Pat O'Leary NMLS# 272734 - Movement Mortgage

09/25/2026

If you’re looking to grow your real estate portfolio, your rental income could help you get there. 🏠

With a DSCR loan, I can help you qualify based on the income your investment property generates rather than your personal income.* That means no personal income verification or tax returns required, plus financing options for purchases, refinances and cash-out refinances.

Have your eye on your next investment property? Send me a message and let’s see what’s possible.

*Qualification is required. Additional restrictions apply. Program rates, terms and conditions are subject to change without notice.

09/24/2026

Stop renting someone else's dream. Start living yours.

09/24/2026

A lot of first-time buyers assume they need everything figured out before they can start the homebuying journey. The truth? You may be closer than you think. From down payment myths to credit misconceptions, here are a few things that might not need to stand between you and homeownership. 🏡

09/23/2026

Less capital tied up in one property can mean more opportunities down the road. Whether you're investing in a short or long term rental, making improvements, or planning your next purchase, Investor Plus was designed to help eligible investors do more with their money.

*Qualification is required. Additional restrictions apply. As low as, 85% financing option on 1-unit properties. Up to 90% financing on 2-4 unit properties. Subject to credit approval and must meet agency and investor guidelines. Program, rate, terms and conditions are subject to change without notice. Reach out to a loan officer for more information.

09/23/2026

Incomes grew 4.6% last year*. Monthly mortgage payments fell. That combination means a mortgage payment takes up a smaller share of take-home pay today than it did a year ago**. The ratio improved. On top of that: down payment assistance programs exist in most markets, gift funds are allowed on most loan types, and there are first-time buyer programs that change the upfront cost significantly. The number you've been assuming you need and the number you actually need are often very different. The only way to know is to run it with someone who does this every day.

DM me and let's find out where you actually stand.

*U.S. Bureau of Labor Statistics, 2025
**Redfin, January 2026

09/22/2026

5.0 star review received on Experience.com for Pat O'Leary by Joseph M - "If you need a mortgage, stop searching and call Pat."
I have been in the new construction, real estate, and mortgage industry for over 30 years, so I know firsthand how difficult it is to maintain consistency and deliver true top-tier customer service.
This was our second home purchase mortgage with Pat and his team at Movement Mortgage for a home in Sun City Hilton Head. Our first experience four years ago was completely flawless—their communication and guidance gave us total peace of mind. Having just closed on our second purchase, I am truly amazed at how consistent Pat’s team remains. Their process is smooth, transparent, and hassle-free.
A special shout-out to Pat’s assistant, Libby Tatum, for keeping us informed and confident every step of the way during what can normally be a stressful process!
If you are considering buying a home or refinancing, do yourself a huge favor: Call Pat! He and his team set the gold standard, and they will not disappoint. Thank you, Pat and team, for another fantastic experience!

Click to see all 37 reviews of Pat O'Leary, Senior Loan Officer

09/22/2026

High-interest debt doesn't have to stick around forever. A HELOC may help qualified homeowners consolidate debt and simplify their finances. Plus, from September 8-22, qualified homeowners can receive .25% off their HELOC rate.

*Borrower qualification is required. This is not a commitment to lend. Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration; United States Department of Agriculture or any government agency. Offer may be modified or discontinued at any time without notice. Subject to credit approval and program availability. Reach out to a loan officer for the full list of programs eligible.

09/21/2026

Community isn't built once. It's passed down, strengthened, and renewed with every generation.

This Hispanic Heritage Month, I’m honoring the people, traditions, and stories that have helped shape our communities, and those continuing to carry them forward.

09/21/2026

House hunting? Don't overlook homes that have been on the market a little longer.

When a listing has been sitting for a few weeks, sellers may be more open to negotiating. That could create opportunities for things like closing cost assistance, repair credits, or even a price reduction. Every situation is different, but asking about a home's time on the market could open the door to options you didn't expect. 🏡✨

09/21/2026

Credit cards and other high-interest debt can pile up fast. A HELOC lets qualified borrowers roll it into one line, at a lower rate, so you're not paying interest on top of interest. From September 8-22, qualified homeowners get .25% off their rate. Message me to see what it could look like for you.

*Borrower qualification is required. This is not a commitment to lend. Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration; United States Department of Agriculture or any government agency. Offer may be modified or discontinued at any time without notice. Subject to credit approval and program availability. Reach out to a loan officer for the full list of programs eligible.