We celebrate 21 years of providing our clients with the finest mortgage products and professional and personalized service.

We offer Conventional Loans, High Balance loans, Jumbo loans, Super Jumbo loans to $30 million, FHA loans, VA loans, USDA home loans, loans for First Time Homebuyers, Investment property loans, Non-QM loans for Self-employed borrowers such as Bank Statement loans,1099 Only loans, Asset Depletion and Asset Utilization loans, Pledged Asset loans, Pay Option ARM "Cash Flow Maximizer" loans, WVOE loans, DSCR loans, HELOCs (Home Equity Line Of Credit), Home Equity loans, Bridge loans, Construction loans, Fix and Flip loans, Doctor loans to 90% LTV, Down Payment Assistance loans, SBA loans, Cross Collateralization loans, Reverse 1031 Exchange loans, 40 year fixed loans, and Interest only loans, throughout California, Colorado, and Florida.

We also offer commercial loans nationwide.

We are located in beautiful and picturesque 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 Top Mortgage Broker" Top Mortgage Producer - Full Rankings

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

He has closed over $6.5 billion and counting in residential home loans and another $5 Billion in commercial loans.

In 2023, Michael closed 1,123 residential loans for $702,380,355 and another $12,268,000 in commercial loans.

Michael is recognized by American Registry as one of "America's Most Honored Financial Professionals".

He offers his clients his 30 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, 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 serving 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 home ownership 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 offer commercial loans for properties throughout the country. 

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 meet the needs of local borrowers.  Whether you are looking for cash out, or obtain a better rate and loan term, we will 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 learn which loan program is best for you. You can also email Michael at michael@platinumcapitalmortgage.com

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