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Patrick Gavin

Branch Manager & VP of Mortgage Lending
14811 N. Kierland Blvd, Ste 100, Scottsdale, AZ 85254
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NMLS: 218542
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TestimonialsCustomer testimonials Read more

I'd like you to know how grateful we are that Brian Frederick recommended we call you. You have a gift for what you do. Gave GR the highest scores possible but it's not like you need any help! I'm sure everyone you work with is extremely satisfied when working with you. I'll be in touch with you again when it's time to work another deal.

Grant W. 06/2016

Patrick, allow me to express our sincere appreciation for all your efforts and hard work in getting us through the process seamlessly, again. Thank you. Really enjoyed meeting you in person finally, and Noreen too. She's a gem. Your whole crew represents and reflects you extremely well. You're the best!

Joe S. - 4/1/2016

Patrick Gavin was excellent to work with all throughout the process. He kept me informed and responded to my questions very quickly. It was a pleasure working with him again. I highly recommend him to all of my friends. He is fantastic!!

Noah G. – Phoenix, AZ | Feb. 2015

Patrick is not just an expert in his field, he is considerate to explain the whole process, hold your hand through each step in a very trusted and friendly way. This is a stressful process and the patience Patrick displays very professional but most of all very friendly. He is the first card I give to friends and associates who need a mortgage!

Kathryn K. -- Scottsdale, AZ. 9/29/2014

Patrick was great! He was an excellent communicator and provided timely updates throughout the process!

Kristi Renee G. -- Oxford, MI 7/25/2014

Patrick is a star! We've used him before and would use him again in a heartbeat!

Paul W. -- Phoenix, AZ 7/7/2014

Patrick was amazing! He was a top notch individual and professional!

Timothy W. -- Eastvale, CA 6/20/2014

"It has been years since I've dealt with such a personally attentive and professional group. From the first phone call to the last and everyone with whom I spoke. I believe that Patrick and his Team did everything possible to assure the process went flawlessly. Both my accountant and my financial advisor recommended Patrick and they certainly did not steer me wrong. I will always speak highly of this group and recommend them to anyone with whom I meet looking for a mortgage."

Joan S. -- Tempe, AZ. -- 6/ 2013

"Everything went excellently, the staff was great. We were both traveling and in and out of the country but Patrick and his team still made the transaction happen seamlessly. He was above and beyond what I expected and my whole family works in the real estate business. I really felt like I could trust his choices to take us in the right direction. The closer he chose was great and it went very well. I will definitely be recommending Patrick!"

Benjamin K. -- Phoenix,AZ. -- 7/ 2013

Hey, check out this amazing review from Cathy about Patrick! “Patrick Gavin and his team were excellent. My loan was funded and closed in 30 days. I am happy with the interest rate I received. Patrick was highly recommended by my financial advisor. My loan was a bit tricky but it all went smoothly and on time. Patrick was quick to answer my questions and responded to email and phone inquiries. I will recommend his services without reservation!”

Cathy H. – Bellflower, CA – 4/2013

Patrick Gavin is the best mortgage specialists I have ever worked with in the last 30 years He is stellar, meticulous, and his concern for the client experience is outstanding I will and do refer everyone I know to Patrick Gavin as I trust his professional judgment, care and skill.

Neal V. - Scottsdale, AZ 7/2012

The process went exceptionally smooth. Patrick, Kristen and Dina provided personal and thorough attention to my needs. Updates were complete, detailed and always timely. Despite the ever increasing regulatory and compliance challenges in today’s lending environment, my loan was handled efficiently and accurately with a minimum amount of effort on my part - An absolutely superior customer service experience. I appreciated the local service and personal touch delivered with Guaranteed Rate’s...

Andy S.

The service provided by Guaranteed Rate, and Patrick Gavin in particular, was outstanding. I was facing a deadline on this loan, and Patrick absolutely put forth the extra effort to make it happen and seem painless in the process. The professionalism and positive work ethic shown throughout the process was definitely above and beyond. The first call I make for future needs will be to Patrick.

