315-635-5892     888-525-7335

NMLS #: 1018489

Registered Mortgage Broker New York State Department of Financial service All Mortgages arranged with third party providers

Upstate Premier Mortgage, Inc. BBB Business Review





Upstate Premier Mortage

Upstate Premier Mortgage of Baldwinsville opened its doors in August 2013, with the concept of providing exceptional customer service and has been growing and expanding since. We are a neighborhood business supporting the needs of our customers. We pride ourselves on continuing and developing strong customer relationships. Our loan officers are all licensed loan originators, licensed with the State of New York. All loan originators take part in continuing education to ensure they are prepared with the most up to date information to provide you with the best products available and the best experience possible. Upstate Premier Mortgage Inc. is approved to work with many banks. What that means for you is that we will find the product to best serve your needs.

Community

Baldwinsville Christmas Bureau   Cell Phone for Soldiers
 
We collect items at our Baldwinsville Office   We collect phones at our Baldwinsville Office

Our Services

Below is an explanation of some of the many services we provide. Contact us if you don't see what you are looking for as we may have options for you.

FHA Loan

An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan.


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Fannie Mae Loans

Because it's not part of the primary mortgage market, all Fannie Mae loans actually come from outside lenders. Fannie Mae routinely buys mortgages from banks and other private lenders, puts them together and turns them into mortgage-backed securities.

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Fixed Mortgage Rate

A 30-year fixed mortgage is a loan whose interest rate stays the same for the duration of the loan.




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Freddie Mac Loan

The Federal Home Loan Mortgage Corporation (FHLMC), known as Freddie Mac, is a public government-sponsored enterprise (GSE), headquartered in the Tyson's Corner CDP in Fairfax County, Virginia. The FHLMC was created in 1970 to expand the secondary market for mortgages in the US.

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Mortgage Brokers

A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses.





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203K Rehab Loan

The 203K loan is a type of FHA loan. It can be used for an entirei rehab of a property or just a few select repairs. There are actually 2 types of 203K loans, one is refered to as a streamline 203K and is for rehab costs that are less than $35,000 and have a few limitations that a full blown 203K does not.

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Refinance Home Loan

Getting a new mortgage to replace the original is called refinancing. Refinancing is done to allow a borrower to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage.

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Rural Development Loan

A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.

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Veteran Administration Loans

A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The loan may be issued by qualified lenders.




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Locations

Baldwinsville, NY

Phone: 888-525-7335  315-635-5892 Fax: 315-635-5894

Chili, NY

Phone: 888-525-7335  585-247-4610 Fax: 585-571-4522

Fishers, NY

Phone: 585-869-0222

New Hartford, NY

Phone: 888-792-8021  315-792-8021 Fax: 315-792-0002

Hollywood, FL

Phone: 888-525-7335

Waxhaw, NC

Phone: 888-525-7335

Baldwinsville

Upstate Premier Mortgage of Baldwinsville opened its doors in August 2013, with the concept of providing exceptional customer service and has been growing and expanding since.

57 E. Genesee St
Baldwinsville, NY 13027

888-525-7335
315-635-5892
315-635-5894 (fax)

NMLS#: 1018489

Registered Mortgage Broker New York State Department of Financial Services All Mortgages arranged with third party providers

Meet the Team

Our staff is dedicated to work with you and provide the best service possible.

K. Bond

Keith Bond

President
315-635-5892 ext. 32 (office)
315-382-2240 (cell)
NMLS # 58562
kbond@up-mortgage.com

D. Holzhauer

Dan Holzhauer

Area Manager
315-635-5892 ext. 21 (office)
315-730-0483 (cell)
NMLS # 54742
dan@up-mortgage.com

M. Holzhauer

Mark Holzhauer

Sales Mgr/Sr Mortgage Consultant
315-635-5892 ext. 20 (office)
315-561-9580 (cell)
NMLS # 55997
mark@up-mortgage.com

Reviews on Zillow
M. Zaffarano

Miki Zaffarano

Administrative Assistant
315-635-5892 ext. 10 (office)
mikiz@up-mortgage.com

K. Antenucci

Kimberly Antenucci

Loan Originator for NY/FL
585-261-1010 (cell)
NMLS # 1145867
kim@up-mortgage.com

W. Frick

Wayne Frick Jr.

