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Profile picture for Patti Click

Patti Click

Lender

Loan Officer (10 years experience)

Specialties:
Purchase Loan,
Refinancing,
Home Equity,
Mortgage Planning

Add personality to your profile! Tell the community about yourself, your home, and your profession.

You are never just a transaction to me, I care about my borrowers and whether you decide to use me for your home financing or not, I want to make sure you are educated about one of the largest financial decisions you will ever make.

How I can help:

· Get you pre-qualified for a mortgage, so you know you are looking in the right price range for your desired payment and are ready to put in an offer when you find the right property

· Put together an individualized comparison of loan strategies, whether you want to compare down payments, loan types, or purchase prices, so you know you are choosing the right loan for your situation.

· Figure out how your mortgage will fit in with your long term financial goals, so you know you are making the right decision.  There is so much more to deciding on a mortgage than rate and fees.

· Give you lots of information and advice on the rate market – this is something I love following


Why you'll want to work with me:

· I love people, I love mortgages and I will work to make sure you are getting the best deal possible while being educated about a sometimes confusing and over-whelming process. 

· I am local to Baltimore and can meet you in person or we can handle the initial qualifying and full application electronically, however works best for you

· Your loan will be processed and underwritten locally  (ask me why this matters so very, very much)

· I can offer a free Float Down program on most of our loan programs, with the option of floating down to a lower interest rate if the market improves after you are locked in

· We can do just about any kind of residential mortgage for both purchase and refinance, for your primary residence or as an investment property.  Conventional, VA, FHA, many types of renovation and construction loans (not just a 203k), and Jumbo.  PLUS, I keep myself educated about all of these programs, their guidelines, and want to make the process as smooth for you as possible, and make sure you don't get hung up with any last minute issues

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About Patti Click: <p>You are never just a transaction to me, I care about my borrowers and whether you decide to use me for your&nbsp;home financing&nbsp;or not, I want to make sure you are educated about one of the largest financial decisions you will ever make.<br/><br/><strong>How I can help:</strong></p> <p>&middot; Get you pre-qualified for a mortgage, so you know you are looking in the right price range for your desired payment and are ready to put in an offer when you find the right property</p> <p>&middot; Put together an individualized comparison of loan strategies, whether you want to compare down payments, loan types, or purchase prices, so you know you are choosing the right loan for your situation.</p> <p>&middot; Figure out how your mortgage will fit in with your long term financial goals, so you know you are making the right decision.&nbsp; There is so much more to deciding on a mortgage than rate and fees.</p> <p>&middot; Give you lots of information and advice on the rate market &ndash; this is something I love following</p> <br/> <p><strong>Why you'll want to work with me:</strong></p> <p>&middot; I love people, I love mortgages and I will work to make sure you are getting the best deal possible while being educated about a sometimes confusing and over-whelming process.&nbsp; <br/><br/>&middot; I am local to Baltimore and can meet you in person or we can handle the initial qualifying and full application electronically, however works best for you</p> <p>&middot; Your loan will be processed and underwritten locally&nbsp; (ask me why this matters so very, very much)</p> <p>&middot; I can offer&nbsp;a free Float Down program on most of our loan programs, with the option of floating down to a lower interest rate if the market improves after you are locked in</p> <p>&middot; We can do just about any kind of residential mortgage for both purchase and refinance, for your primary residence or as an investment property.&nbsp;&nbsp;Conventional, VA, FHA, many types of renovation and construction&nbsp;loans (not just a 203k), and Jumbo.&nbsp; PLUS, I keep myself educated about all of these programs, their guidelines, and want to make the process as smooth for you as possible, and make sure you don't get hung up with any last minute issues</p>

Ratings & Reviews

Patti handled the entire process of my refinancing from start to finish with professionalism, expertise and attention to detail. She was able to provide guidance to help me get the best loan possible for my personal circumstances, and I felt very comfortable working with her in resolving several issues that arose. I highly recommend Patti as a loan officer and specialist in the real estate industry.

  

04/23/2015 - hugcooke
Closed refinance loan. Lutherville, MD

Patti handled the entire process of my refinancing from start to finish with professionalism, expertise and attention to detail. She was able to provide guidance to help me get the best loan possible for my personal circumstances, and I felt very comfortable working with her in resolving several issues that arose. I highly recommend Patti as a loan officer and specialist in the real estate industry.   More Less 

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01/01/2015 - staretal
Closed purchase loan. Hampstead, MD

Professionalism personified - she and her team were able to take care of many things that came out of trying to buy the house from sellers with a difficult financial history. All the roadblocks were removed one by one and we had a successful closing. Ms. Click talked me through each step, explaining why certain information was necessary. She returned my phone calls within a reasonable time, sent email in response to mine without delay, and in general, helped me understand the process. This was my first house purchase. I will use Ms. Click on any further purchases.  More Less 

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12/23/2014 - MsSarah11
Closed purchase loan. Little River, SC

Patti was extremely knowledgeable of the process and very patience with me through the entire lending and home buying process. She knew about all the changes in the lending process and how to help me fight my way through all the new regulations. (It's been years since I had purchased a home and everything has changed) Not only was she good so was her team. I would recommend P)atti Clicks' service to anyone. And I'd tell her a heart felt thanks for making my dreams come true.  More Less 

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