Patrick Lopez Quaint Oak Mortgage

Patrick Lopez

I take pride in my reputation as an honest straightforward lending professional; giving you the truth without the hype.

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!

Marta Roman, Associate Broker, RE/MAX Access, Philadelphia, PA

Thanks for your great services. You and your staff always do a magnificent job. You guys never let me down.

Edward Rogers, Associate Broker, BHHS Prime Real Estate, Philadelphia, PA

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!

Theophilus T Kabangai, Client, Lansdowne, PA

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.

Sheilly N Vargas Rodriguez, Philadelphia, PA

Steps to Homeownership

  • Responsibility:
  • Client
  • Realtor
  • Mortgage Banker
  • Title Insurance Company
  1. Contact Pat Lopez Mortgage Banker
  2. Prequalification Approval
  3. Provide:
    • 2 years of Tax returns
    • 1 months paystubs
    • 2 months of bank statements
  4. Decide on wants, needs, and desired areas
  5. contact realtor
  6. look for a home
  7. prepare offer
  8. pick contingency 1st deposit check
  9. realtor deposits escrow check
  10. accept counter offer if applicable
  11. begin the mortgage process paperwork within 10 days
  12. begin all inspections within 10 days
  13. negotiate and/or accept inspection results
  14. second deposit
  15. Begin loan process
  16. Quaint Oak Mortgage orders appraisal
  17. Order title
  18. Begin underwriting
  19. loan approved
  20. send commitment
  21. final documents to underwriter
  22. purchase homeowners insurance
  23. schedule closing date
  24. client walk through
  25. contact buyer with final settlement funds
  26. Bring offical/cashiers check and ID to settlement
  27. sign closing papers
  28. transfer utilities to your name
  29. Enjoy your home!

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