Sr Mortgage Consultant
315-635-5892 ext. 37 (office)
315-484-3168 (cell)
NMLS # 1060327
wayne@up-mortgage.com

P. Caspari

Pete Caspari

Sr Mortgage Consultant
315-635-5892 ext. 25 (office)
315-247-1394 (cell)
NMLS # 279092
petec@up-mortgage.com

Reviews on Zillow
W. Solomon

William Solomon Jr.

Sr Mortgage Consultant
315-635-5892 ext. 18 (office)
315-378-6757 (cell)
NMLS # 60694
williams@up-mortgage.com

J. Card

Jesse Card

Sr Mortgage Consultant
315-635-5892 ext. 23 (office)
315-406-5284 (cell)
NMLS # 58596
jesse@up-mortgage.com

P. Bojlevski

Petar Bojlevski

Sr Mortgage Consultant
315-635-5892 ext. 30 (office)
315-263-3052 (cell)
NMLS # 54430
petar@up-mortgage.com

Reviews on Zillow
D. O'Leary

Deborah O'Leary

Sr Mortgage Consultant
315-635-5892 ext. 19 (office)
315-427-5593 (cell)
NMLS # 35600
debbie@up-mortgage.com

K. Phillips

Kim Phillips

Processor/Loan Originator
315-635-5892 ext. 28 (office)
315-720-5770 (cell)
NMLS # 159475
kphillips@up-mortgage.com

K. Cobb

Kelly Cobb

Processor
315-635-5892 ext. 41 (office)
kelly@up-mortgage.com

S. Bomd

Sara Bond

Loan Originator/Customer Relations
315-635-5892 ext. 14 (office)
315-400-7574 (cell)
NMLS # 1630757
sara@up-mortgage.com

Chili

3313 Chili Ave
Rochester, NY 14624

888-525-7335
585-247-4610
585-571-4522 (fax)

NMLS#: 1018489

Registered Mortgage Broker New York State Department of Financial Services All Mortgages arranged with third party providers

Meet the Team

Our staff is dedicated to work with you and provide the best service possible.

K. Schuman

Kevin Schuman

Branch Manager
585-247-4610 (office)
585-615-2330 (cell)
NMLS # 58604
kevin@up-mortgage.com

Fishers

7635 Main St
PO box 753
Fishers NY 14453

585-869-0222

NMLS#: 1018489

Registered Mortgage Broker New York State Department of Financial Services All Mortgages arranged with third party providers

Meet the Team

Our staff is dedicated to work with you and provide the best service possible.

J. Drader

Jeremy Drader

Manager/Mortgage Loan Originator
585-869-0222 (office)
NMLS # 67767
jdrader@up-mortgage.com

K. Ahearn

Kathy Ahearn

Mortgage Loan Originator
585-869-0222 (office)
NMLS # 8064
kathy@up-mortgage.com

D. Leonardo

Donna Leonardo

Mortgage Loan Originator
585-869-0222 (office)
NMLS # 64723
donna@up-mortgage.com

New Hartford

66 Genesee St
New Hartford, NY 13413

888-792-8021
315-792-8021
315-792-0002(fax)

NMLS#: 1018489

Registered Mortgage Broker New York State Department of Financial Services All Mortgages arranged with third party providers

Meet the Team

Our staff is dedicated to work with you and provide the best service possible.

J. Cahill

James Cahill

Branch Manager
315-792-8021 ext.14 (office)
315-382-8021 (cell)
NMLS # 64596
jimc@up-mortgage.com

D. D'Amico

David D'Amico

Senior Loan Officer
315-792-8021 (office)
315-749-4248 (cell)
NMLS # 61741
damico@up-mortgage.com

M. Orcutt

Mary Sue Orcutt

Senior Loan Officer
315-792-8021 (office)
315-868-7375 (cell)
NMLS # 60714
msorcutt@up-mortgage.com

M. Bambara

Michael Bambara

Senior Loan Officer
315-792-8021 (office)
315-725-9343 (cell)
NMLS # 34100
mbambara@up-mortgage.com

B. Abele

Blake Abele

Loan Originator
315-792-8021 (office)

NMLS # 556647
blakea@up-mortgage.com

W. Gaspa

Wendy Gaspa

Processor
315-792-8021 (office)
wendyg@up-mortgage.com

Waxhaw

Upstate Premier Mortgage is now open in North Carolina. Our North Carolina customers receive the same exceptional service that our New York customers have grown accustomed to.

