California Platinum Loans California Platinum Loans

Fahad Karamat started California Platinum Loans after being in the Real Estate industry for over 14 years.  Working with buyers and sellers of both residential and commercial real estate Fahad saw the many hurdles and issues that often faced all parties in the transaction. These issues included but were not limited to communication or lack thereof, understanding and meeting deadlines, between realtors, mortgage brokers, mortgage lenders, escrow officers, title officers, and principals such as buyers and sellers.

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Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.

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Applying for a mortgage can be overwhelming with all the requests, forms, and procedures. Add in some terms like WVOE — Written Verification of Employment — and it could be even more confusing. We decided to clear a bit of this information up for you. You don’t always need a WVOE to get a home loan. WVOE is another term for Fannie Mae’s Form 1005, a standard form that has been given out for years to verify employment status and income when qualifying borrowers for mortgages.

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We’re making getting a mortgage is easier than ever before. California Platinum Loans has an experienced team of brokers on staff. Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.



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Online real estate service zillow has a home buying program in 24 states. It stopped the program on march 23, 2020, due to covid-19. As the pandemic has continued, home buying and selling have been changed in every state, including ones with no “stay at home” or “shelter in place” orders. In california, after initial disruption due to covid-19, by the last week of march.

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If you have an FHA loan, you may be getting tired of paying mortgage insurance every month in addition to your house payment and property taxes. There are so many advantages to FHA loans, but they do require you to pay mortgage insurance, sometimes called MIP (mortgage insurance payments). On a conventional mortgage, mortgage insurance can also be called PMI (private mortgage insurance). 

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