We are celebrating 20 years of providing our clients with the finest in mortgage products and services.

We offer Conventional Loans, High Balance Loans, Jumbo Loans, FHA Loans, VA Loans, USDA Loans, Non-QM Loans for Self-employed borrowers such as Bank Statement Loans, Asset Depletion Loans, DSCR Loans, HELOC's (Home Equity Line Of Credit), and Construction Loans throughout California, Colorado, and Florida.

We also offer nationwide commercial loans.

We are located in beautiful Carmel, California.

Welcome to the official website of Platinum Capital Mortgage and its Broker and Owner, Michael D. Rodriguez, J.D. who is nationally recognized as America's 2nd Top Producing Loan Originator and is also recognized as "America's Top Mortgage Broker" Top Mortgage Producer - Full Rankings

Michael holds a Bachelor's degree, MBA and a Law Degree. He then continued his postgraduate education at Stanford University.

He has closed over $6 billion and counting in residential home loans and another $5 Billion in commercial loans.

In 2020, Michael closed 1,264 residential loans for $676,243,368 and another $13,250,000 in commercial loans.

He offers his clients his 28 years of extensive mortgage loan experience and postgraduate education, a myriad of mortgage resources and well-forged mortgage industry connections, creative financing solutions, very competitive WHOLESALE mortgage rates, his unparalleled and dedicated personalized service, and his accessibility to his clients. His client's interests come first and his ability to close loans is well revered and respected. 

We are a full-service mortgage company and we service ALL of California, Colorado, and Florida. We specialize in a myriad of mortgage loan products including FHA Loans, VA Loans, USDA Loans, Conventional Loans, Jumbo Loans, NonQM Loans and Commercial Loans, to name a few. We also provide commercial loans throughout the United States.

Whether you are buying a home or refinancing residential property in California, Colorado, or Florida, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment on your refinance. We offer residential loans up to $30 Million for a single property. In addition, we also offer commercial loans for properties throughout America. 

In terms of our Purchase Loan programs, we offer the following:

Refinancing? We can help you with that, too!

We offer a wide range of refinancing options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

Platinum Capital Mortgage also offers the following niche programs: Bank Statement Loans for the Self-Employed, First-Time Homebuyer Home Loans, Reverse Mortgages, Private Money Loans, Construction Loans, Commercial Loans, and Niche Loans.

Contact Michael Rodriguez at Platinum Capital Mortgage today at (831) 229-1116 to discuss your mortgage loan options, and find out which loan program will best suit your needs. You can also email Michael at michael@platinumcapitalmortgage.com

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Awards