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Patrick O'Connell's commitment to customer service is second to none. Signing up for a new loan is unchartered territory for me. It can be scary. Who can I trust when I don't understand how this stuff works. Pat followed through on every promise he made. He walked me through the process, locked in the deal and closed. I'd recommend him to anyone.
I've done many refi's post recession. They've taken 3-4 months and the paperwork and additional justification has been ridiculous. When Pat said it would be 21 days and the little bit of paper work was all that was needed, I did not believe him. It took 22 days and now I'm refinancing my rentals. Working with Pat is painless and quick.
This is my 2nd refinance with Pat, and I should mention that I've had the chance to do quite a few mortgages/refinances in my time. I've had the unpleasant opportunity to experience some of the worst the US mortgage industry has to offer. For those who've never been there, it's easy to underestimate the importance of working with someone reliable for a mortgage. It's just so easy to screw it up and suddenly you lose that dream home because your mortgage is declined at the last second with no prior warning (that happened to me with another lender).
Pat is great. He's extremely competitive from a pricing standpoint, and is efficient, accurate, and a man of his word. In both refinances Pat clearly outlined terms, and despite a variety of challenges related to our documentation and credit report, was able to get both deals to close in record time. He's the kind of guy who's ALWAYS available. Emails at 11pm, phone calls on a Sunday -- he's just super responsive.
I've already referred several friends and have him on speed dial for our next mortgage. HIGHLY RECOMMENDED!
Closed refinance loan. Almaden Valley, San Jose, CA
I have worked with Patrick O'Connell on a number of refinances over the past years and most recently on the purchase of a unique vacation property in Lake Tahoe. Pat's determination and resourcefulness was phenomenal. We ran into many roadblocks along the way due to the nature of the property that were out of Pat's control, but Pat never gave up and kept searching for a solution eventually bringing the deal together. I sincerely appreciated the effort he put forth to make this happen. He was always transparent and timely with his communication and operated as a true partner in the process. I highly recommend him.
Applied for a loan, but it didn't work out. Folsom, CA
Pat has been very helpful and responsive. We have not yet been able to close my loan but Pat is working dilligently on it and it is not due to any problems on Pat's part. We have been unable to close due to the debt to income restrictions that are now in place. Rather than just give up Pat has formulated a plan so that we can hopefully close in the near future. Pat has been very clear about what needs to happen so that we can qualify for a refi. we are working together to make it happen. I am very happy with Pat and am hopeful of closing our refi with him in the near future.
Pat help me obtain financing for a home purchase in Trabuco Canyon. He was lighting quick with his responses to me and was proactive in getting in touch with me. I especially appreciate his willingness to work with my wife and I despite my wife still living out of state while my children finish out the school year. We also was very attentive to the needs of both my Realtor and the escrow agent. On top of it all, the interest rate that Pat was able provide was the lowest around. I couldn't find anyone who could beat it. SUPER!
I had been putting off getting a refi. I have been through it before and it was time consuming and so much paper work. A friend referred me to VIP and Patrick O'Connell. It was a great experience that started with the first phone call the he made to me. Everything was fast, accurate and customized for me. This was the easiet
refinance I have done. He really know how to treat people and he is really smart and knows the business inside and out. I have recommended to some of my friends. His follow up and kept in the loop as the process progressed.
Patrick was extremely helpful in getting me to fully understand the escrow front-end payment portion of my re-fi (i.e. why one half of the front-end escrow payment amount is for the mthly payment remainder of the OLD load vs. why one half of the escrow payment amount is mthly payment remainder for the NEW loan) - there were absolutely no surprises when the notary showed up for the loan signing, everything went 100% exactly as Pat had explained to me earlier - I call this guy a "straight shooter" - totally honest, totally competent, and totally professional -if I ever need to refinance again Pat will be the first person that I will call
I highly recommend Patrick O'Connell. It's hard to know who you can trust when you're dealing with people over the phone. I felt comfortable with Patrick right away. He was professional and personable. I didn't feel like he was trying to sell me something. I felt like it was important to him to answer my questions and educate me on my questions and concerns. Patrick is extremely knowledgeable when it comes to loans. You can tell he is passionate about what he does and takes a genuine interest in his clients. I was never passed onto another person. He stuck with me through the whole process of the loan and explained to me each step. He was always available when I called. He also prepared me upfront what the process would entail. This was my first experience buying a home and obtaining a loan. I feel grateful to have worked with Pat who made the process as smooth as painless as possible. He was a pleasure to work with and I highly recommend him.
As a first time home buyer Patrick made us feel very comfortable with the entire process. Any questions or concerns we had he was very quick to respond. He also helped us get in our home in a timely manor with no complications. It was a smooth process for us. We loved working with him!