Platinum Lending Solutions / Client Stories
Mortgage Case Studies
Every mortgage has its own circumstances. Explore how our team approaches financing challenges for homebuyers, homeowners and real estate investors in Oregon and Washington.
Different Circumstances. Thoughtful Mortgage Planning.
Explore the situations below to learn more about the questions and financing considerations behind each transaction.
CASE STUDY 01
Purchase After Another Lender Couldn't Close
Investment Property • Tigard, Oregon
An investment-property buyer faced a financing challenge shortly before closing after the original lender declined the loan. This case examines the circumstances and our team's approach to reviewing the transaction.Read the Case StudyCASE STUDY 02
Helping a Retired Buyer Compete Without a Home-Sale Contingency
Home Purchase • Wilsonville, Oregon
A retired buyer wanted to purchase a home near family without making the offer contingent on selling an existing home. This case explores the financing considerations behind that goal.Read the Case StudyCASE STUDY 03
How a Bank Statement Refinance Helped Self-Employed Oregon Property Owners
Refinance • Self-Employed Borrowers
When traditional mortgage qualification proved challenging, an alternative approach to documenting self-employment income helped Oregon property owners refinance a maturing private loan.Read the Case StudyCASE STUDY 04
A Second Look Helped a Veteran Homebuyer Close Three Days Early
Home Purchase • Mortgage Second Look
With fewer than 30 days until closing, a veteran homebuyer had concerns about changing mortgage terms and an unlocked interest rate. A second mortgage review led to a new financing application, a confirmed rate lock, and a closing three days ahead of schedule.Read the Case StudyCASE STUDY 05
Creating Monthly Cash Flow for a Mortgage-Free Homeowner
Reverse Mortgage • Monthly Cash Flow
A mortgage-free homeowner with limited income and delinquent property taxes needed additional monthly funds. A customized reverse mortgage strategy combined a shorter payment period with a required set-aside for property taxes and insurance.Read the Case StudyCASE STUDY 06
$1.6M Custom Home Construction Financing
Jumbo Construction • Land Refinance
A complex custom-home project required $1.6 million in financing, refinancing of a privately held land note, and customized construction draws. An unexpected employment change also required the borrowers to requalify during the financing process.Read the Case StudyCASE STUDY 07
How Down Payment Assistance Helped Two Buyers Bridge the Gap to Homeownership
Home Purchase • Down Payment Assistance
Two buyers had savings but needed help covering the full upfront cost of buying a home. Down payment assistance through a second mortgage, seller contributions and their own funds helped both buyers complete their purchases.
Read the Case StudyFacing a Similar Mortgage Situation?
If you have received conflicting information, encountered a financing challenge or want to explore your mortgage options, contact Platinum Lending Solutions to discuss your circumstances.
These case studies describe individual transactions. Results do not guarantee approval, rates, costs or closing timelines for other borrowers. All financing is subject to applicable qualification and underwriting requirements. Verify Platinum Lending Solutions — NMLS Consumer Access.
