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Patrick Perry

VP of Mortgage Lending
1751 Third St, Ste 101, Norco, CA 92860
Contact Patrick
NMLS: 267271
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Pat Perry is an excellent loan officer. I've done at least 3 loans with him and highly recommend him to others. He is very easy to communicate with and always available for questions. He is on top of things and gets your loan done on time.

Kendra E. | 05/02/2017

Patrick did a fantastic job getting my loan closed quickly and making the process very smooth. I will definitely be referring more business his way.

Stephanie R. | 05/01/2017

I was very impressed on how quickly and smooth the whole loan process was, thanks to Patrick for having that communication Every step of the way , Patrick is a total professional.

Gabriela A. | 04/25/2017

Patrick was easy to work with, and since I had obtained a loan through him before, I felt comfortable using him again. communication through email is easy and e-signing is a breeze!

Tracey K. | 04/24/2017

I am very thankful and grateful for Guaranteed Rate. They did everything I expected and were always on top of everything. Thank you, Patrick Perry.

Alex G. - March | 2017

Patrick was awesome, patient, and understanding. Always answered all my emails even when he was on vacation. Thank you Patrick!

Ana R. - El Cajon, CA | NOV 2016

Had a wonderful experience with my loan officer Pat Perry.

Timothy D. - Rancho Cucamo, CA | SEP 2016

Patrick was very patient, especially when questioning loan balances & sub totals. Patrick consulted with me on my "First" home purchase (2006). He was excellent then. It felt more personal working with Patrick this time, since I knew him from my first transaction. I was recommended to Patrick by my Realtor agent (Linda Giego) in 2006. They were both Professional.

Richard M. - 10/17/2016

Pat went above and beyond to help us! I would definitely use him again.

Fernando R. - Riverside, CA | JUL 2016

Patrick Perry was GREAT, very prompt with all inquiries and always kept us in the loop! If it wasn't for Patrick, I'm not sure I would have even considered doing a refinance. You have a great person working for you! Thanks again Patrick!!

Anthan M. - 10/7/2016

Patrick Perry was amazing! He always kept me and my wife informed of the process! He is the reason why we have always dealt with Guaranteed Rate. I have recommended Guaranteed Rate solely based on the experience we have had with Patrick Perry! Thank you!

Cipriano M. | October 2016

This is not the first time I have used Guaranteed Rate. I have also recommended Guaranteed Rate to others before. My loan officer, Patrick Perry has always kept me informed. This is what I expect as a customer. Keep up the good job.

Conrad C. | 08/29/2016

Patrick Perry has now been my Loan Representative on Three (3) loans with Guaranteed Rate! He's always timely, courteous and professional! But most of all, HE ALWAYS DELIVERS!!! My refinance from Start to Finish was only 17 days! Seems unreal, but it's true! Thanks Guaranteed Rate and Triple Thanks to Patrick Perry!!!!!

Troy M. - 07/01/2016

Patrick was fast, responsive and patient. Will definitely call him again.

Tracey K. April 29, 2016

Amazed and astonished how quickly my refi funded. The process was painless. Patrick Perry was absolutely wonderful and extremely knowledgeable. Words cannot express how thankful I am.

Karren N. April 28, 2016

We are very pleased with Patrick Perry's professional and yet personal manner of guiding and handling of our loan procedures. We are pleased with the ease of all aspects of the loan process. We would definitely recommend Patrick Perry with Guaranteed Rate.

Leon & Ermelinda B. - 4/7/2016

We’ve been through financing and refinancing routines at least a dozen times over the past 33 years. This was the most painless and hassle-free experience we’ve had. Patrick made it that way, and deserves your business. He is friendly, helpful, patient, clear, and efficient. He has time to focus on all of these positives because he’s not wasting time hard-selling or playing games. We got exactly what we were looking for so we probably won’t need to actually do more of our own business with...

Clarke R. - 02/12/2016

Patrick could not have been more supportive, available and helpful with the entire experience. He made the whole thing much more manageable and tolerable.

Michael O. – Glendora ,CA | JULY 2015

Patrick is the ultimate professional. He's showed continual concern before, during and after our loan approval! I used Guaranteed Rate for our initial loan. It was a very easy choice when it came to who we'd use for our refinance!

Troy M. – Rancho Cucamonga, CA | Feb. 2015

Excellent customer support and experience as a first time home buyer! The entire process was simple and detailed. Guaranteed Rate provided us with attention and always willing to answer any questions or concerns on a timely manner.

Edgard Z, - Beaumont, CA | Nov. 2014

Pat Perry is the best! He made the process very simple for us and let us know where we were for every step of the process. We will definitely recommend him and your company!

Michael G. -- 8/27/2014

I was very satisfied with Pat Perry's work! He always takes care of us!

Roberto D. -- Corona, CA 7/17/2014

Patrick Perry was very professional, took the time to insure I fully understood every step of the way, answered all my questions, he was prompt at returning calls, emails or messages and very friendly. This is my third home purchase and the customer service I received from Patrick was outstanding.

Ann L. -- La Verne, CA 2/20/2014

Patrick Perry did a fantastic job throughout the entire process! He is a valuable asset to Guaranteed Rate. This company is the best kept secret in Mortgage Loans! Patrick was very thorough in all aspects of handling all of my questions and concerns. The application and approval process was smooth and timely! He was also on top of all phases of the closing process. He kept me informed and did a fabulous job with everything

Troy M. -- Norco, CA. 2/5/2014

“Patrick Perry was very professional. He took the time to ensure that I fully understood every step of the way and answered all of my questions. He was prompt at returning calls, emails or messages and was very friendly throughout the process. This is my third home purchase and the customer service I received from Patrick was outstanding!”

