About me:

My name is Michael Patterson, and I'm the Branch Manager here in the WA Region. On the business side, I've been originating mortgage loans for over 10 years now. I have a true passion for marketing and love helping clients and my realtor partners with their businesses.

On the personal side, I'm a husband and father of two amazing boys. Whenever I'm asked what my hobbies are, I have to always say "my family". Yep, everything revolves around that. I've picked up fly fishing a bit too... but that's mainly with family too. ;)

Connect with me on Facebook! 

Watching our family grow is incredibly fun and entertaining. I personally think being a parent is one of the most challenging, yet most rewarding things in life. My wife and I are heavily involved in our community and local church ministries. Our family motto is that we are "blessed to be a blessing." We do love to travel and look forward to many family trips as our children get older. I can't wait for that first trip to Disney World with our youngsters. That will be a great day. As a father, I have to remind myself to always be a "Memory Maker". We won't look back and remember the days we stayed late in the office really. We'll look back and recall the fun memories we had with the people we love. I'm definitely a "Type A" personality and love to work hard. It's important to keep that "pendulum in balance."

Back to the business side, I serve as a leader in a national marketing mastermind group, and absolutely love the process of "drinking from a fire hose" every single week and brainstorming about new and exciting marketing ideas, online tools, real estate trends and opportunities. Testing new ideas, strategies and building relationships with other like minded people is incredibly fun for me. I have a love for presenting and teaching these ideas to our mortgage lending team and our MVP real estate agent partners. Their success equals our success, so I believe in "paying it forward" and continually give away all I learn! I am a super outgoing person so the "social" part of social media is awesome to me. I would consider myself "somewhat technical" and love learning how to make things work better for my and my clients. It will be a never ending continual process though, which is great.

Check out my Linked In Profile and connect with me there.

I love the challenge that the mortgage lending business brings. I learn something new every day, and love solving problems for my clients. I continually hone my skills as a mortgage originator and continually educate myself on new loan programs, guidelines and essentially, opportunities for my clients. With some new and exciting online tools I am also able to show clients in real time what the mortgage markets are doing and how they can secure the best possible rate for their situation and loan scenario.

The majority of my experience is with purchase transactions, I have a construction lending background, and a specialty niche in Manufactured Housing Finance. None of these areas are "simple", but I wouldn't have it any other way!

Mortgages can be somewhat complicated at times, so I strive continually to break that down, demystify and make my explanations simple and easy to understand. Buying a home or qualifying for a mortgage loan shouldn't be stressful or cause feelings of fear or intrepidation. Knowledge conquers fear and empowers. It's my personal goal for every person to have that opportunity to get the answers they need and feel like they are of critical importance as a client. In my eyes, they are!

Best regards,

Michael

Company Background:

Land / Home Financial Services, Inc.
Built on Knowledge, Commitment & Trust Since 1988

Mission:

To provide diversified funding options and consistent, superior, personalized service to our clients and partners, including: home buyers, mortgage brokers, builders, manufactured/modular home retailers and real estate agents.

• Mortgage banker, in business since 1988
• National lender with LOCAL "home-town" presence
• Currently servicing roughly half a Billion in loans in our own portfolio
• Regularly funding over $100 Million per month in loan volume
• Always Competitive with interest rates and loan fees
• Specializing in VA loans for more than 21 years, and a VA Automatic lender
• Approved FHA Direct lender with an Eagle Rating (the highest rating available)
• Staffed with several on site direct endorsement underwriters
• Fannie/Freddie Seller/Servicer
• In-house underwriting, doc drawing, and funding to ensure a smooth loan transaction
• On-site Appraisal Management Team that is fully compliant with the Home Valuation Code of Conduct (HVCC)
• Proven lender, often funding over $100 million a month in loans
• Licensed in 42 states
• Excellent personalized customer service

Land/Home Financial Services, Inc. was founded in 1988 and is a solid medium-sized privately owned mortgage lender. As a nationally recognized top Mortgage Banker, we offer our clients Conventional, FHA, VA, Jumbo, USDA, Construction loans, with an added emphasis and expertise in the Manufactured Home Lending niche market.  We have our own underwriters, coordinators, doc drawers, funders, secondary marketing, etc… and close the vast majority of our loans in-house.

In addition to selling loans to Wall Street investors, Fannie Mae and Freddie Mac, we also service a good percentage of our volume ourselves on our own portfolios. Having a seasoned staff of senior level management, marketing support, administration and top loan consultants has allowed us to grow to 250+ loan originators and hold licenses in 42 states.


Confidently secure your mortgage transaction financing with Land / Home Financial and our Team of Seasoned Experts... all with one goal in mind... YOUR SUCCESS!

WA State CL # 89331