Patrick Lopez
- NMLS 138266
- Mortgage Banker
- O: 267.800.2132
- F: 215.554.6973
- PLopez@QuaintOak.com
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I take pride in my reputation as an honest straightforward lending professional; giving you the truth without the hype.
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My Specialties
- Thorough knowledge of Conventional VA, FHA and PHFA Loans
- Commercial Loan Specialist
- Certified Credit and Mortgage Expert
- An Award-Winning Producer
About Me
When buying a home it is imperative that you partner with a professional that will make your home buying experience smooth and stress free. I have the knowledge, experience, and integrity you need to ensure the results you want. Dealing with experienced people allows you to avoid the pitfalls that could occur in the home buying process. I take pride in listening to our clients’ wants, needs, and desires and I am with you every step of the way.
At Quaint Oak Mortgage, we understand that every customer is special and every real estate transaction is unique. Whether it is residential or commercial loan, we can find a product to fit your financial goals. I take pride in my reputation as an honest straightforward lending professional; giving you the truth without the hype.
Quotes from Agents
Thanks to your knowledge and experience, you were able to do deals that other companies turn down. Thanks for saving the day!
Thanks for your great services. You and your staff always do a magnificent job. You guys never let me down.
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Quotes from Clients
You walked me through the entire process; from the application to showing up at settlement. You turned a complicated process into a simple transaction. I’m so thankful!
Thanks Pat for taking the time in answering all of our questions and explaining everything thoroughly. I had a million questions and I appreciate your patience.
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Steps to Homeownership
- Responsibility:
- Client
- Realtor
- Mortgage Banker
- Title Insurance Company
- Contact Pat Lopez Mortgage Banker
- Prequalification
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Provide:
- 2 years of Tax returns
- 1 months paystubs
- 2 months of bank statements
- Decide on wants, needs, and desired areas
- contact realtor
- look for a home
- prepare offer
- pick contingency 1st deposit check
- realtor deposits escrow check
- accept counter offer if applicable
- begin the mortgage process paperwork
- begin all inspections
- negotiate and/or accept inspection results
- second deposit
- Begin loan process
- Quaint Oak Mortgage orders appraisal
- Order title
- Begin underwriting
- loan approved
- send commitment
- final documents to underwriter
- purchase homeowners insurance
- schedule closing date
- client walk through
- contact buyer with final settlement funds
- Bring offical/cashiers check and ID to settlement
- sign closing papers
- transfer utilities to your name
- Enjoy your home!
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Items needed for Pre-Qualification
- Two most recent years tax returns, federal portion only
- Two most recent years W2s only
- 3-4 Most recent paystub
- Most recent bank statement to show funds for transaction (all pages)
- Identification