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Platinum Mortgage Company – Get Pre-Approved Today!


PMC Loan Application Process

Complete a loan application on our website – Go to

Submit the following items by Email to or fax to 866-598-9987:

  1. Email or Fax  a Completed PMC CC Authorization Form or make a payment on PayPal online ($45 charge for Pre-Approval) and  PMC Borrower’s Auth Form
  2. Email or Fax the most current 2 Years Signed/Filed Tax Returns, W2, 1099, and the most recent 30 days of Pay Stubs
  3. Email or Fax the most current 2 months of Liquid Assets Statements (Checking/Savings, CD, Retirement Accounts, Stocks…..etc.)
  4. Email or Fax A Clear Copy of A Valid Government Identity Card and Social Security Card (scanned preferred)

We do a free credit analysis for each client to get their score as high as possible before they proceed with the home purchasing process.

Employment Requirements: 2 yrs+ same line of work, self employment requires 2 yrs filed tax returns same line of work, 580+ mid FICO for FHA/Down Payment Assistance, 500+ mid FICO for 10% down FHA, 620+ for Conventional financing, fixed income that will continue for 3 yrs+, or recent college graduates who are now employed full time with a base salary for a minimum of 30 days in the same line as degree/studies.

The Loan Process

1. PMC Receives Completed Online Application and receipt of items 1-4 (above)

2. PMC pulls credit, analyze the complete application and render a credit decision.  If needed, PMC will issue a pre-approval letter and/or DU approval (24 Hours)

3. PMC emails the broker disclosures to the borrower(s) to sign and return with any additional documents requested (24 Hours)

4. PMC collects any additional required loan application documents (VOE, VOR, HOI Binder, Title/Escrow Docs, etc.) (24 Hours)

5. PMC submits the loan application to the appropriate lender once all required documents are received (complete submission is required by all lenders)

6. Lender registers the submission and issues their e-disclosures to the borrower (72 Hours)

7. Due to MDIA regulations, the appraisal may not be ordered until 4 days have passed after the lender disclosures have been emailed or after the borrower acknowledges the lender issues e-disclosures

8. PMC Receives lender approval and proceeds to clear conditions and the rate lock can be completed and docs can be requested (72 Hours)

9. Lender will re-disclose to the borrower(s) usually by email (24 Hours)

10. Once the lender has given a (CTC) clear to close the loan will go through Quality control (QC) is done with a 2nd level review by the lender/investor (48 Hours)

11. Lender clears the file for docs (48 Hours)

12. Escrow receives docs and prepares it for signing with a Notary (24 Hours)

13. The borrower(s) signs the loan documents

14. The seller signs (If Purchase)

15. Signed loan documents are sent back to the lender by Escrow (24 Hours)

16. The lenders reviews the signed docs and issues funding conditions (48 Hours)

17. PMC and Escrow will coordinate to meet the funding conditions18. Then lender funds the loan, releases the wire to Escrow (24 Hours)

19. Escrow disburses the wire and records the new lien with the county recorder’s office (24 Hours)

20. Borrowers are now officially homeowners and can receive the keys to their new home (If Purchase)

We are here to help!

Read more about our loan programs by clicking here.

Email us your loan scenario at or if you have questions about Hard Money Loans, give us a call at 800-385-3657.

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Job Opportunities? CA BRE NMLS Mortgage Loan Officers (Brokers are welcome), Real Estate Agents, & Account Executives.  Ask about our Branch Opportunities.  Now is the time to see how PMC Can Help you earn what you deserve!  Email your resume to and visit us at!

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