Kevin Patrick - CrossCountry Mortgage

Kevin Patrick - CrossCountry Mortgage SVP of Mortgage Lending NMLS #1036946
CrossCountry Mortgage NMLS #3029
Branch NMLS #2686382
Equal Housing Opportunity
Nmlsconsumeraccess.org
(1)

09/15/2026

Your accountant is quietly working against your mortgage, and nobody warns you until it's too late. Every deduction lowers your taxable income. Buyers show up in spring with two years of returns built entirely to minimize tax, and that math doesn't undo itself overnight. Your accountant is trying to lower your income while your lender needs to prove it's high, and those two goals fight each other. If you're planning to buy in the next year or two, get your lender and your CPA in the same conversation before you file.




09/15/2026

A short sale can be a way out for homeowners hit with financial hardship or a way in for savvy buyers willing to take a risk. Either way, you need the right team to make it happen. That’s us.

Learn more: http://spr.ly/6182BDLRYO

09/14/2026

Bad timing is the fastest way to blow up a relocation. People line up a move without checking the pieces against each other, then a lease overlaps, a start date slips, and a clean pre-approval sits stalled in limbo. The fix is sequencing three dates together:when the new income officially starts, when the current lease ends, and a realistic closing date. A lender who maps that calendar with you turns a chaotic move into a smooth handoff. Map the timeline before you sign anything.




09/11/2026

One letter from your accountant can add thousands to your qualifying income. Bank statement loans default to assuming half your deposits are expenses, even when your business runs far leaner than that, so most self-employed borrowers get qualified on less than they actually clear. A CPA or tax preparer can certify your actual expense ratio. Same income, same deposits. The letter just tells the truth about your expenses. It's the cheapest leverage a self-employed borrower has.





If your income comes from rental properties, investing, contract work, or a business you’ve built yourself, a Non-QM loa...
09/10/2026

If your income comes from rental properties, investing, contract work, or a business you’ve built yourself, a Non-QM loan could open doors that traditional financing may not. Learn more: http://spr.ly/6189B1cvTU

09/10/2026

The best rental market for you might be three states away, and that's fine. Investors assume they can only buy where they live, so they either overpay in their own hot market or don't invest at all. A DSCR loan qualifies you on the property's rent, not your location, so where you sleep doesn't limit where you can buy. Paired with a lender licensed across multiple states, the map opens up to wherever the numbers actually work. Stop limiting yourself to your own zip code.




09/09/2026

If you're 1099, most lenders are asking you to look like a W-2 employee, and that's the wrong starting point. The system is built around a salary and a pay stub, so contractors, consultants, and commission earners get treated like a problem instead of a borrower. Strong, steady 1099 income keeps getting bounced by lenders using the wrong product. There are loans built specifically to read actual 1099 earnings instead of forcing them into a W-2 box they were never going to fit. Working for yourself shouldn't cost you a house.





Signing your closing day docs is the most exciting moment of the mortgage process — but it doesn’t happen without a Nota...
09/08/2026

Signing your closing day docs is the most exciting moment of the mortgage process — but it doesn’t happen without a Notary Signing Agent. Get to know them: http://spr.ly/6187BEsxzh

09/08/2026

Every time you switch lenders to save a few bucks, you give up the one thing that actually gets deals done. People treat a mortgage like a coupon then end up with a stranger who doesn't know their file when a deadline is on fire. A lender who's worked with you before, and can follow you across state lines, already knows your income, your goals, and your history. That's speed when you're competing and calm when something breaks. The relationship is the product. The rate is just a sticker.




Address

1864 Winchester Avenue
Woodstock, VA
25405

Website

Alerts

Be the first to know and let us send you an email when Kevin Patrick - CrossCountry Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share