Michael & Debbie D.

I wanted to write a quick note to express how happy I was with the service Patrick Gavin and Guaranteed Rate provided. After doing my due diligence, I was convinced that Guaranteed Rate was able to offer one of the lowest rates in the market as well as competitive fees. The customer service was excellent, as Patrick answered all of my questions, alleviated my concerns, and ultimately closed our home purchase on time. Thanks!

Geoff S.

[Working with Patrick and GR] provided unbelievable service and attention to our specific needs. Our process was not quick. Patrick was patient, responsive and informative regarding all issues we encountered. When we needed information explained to us, Patrick addressed those concerns and questions with patience and respect for us. He treated us as if we were his only client, knowing-full well we were not. Patrick is a high-class individual. He is the kind of person you wish you could encounter...

Steve & Trish F., AZ

I am honored to have Patrick Gavin as part of my real estate team. He has served me and my clients well for over 14 years. Patrick is my "go-to guy" for not only my clients but all of my own personal mortgage needs. Patrick's philosophy is based on what is right for the client. Having a financial planning background, he looks at the borrower's big picture and directs them in the best possible direction. He is honest, knowledgeable and definitely someone you want on your team, especially in...

Jeannine B., CRS, GRI, ABR, SRES

It went great. Patrick Gavin is a dream to work with. He made everything go smoothly and we got to close before we went on our vacation. We were very happy..

Jan G. - Scottsdale, AZ 9/2011

My heartfelt thank you for all your incredible work and patience in making sure that this transaction closed. What a team effort this was! I'm so appreciative of everyone's Spirit of cooperation. It has been an infinite pleasure working with you! Many, many thanks!

Ida C., Realtor

Patrick I can’t thank you enough for your guidance during this process. Your professionalism and the fact that you put me, the client, ahead of any personal gain you could have gotten is exemplary. You know I will continue to recommend you to clients and friends. One day [I will buy a house] and you will be our broker :) On behalf on me (and my kids) Thank You.

Donna E., AZ

My wife and I have known Patrick for approximately 20 years. He has provided mortgage origination and brokerage services to my family and many of our clients. We have great confidence in Patrick and believe that others who deal with him will also appreciate his integrity and character.

Jay W., Atty.

I have known Patrick for over twenty years and have personally used his services on several occasions. I refer my clients to him because I know they will receive excellent service and will have the opportunity to review all their options.

Phil J., CFP

I have been extremely impressed at the quality of service that you provide your customers. You cover the whole financial aspect of mortgages and what is really the best option for the client. I just wish I had met you before I obtained my own mortgage!

Jon M., CPA

I cannot thank you enough for always doing a phenomenal job. Sometimes I think I take you for granted because I know there will never be any surprises. I have been shocked back to reality when having to use another lender upon a client's persistence. You and your team take great care to make sure everything goes smoothly. And it always does!

Jeannine B., Russ Lyon Sothebys

More than any other mortgage lender we have dealt with, Patrick took the time necessary to identify our needs and make recommendations based on those needs. Unlike the many subcontractors we dealt with that over-promised and under-delivered, you were always on top of our project, communicated well and did what you said you would. When the "credit crunch" hit, you were proactive with us to make sure that we were protected from it. I hope we can work together again and would recommend you to...

Eric & Jennifer H.

We are more than proud to recommend the services Patrick Gavin provides for our mutual clients! In the past 16 years of knowing Patrick there has never been an occasion for disappointment. He has handled every client with the utmost integrity and unselfish counsel. We have been provided the utmost care in our own real estate transactions. Patrick has been thorough, timely, patient in providing us with all of our options, and caring in giving us all of the options available. We send our clients...

