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Proudly serving clients across NJ, AR, AZ, CA, CO, CT, FL, GA, IL, MA, MD, ME, MI, MN, NC, NV, NY, OH, PA, SC, TN, TX, UT, VA, WA, WI
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 5.0 out of 5.0 from Encompass Efficiency, availabilty and optiimzation of plan. Haim DavidPoughkeepsie, NY May 24
Efficiency, availabilty and optiimzation of plan.
Rating: 5.0 out of 5.0 from Encompass Pat and Scott were wonderful through the whole process, they didn't make us feel ashamed for this blip in our finances Cassandra was lovely as well thank you Terry EugeneSun City West, AZ May 04
Pat and Scott were wonderful through the whole process, they didn't make us feel ashamed for this blip in our finances Cassandra was lovely as well thank you
Rating: 5.0 out of 5.0 from Encompass Had a great experience....they made the process very easy for us. AltaffArmonk, NY Mar 27
Had a great experience....they made the process very easy for us.
Rating: 5.0 out of 5.0 from Encompass Very easy to wo with and good communication JohnVenice, FL Mar 20
Very easy to wo with and good communication
Rating: 5.0 out of 5.0 from Encompass This experience is unique,First Emotion,second stress and stressful,three concerned worries and waiting and waiting and four anxious feelings and feeling that everything is going okay or bad but has to little bit more the happiness coming and everything turned very special and beautiful thanks everyone for your support patient and understandi... JesusQuitman, AR Mar 04
This experience is unique,First Emotion,second stress and stressful,three concerned worries and waiting and waiting and four anxious feelings and feeling that everything is going okay or bad but has to little bit more the happiness coming and everything turned very special and beautiful thanks everyone for your support patient and understandi...
Rating: 5.0 out of 5.0 from Encompass Pat was a fantastic partner - very responsise and supportive. Audrey LKings Mountain, NC Feb 01
Pat was a fantastic partner - very responsise and supportive.
Rating: 5.0 out of 5.0 from Encompass Pat was fantastic to work with from start to finish. He was knowledgeable, responsive, and made the mortgage process easy to understand every step of the way. Pat truly had our best interests in mind and was always available to answer questions. We couldn’t be happier with the experience and would highly recommend Pat to anyone looking for a trus... JeremyMillstone Township, NJ Jan 31
Pat was fantastic to work with from start to finish. He was knowledgeable, responsive, and made the mortgage process easy to understand every step of the way. Pat truly had our best interests in mind and was always available to answer questions. We couldn’t be happier with the experience and would highly recommend Pat to anyone looking for a trus...
Rating: 5.0 out of 5.0 from Encompass Great Communication and always made himself available GinaAkron, OH Jan 30
Great Communication and always made himself available
Rating: 5.0 out of 5.0 from Encompass Working with Pat was fantastic! He made the mortgage process smooth and stress-free, explained every step clearly, and found us a great rate. Super responsive, knowledgeable, and genuinely cared about our needs. Highly recommend! KellyMillstone Township, NJ Jan 28
Working with Pat was fantastic! He made the mortgage process smooth and stress-free, explained every step clearly, and found us a great rate. Super responsive, knowledgeable, and genuinely cared about our needs. Highly recommend!
Rating: 4.2 out of 5.0 from Encompass Good communication SalvatoreOsprey, FL Jan 21
Good communication
Rating: 4.8 out of 5.0 from Encompass Difficult foreign income but you made it happen. Thanks! James WeaverBradenton, FL Dec 30
Difficult foreign income but you made it happen. Thanks!
Rating: 4.5 out of 5.0 from Encompass Staying withbus throughout the process to make the loan happen Jacqueline LauraBradenton, FL Dec 30
Staying withbus throughout the process to make the loan happen
Rating: 4.0 out of 5.0 from Encompass Pat was responsive and easy to work with. We truly appreciate his efforts toward the end in working to meet a deadline. The online process and portal were convenient. Some aspects of the process were a little opaque, and of course when everything is online there's a lack of a personal touch. Carol WasbauerSan Leandro, CA Dec 15
Pat was responsive and easy to work with. We truly appreciate his efforts toward the end in working to meet a deadline. The online process and portal were convenient. Some aspects of the process were a little opaque, and of course when everything is online there's a lack of a personal touch.
Rating: 5.0 out of 5.0 from Encompass Pat awas always listening, reactive and helpful Pierre ManuelPort St. Lucie, FL Oct 01
Pat awas always listening, reactive and helpful
Rating: 5.0 out of 5.0 from Encompass Pat has a great demeanor and very helpful determined to get the job done LouieDix Hills, NY Sep 14
Pat has a great demeanor and very helpful determined to get the job done
Rating: 5.0 out of 5.0 from Encompass Great job.....very professional. Brandon EMaplewood, NJ Sep 05
Great job.....very professional.
Rating: 5.0 out of 5.0 from Encompass Pat was extremely helpful each step of the way. Process was substantially seamless. JamesGold Canyon, AZ Aug 30
Pat was extremely helpful each step of the way. Process was substantially seamless.
Rating: 5.0 out of 5.0 from Encompass Great communication, smooth transaction! MichaelMyrtle Beach, SC Aug 29
Great communication, smooth transaction!
Rating: 5.0 out of 5.0 from Encompass Pat was excellent in advising and running my loan application. Best in class! KentinBrooklyn, NY Aug 17
Pat was excellent in advising and running my loan application. Best in class!
Rating: 5.0 out of 5.0 from Encompass Pat was quick to respond and help when needed! He always made sure to explain what was missing if I or my husband needed to fill out forms or not! Elizabeth AnneOrefield, PA Jun 27
Pat was quick to respond and help when needed! He always made sure to explain what was missing if I or my husband needed to fill out forms or not!
Rating: 5.0 out of 5.0 from Encompass Patt was great YarivWainscott, NY Jun 12
Patt was great
Rating: 4.5 out of 5.0 from Encompass Pat you were 100% responsive and there to support us during the entire process. You seemed to be available 24/7 and we really appreciated that. Thank you! You got the job done, and we aren't your typical clients. Thank you! The underwriters continually asking for documentation and translations until the 11th hour was stressful since we were under a... Carol LouiseFleetwood, PA May 08
Pat you were 100% responsive and there to support us during the entire process. You seemed to be available 24/7 and we really appreciated that. Thank you! You got the job done, and we aren't your typical clients. Thank you! The underwriters continually asking for documentation and translations until the 11th hour was stressful since we were under a...
Rating: 4.0 out of 5.0 from Encompass There were issues and questions that came up at the 11th hour. Although this is sometimes to be expected, some of the queries could have been addressed earlier. JoseFleetwood, PA May 08
There were issues and questions that came up at the 11th hour. Although this is sometimes to be expected, some of the queries could have been addressed earlier.