105 E. Waxhaw Professional Park Dr.
Suite 600
Waxhaw, NC 28173

888-525-7335

NMLS#: 1018489

Registered Mortgage Broker North Carolina Commissioner of Banks Office All Mortgages arranged with third party providers

Meet the Team

Our staff is dedicated to work with you and provide the best service possible.

K. Bond

Keith Bond

President
315-635-5892 ext. 32 (office)
315-382-2240 (cell)
NMLS # 58562
kbond@up-mortgage.com

D. D'Amico

David D'Amico

Senior Loan Officer
315-792-8021 (office)
315-749-4248 (cell)
NMLS # 61741
damico@up-mortgage.com

Hollywood

Upstate Premier Mortgage is now open in Florida as Hollywood Premier Mortgage. Our Florida customers receive the same exceptional service that our New York customers have grown accustomed to. Visit our Florida website at www.hp-mortgage.com

Hollywood, FL

888-525-7335

NMLS#: 1018489

LOCAL WEBSITE:

www.hp-mortgage.com

Registered Mortgage Broker Florida Office of Financial Regulation All Mortgages arranged with third party providers

Frequently Asked Questions

 I have had credit problems recently (or in the past) - will you be able to help me?
Because we do work with so many banks, we are often able to work with credit problems.

 Are there any costs to apply?
No, we do pre-qualifications for free.

 Can I apply on the phone?
Yes we can take an application over the phone. Contact the office nearest you.

 What are your rates?
The rates vary, depending on credit & programs. We have over 40 lenders each with dozens of programs and rates.

 Are there any closing costs?
There may be costs involved - for example attorney fees, appraisal fee, credit fees, title ins., state tax, etc. Most or all costs can be financed into the loan.

 Do you have any no cost loans?
They are available loans, but they may cost you more in the long run.

 How much money will I need?
In most cases an appraisal is needed this is an out of pocket expense, but we don't order it until we are very comfortable that we have found you a lender that has what you want.

 Why do I have to pay for the appraisal?
For 3 reasons, 1. An appraisal is provided by an outside vendor 2. We have it back to us usually in 24-48 hours. 3. Also, makes a commitment on your part.

 What banks do you use?
We work with over 40 banks, which is why we are able to offer various programs.

 What do I need to do?
Start with filling out the application so we can do an express application on the phone and give you an idea of what we can do usually, within hours.

 How long does this take?
Every deal is different. If you can get your required docs to us ASAP, we can probably close in 30-45 days. If we have to clear up unexpected hurdles, sometimes the process can take longer, but you are kept up to date every step of the way. Some Specialty programs may take longer due to high volume by the lender, this is unusual but does happen.

 How can I speed up my deal?
Make use of fax machines and express mail to get any required documents to us as soon as possible. Feel free to call us or e-mail us as soon as you have a question. All our loan officers have e-mail

 Can I apply on the phone?
Because we do work with so many banks, we are often able to work with credit problems.

 Can I apply in person?
Yes. Call for the office nearest you!

 Can someone come to my home for an application?
Yes, often we can visit you right at home and meet you face to face. This of course depends on your location and the schedule of your loan officer. Often the bank attorney can close your loan at your home also.

Happy Clients

What some of our clients are saying.

It may have taken over a year to find the right home, but with Jesse Card's help I just closed on my first home yesterday. Jesse was my first call when a home caught my attention, and has been by my side through the entire process. I couldn't have imagined going through all this without him. I would recommend him to any and everyone.

Brittany Edmonds

Got our first home through them they are awesome!

Kelly Harlow

We finally own our own home, we closed yesterday!! It took an army to get us here and we appreciate you all immensely, I want to send out a special thank you to Jesse for leading the charge, words can't even describe how much you did for us. It was a rough road, but we made it. We not only gained a home, we gained a friend!! Thank you!!

Kim Sullivan

Contact Us

Baldwinsville, NY

888-525-7335