Ann L. – La Verne, CA – 2/2014

“Patrick Perry is the BEST OF THE BEST of loan officers in California! If you are looking for a great loan at a great rate, contact Patrick Perry with Guaranteed Rate in Norco, CA. My loan approved, processed and closed very fast! Thanks, Patrick, for your ultimate professionalism throughout this entire process!”

Troy M. – Rancho Cucamonga – 2/2014

Hi Pat, I just want to let you know that you have done a great job! Your professionalism and service is outstanding. Thank you for your guidance and advice along the way. You have gained my confidence and trust. Keep up the good work!

Tim Pham, Anaheim, CA

Due to your good work we've closed escrow well within the 45 days, it closed in 35 days. We would have not gotten the loan had it not been for you and your company. Dad and I enjoy our new home very much. Thank you for a job well done.

Walter and Jack Tice, Lucerne Valley, CA

Thank you for all your help in closing the purchase loan for Mr. & Mrs. Petroze! I can’t tell you how impressed I was with your professionalism. You were able to close this loan in 3 weeks from start to finish! This was a FHA loan and I was getting so frustrated with my other lenders taking 45, 60 and even up to 90 days to close these loans. You seem to be able to cut out all of the red tape and get it done!! My clients are very happy and they have said if they need any other loans they will...

Rosie Duarte, ERA J. Tidwell & Associates, Phelan

We just wanted to thank you for your efforts in helping us close the purchase for Mr. Goodsell!! This loan was with Bank of America for over 45 days before we decided to give it to you to close. BOA had one delay after the other and in the end they couldn’t come through with what they promised us and our client. Once we gave it to you the loan was closed in two weeks. You not only saved our commission but you help our customer meet their deadline to close on their first home and they are able...

John and Kim Carey, JKC Realty Claremont, CA

About Patrick

I have been in the mortgage industry for 24 years as Loan Officer, Branch Manager, Area Manager and Regional Manager.

My goal is to get my customers the right loan for them. Whether that be Conventional, Jumbo, FHA, VA or Reverse Mortgage, I specialize in helping them achieve their financial goals.

Some of my accomplishments are President Award, President's Distinguished Achievement Award, Office of the year, Top Manager of District, Outstanding Human Resource Development

Patrick interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for 24 years! I was inspired to get into the mortgage industry because I love to help people. Whether it's helping a first time home buyer or someone buying their retirement home, I want to be the one who gets it done for them as painless and quick as possible. It's also a good feeling to help decrease my customer's debt through a refinance or just shorten their remaining term. After 24 years in the mortgage business I am still excited to get up and go to work.
Tell us about a mortgage product that consumers may not be aware of?
There is a mortgage product that some consumers may not be aware of which is under the HARP program. Most people know of the FHA, VA and Conventional loans products but the HARP program can help consumers refinance their property even if they are upside down on their property. The HARP program allows us to refinance up to 125% loan to value if their current mortgage is owned by Fannie Mae or Freddie Mac these are called DU refinance Plus and Relief Home Access this is a conventional. In most cases as long as the mortgage is paid good for the past 12 months a consumer can refinance into today\'s lower interest rate without having mortgage insurance as long as they didn\'t have it on their previous loan. I can help see if you qualify for this loan with a free no obligation quote.
What are the top 3 misconceptions people have about the home loan process?
The top 3 misconceptions people have about the home loan process are; 1) It is a long process 2) It is hard to qualify 3) I will never talk to the same person twice throughout the loan process. 1) "It is a long process" - We all know that there is more paperwork required now more than ever before but as long as you keep good records it is easy to get you qualified and approved. I will help you be prepared by making sure you have all the right documentation you need up front which will make the process quick and painless. 2)" It is hard to qualify" - We make sure to qualify you within your budget. We have several loan products available to our consumer so we can find the loan that is right for you. We can do Conventional -ARM's,15,20 & 30 year fixed, FHA- ARM & Fixed rates as well as VA -ARM and Fixed rate loans, so we have a lot of resources to help you find the loan that is right for you. 3) "I will never talk to the same person twice throughout the loan process" - No you'll talk to me throughout the process you can contact me 7days a week from 9am-8pm. After the loan is close I am still here to help you.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Alta Loma, CA. I went to Alta Loma Elementary, Alta Loma Junior High and Alta Loma High School. I got my A.A. degree at Chaffey College in Rancho Cucamonga. I have seen Alta Loma grow from a small quite little town to large suburban city called Rancho Cucamonga when it incorporated the cities of Cucamonga and Etiwanda and now has over 175,000 people living here. I still live in Rancho Cucamonga and I am only a few minutes from my brother's, sister- in-law's, brother-in-law's, nephew's and niece's. Rancho Cucamonga is a great place to live, we are only 45 minutes from Lake Arrowhead & Big Bear mountain resorts and 45 minutes from the city of Los Angeles and the Orange County beaches.
Tell us something that makes you unique or something wacky, yet interesting about you?
After 24 years of being in the mortgage industry I still truly love what I can do. I have been able to help my friends and family buy their homes as well as refinance their homes. I believe what makes me unique is that I am honest and have open communication with each customer whether it's good or bad news because I care about each of my clients and treat them with the same respect that I treat my friends and family. By doing this I get referrals, which in the end which is the biggest complement ever.

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