Sharon & Steve of Realty Executives

Purchasing a home is stressful enough, but doing so from 3000 miles away presents its own set of challenges. Patrick walked me through all the steps taking the time to ensure I fully understood all of the information he provided and respectfully answered the many questions I had along the way. Patrick & his team displayed the utmost level of professionalism & his thoroughness and efficiency made buying a home as trouble-free as possible. Not only will I look to Patrick for my future financing...

Casie S.

Let me thank you for not only the attention you paid this minimal deal, but for your professionalism. Very seldom in my business dealings, have I had a more positive scenario to work within. My hopes are not only to do additional business with you, but I will do all I can on the referral side to get some people directed your way. I know Chad feels the same way. Thanks again, and God Bless.

David & Laurie D.

Patrick interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
Became a lender in 1974. Fulfilling helping homeowners make informed decisions about borrowing that support / mirror their goals.
Who is your typical customer and what questions do they typically have?
I work with many self employed borrowers. What is the best loan program / structure for their needs.
What specific steps do you use to help your customers find the best home loan for them?
I work with CPAs, CFPs, and attorneys helping coordinate their clients mortgages into their long term financial planning / retirement goals.
How long have you been in the mortgage business? What awards have you won?
Became a mortgage banker in 1992. Multiple year recipient of President and Chairman's Club awards.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed: Monthly mortgage payment remains the same over the term, rate may be slightly higher than comparable ARM. Adjustable rate mortgages offer lower payment that may better meet borrower's short term needs. ARMs have the exposure to upward rate adjustments.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Self employed surgeon had multiple corporate entities. Financials were complex & detailed. Client had attempted to obtain approval from 2 competitors, his CPA recommended he work with me. Was able to approve & close loan within short time frame for his new home purchase.
What advice would you give new or first time home buyers?
First- Review your credit to understand exactly what appears & how it impacts your ability to borrow. Having post closing savings of a minimum of 3 months total budget for emergencies. Understand all your options in order to make informed decision.
Tell us about a mortgage product that consumers may not be aware of?
Ability to prepare their mortgages. Even interest only loans typically offer the ability to add principal to the monthly payment.
How has the mortgage industry changed since you started, and what would you expect in the future?
More changes have occurred in the last 3 - 5 years than in the prior 35 years combined. Change is constant- much of the new regulations are helpful to home owners.
What part of the home loan process do customers find most difficult and how do you help them through it?
Repetitive data, depth of data / documents required / steps in the process. I provide ongoing, detailed updates that take the stress out of the equation.
What are the top 3 misconceptions people have about the home loan process?
Folks tell me appraisals come in low, that they can be approved without the detailed data required & that loans should be closed in 10 days or less.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Zillow for descriptions of homes in their marketplace. Mortgage calculators to determine what home price / loan amount they will qualify for.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Have in depth conversation with experienced mortgage banker. Understand it is a process with multiple steps. Providing requested info in timely fashion ensures on time, smooth closing.
What can borrowers do to insure a smooth mortgage underwriting process?
Cooperate, provide data requested, and be accurate in their responses.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
Long time board of director member and Director of Membership Committee for the Financial Planning Association of Greater Phoenix. Helped grow membership & use the skills / techniques learned to help buyers make more informed decisions.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
Local public schools and ministry that helps return formerly incarcerated individuals to society.
Summary of where you grew up: family, affiliations, college, high school, etc.
Born / raised in Ohio- was a farmer. Graduated from University of Phoenix with degree in business & minors in finance & accounting. Have lived in Arizona since 1981.
What provides you with the most satisfaction in your job as a Loan Officer?
Knowing that my clients make better decisions that help them accomplish their long term financial goals & to be prepared for retirement / children's education.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Riding my mountain bike, hiking, astronomy, weight lifting, reading and building models.
Tell us something that makes you unique or something wacky, yet interesting about you?
Mortgage banking is a stressful business. I try to bring some humor to the process while still maintaining the focus to accomplish my clients' goals.

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