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Patty Lother

Vice President of Mortgage Lending
621 NW 53rd St, Suite 410, Boca Raton, FL 33487
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NMLS: 363192
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TestimonialsCustomer testimonials Read more

My husband and I worked extensively with Patty Lother from your team over the last half year to close our two loans. We wanted to share our great experience with Patty, she has been such a pleasure to work with. We've taken out several loans in the past, and Patty has been the best person we've ever worked with. She is extremely responsive, organized and patient. She made the entire loan process seamless and not a pain at all. We will definitely be back again with future loans!

April Z.

Patty was amazing to work with, she is extremely professional, and very informative and always responded immediately when I asked her a question. In short what else can I possibly say but if you need assistance in obtaining a mortgage start with her, don't contact the rest contact the BEST!

Leslie F.

We started our loan in September and this loan closed so quickly because of our amazing loan officer. We never were frustrated with anything because she was great! She was the Best loan officer I have ever worked with! She was amazing! Top notch, Amazing!

Paul B.

From my very first conversation with her, Patty was positive, supportive, and, above all else, honest. I was forthright with her and she did all she could to get me pre-approved for the amount I asked. When I eventually did find a house, she kept me on track with deadlines and signing paperwork. In fact, she did such a great job that from the time I found a place, submitted an offer, had inspections, got it appraised, received funding, closed on the place, and got my keys only about 3.5 weeks...

Richard P.

My real estate agent recommended Patty and she was great! She was a pleasure to work with!

Paul B. -- Warren, NJ 6/13/2014

Patty interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
The key to find the best home loan for a borrower is to ask many questions and get to know their true goals for themselves and their family. In many ways the programs I discuss become part of a long term financial "plan" and the only way to provide success is to keep open lines of communication.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has gone thru many changes over the last 20 years in lending. In a traditional sense, the industry has gone "full circle" by documenation standards, from the 1990's to today. Conventional and FHA guidelines are very similar today to the requirements 20 years ago. I expect a slight easing in guidelines over the next 3 years but a full doc loan is here to stay!
What part of the home loan process do customers find most difficult and how do you help them through it?
The most common issue during the home loan process is usually before closing when the title company prepares the HUD. Understanding escrows for taxes and credits from the sellers can be confusing for anyone from first time buyers to experienced home owners that are refinancing for the third time. I go over the HUD with the clients on purchases and refinances item by item before closing. I patiently answer any questions they might have until they fully understand
Summary of where you grew up: family, affiliations, college, high school, etc.
During the school year I lived in South Florida and the first day of every summer I headed up to Long Beach Island - the Jersey shore! I attended Florida Atlantic University and earned a B.A. in Finance. I am married with 2 elementary age children.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage broker, I love to ride horses in Montana, play golf in Ireland and Scotland and play the Piano. I will never take a Cruise until they invent motionless vessels!

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