Message From Patricia
“My #1 priority is to help you find the right mortgage solution for your home purchase or refinance; one that fits your needs, not mine. I take pride in my deep product knowledge, ensuring you’re confident every step of the way and fully informed about your options.
I genuinely enjoy working with all clients, especially first-time homebuyers. There’s nothing more rewarding than seeing the excitement on a client’s face when they receive their keys. I’m committed to providing a clear, straightforward approval process designed to make your homebuying experience as smooth and stress-free as possible.
As your Loan Officer, I’ll work with you personally to tailor a mortgage that supports your financial goals. My team and I are committed to delivering the highest level of service while offering some of the most competitive rates in your area. We prioritize clear communication and customer care to serve your best interests from start to finish.“
About Patricia
For over 20 years, Patricia has been dedicated to helping homebuyers achieve their family and financial goals through homeownership. A proud U.S. Marine Corps veteran, she brings the same discipline, integrity, and commitment to her work in the mortgage industry as she did in service to her country.
Her top priority has always been guiding clients through the mortgage process with clarity, care, and a strong sense of purpose. With a solid background in the financial industry, Patricia is known for her exceptional communication skills and unwavering drive to exceed client expectations.
Her passion for creating a positive, seamless homebuying experience stems from a genuine desire to make a meaningful difference in her clients’ lives—one home at a time.
Outside of work, Patricia enjoys quality time with her family. Whether it’s gathering around the kitchen table for meals, hiking in nature, or spending time with friends, she values the moments that bring people together.
Mortgage Products
Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.
DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.
1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.
Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.
Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.
FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.
VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.
Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.
Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.
ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.
2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option
HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.