All About Patrick

I am a real estate financing expert, passionate about helping people navigate the complex waters of mortgage financing. Leveraging my 30+ yrs experience in helping consumers, I am always seeking to make a broader impact in my community through education and support of those who are seeking fiscal literacy and debt management tools in order to become homeowners.As the son of immigrants, I deeply understand the value of hard work in order to provide a better life for your family and achieve the American Dream of homeownership.  I found that in the mortgage business I can help the people in my community by guiding them down the path to own their home.Starting in the business as a loan processor and then an underwriter, I mastered the nuances of lending guidelines and massaging an application into a workable financing structure that met strict lending requirements. It has been in my role as a Loan Officer where I came to truly understand how to also meet the needs of the client.  I learned to reduce first time home buyers’ stress and give them the confidence they needed to buy a home and manage their debt by delivering clear and constant communication.In my practice I have found that identifying problems when they occur is not enough in the current environment, you must also have the foresight to see them coming and to plan a way to overcome them. I call it playing the “real estate chess game” where we must think a few moves ahead and be prepared to execute a plan of action when issues arise. Creating business systems and assembling a team of colleagues to consistently deliver those solutions to clients so they have a memorable experience and happily return as repeat clients. As seen by reviews and testimonials these clients become advocates for my practice by introducing us to new relationships that need our services. Providing the consistent, clear, and concise written and verbal communication to educate and update consumers about the financing process before, during, and after closing has been what I have become known for, and it is the foundation to building a business built on referrals.My deepest satisfaction has come from bringing others together in the industry, with the heart of a servant leader, teaching and sharing the lessons I have learned with other professionals so that we can all work together supporting consumers. In this industry I have found my natural ability to be able to help people, to build solid solutions and viable action plans to work through financial hurdles to realize the goal of homeownership.See what Patrick’s clients have to say about their experiences working with him on his Zillow review page: CLICK HERE (Zillow account or login not required)

VA MPS’s (minimum property requirements)

Minimum Property Requirements (MPR's) for VA home loans. While this is not an all-inclusive list, it may help identity most of the major issues that can show up on an appraisal for VA financing.

Shopping for a rate? Heres how to do it the right way

If you're shopping for the "best" financing terms, use this guide to make sure you're asking all the right questions.

Home Sellers Guide

There’s a lot going on in the housing market this season, and you may have some questions about selling your house. In this guide are a few of the top things you may be wondering about, and the answers that can help you make a confident, informed decision.

Home Buyers Guide

With so much recent change in the housing market, you probably have questions about what it all means for your homebuying plans this spring. Check out this guide to help get some answers

First Home Buyer guide

Buying a house can feel like a daunting task. It involves a lot of different factors, including everything from loan qualification and credit checks to appraisals, legal contracts, and more. It can all feel a little unapproachable, especially if you’ve never done it before. But it doesn’t have to be that way.

Why so much paperwork?

Why do we need so much paperwork

Understanding rate quotes

Understanding Rate Quotes

Do’s & Do Not’s during an application

List of what to do and what not to do while applying for mortgage financing

Mortgage Process Flow Chart

Flow chart overview from preapproval to closing