes out there, and Brian was able to guide me through it and bring sanity to the entire process. I also worked with David Popham as my mortgage processor, and he was wonderful as well. I can't recommend them or Premium Mortgage enough.
Premium mortgage was great. Specifically Rebecca and Jolene. Jolene was quick to give me a pre-approval and take her time to answer all my questions. Rebecca handled the communications and documentation portion once an offer was accepted on my home. She answered my questions very quickly and kept me up to speed on the process. This was all around the best experience with a mortgage company I've used.
Premium mortgage was great to deal with, i worked with Laurie from the Rochester location, she worked hard to get the loan to close in a timely fashion. thank you again for all the hard work.
Sayuko and Rebecca were awesome! They made the process quick and easy. They went out of their way to ensure my needs became a priority to them. Thanks premium mortgage!
My overall experience as very quick and pleasant. Everything went smooth and my loan officers were great.
I wanted to say thank you so much Sayuko Oishi for your great customer service, Sayuko was always responsive and answered any questions I had even if it was after hours. Sayuko handled my mortgage in a timely manner, as I had little time to close on my house. Sayuko assured me she could get me a mortgage and followed through with everything she said she would initially do. I am honored to have worked with Sayuko and Rebecca. Thank you so much for giving me my dream of owning my first home. 🏡 I can’t thank Premium mortgage team enough!
According to TrustPlane, Premium Mortgage has a 4.6/5 rating based on 50 verified reviews as of April 2026. Source: trustplane.app/company/premiummortgage-com
