Refer Patrick Morales, Mortgage Loan Officer, NMLS#904228
Getting a mortgage is not easy. I have the experience to get things done. For my clients to achieve a smooth and worry-free lending experience, I work hard to stay organized and to solve problems on a daily basis. I find the challenges this industry offers to be intriguing, and my favorite rewards are my satisfied clients.
For the last seven years I have not had a loan declined. The reason being that I know what I can do and what cannot be done. If the loan will not get approved, I will tell my clients upfront, not two days before closing. The regulated mortgage industry requires a tremendous amount of documentation. It can be a very frustrating situation for a client. My goal is to minimize the hassle by explaining what is needed upfront and why this documentation is necessary. I pride myself in being direct. I handle problems promptly and directly.
The number one reason to enlist me for your home financing needs is that I ALWAYS answer my phone. I answer evenings and weekends. If you don’t reach me, be assured that I am talking with someone. If you don’t reach me, then leave a message and see how fast I return the call.