MORTGAGE SOLUTIONS
Mortgage Guidance for
Where You Are Today
Whether you’re buying a home, refinancing an existing mortgage, investing in real estate or evaluating a specialized financing option, our team can help you understand the choices available to you.
Buying a Home
Explore mortgage options for purchasing a primary residence, second home or investment property, with guidance from pre-approval through closing.
Refinancing
Considering a refinance? Learn how different refinance strategies may affect your rate, payment, loan term, equity or overall financial goals.
First-Time Home Buyers
Understand the mortgage process, pre-approval, down payment considerations and loan programs available to first-time buyers in Oregon and Washington.
Investment Properties
Explore mortgage options for purchasing or refinancing investment real estate, from individual rental properties to borrowers building larger portfolios.
Reverse Mortgages
Learn how a reverse mortgage may allow eligible homeowners age 62 and older to access a portion of their home equity while continuing to own and live in their home.
Already Have a Mortgage Proposal?
Our Second Look service gives you another perspective before you commit. Send us your Loan Estimate or current mortgage proposal and we’ll review the financing structure, rate, costs and available alternatives.
Important reverse mortgage information
A reverse mortgage uses home equity. When the loan becomes due, some or all of your equity will have been used, and you may need to sell or transfer the home or use other assets to repay the loan with interest.
Origination charges, closing costs and servicing fees may apply, and financed charges are added to the loan balance. FHA-insured HECM loans also include mortgage insurance premiums; proprietary reverse mortgages are not FHA-insured and have different charges.
The loan balance can grow over time. Interest is charged on the outstanding balance.
You retain title until you sell or transfer the property and remain responsible for property taxes, insurance, maintenance and other required property charges. Failure to meet these obligations may make the loan immediately due and may result in a tax lien, other encumbrance or foreclosure.
Reverse-mortgage interest is not deductible on your income tax return until you repay all or part of the loan. Repayment does not automatically make the interest deductible; other tax rules apply. Consult your tax adviser.
Why Platinum Lending Solutions?
Local Experience. More Mortgage Options. Personalized Guidance.
A mortgage is more than a rate or a loan program. The structure of your financing can affect your monthly payment, cash required at closing and long-term financial plans.
Platinum Lending Solutions is an independent mortgage brokerage based in Portland, Oregon, serving borrowers throughout Oregon and Washington.
Rather than offering mortgage products from a single bank or institution, we work with multiple mortgage lenders. This allows our experienced mortgage professionals to evaluate available loan programs, financing structures and lender options based on the individual needs of each borrower.
Our goal is straightforward: help you understand your choices so you can make an informed mortgage decision with confidence.
Why Work With a Mortgage Broker?
More Options From One Local Mortgage Team
Banks and direct lenders generally offer their own mortgage products. An independent mortgage broker can evaluate loan options from multiple mortgage lenders.
That broader access can be particularly valuable because the right mortgage solution isn’t always determined by rate alone. Loan guidelines, property type, credit profile, income structure, available assets, closing costs and long-term goals can all affect which lender or program is the better fit.
At Platinum Lending Solutions, we compare available options and explain the differences so you can evaluate your mortgage based on the complete financing picture — not just one number.
A Clearer Way to Navigate Your Mortgage
Experienced Mortgage Professionals. Local Support.
Mortgages can be complicated. Having an experienced team available to answer questions, anticipate issues and help navigate the process can make a meaningful difference. Meet the Portland-based professionals behind Platinum Lending Solutions and learn more about the experience and expertise each member of our team brings to our clients.
What Our Clients Say About Working With Platinum
Our business has been built on long-term relationships, referrals and helping borrowers navigate important mortgage decisions. Read what clients have shared about their experiences working with Platinum Lending Solutions.
Have Questions About Your Mortgage Options?
Every mortgage situation is different. Tell us a little about what you’re working on and a member of our team will follow up to discuss your goals and answer your questions.
