Patrick McCormack Mortgage Professional NMLS 1946768

04/01/2026

Community Mortgage* just got even stronger.
FICO now starting at 640
Loan amounts up to $2.5M
This is the program will let you get in your dream home when others said no!

No income or employment stated

No income documentation required

Up to 80% LTV (purchase & rate/term)
Cash-out allowed (can be used as reserves)

Debt consolidation treated as rate/term
Reserves as low as 6 months

30-day asset seasoning

Primary residence only

Call me and let’s get your home!

08/26/2025

Credit card debt is on the rise still, if you’re struggling with debts consider a second mortgage, can be a fixed rate considerably less interest than credit card rates

Shoot me a message and we can go over your situation!

https://www.newyorkfed.org/microeconomics/hhdc #:~:text=Credit%20Panel/Equifax-,Credit%20card%20balances%20rose%20by%20$27%20billion%20during%20the%20second,a%200.9%25%20increase%20from%202025Q1.

Unique data and insight into the credit conditions and activity of U.S. households

08/19/2025

https://www.floridarealtors.org/news-media/news-articles/2025/08/mortgage-rates-fall-it-enough-buyers

With rates declining last week and mortgage applications for home purchases up, there's hope on the horizon for slow markets, NAR said.

08/18/2025

Rates have dropped, and are expected to drop more, now may be the time to get pre-approved for your next home!

06/28/2025

Mortgage rates have been coming down, with various programs the right loan officer can get you rates below market!

Let me know if you have been on the sidelines waiting for rates to come down to purchase a home! The incentives now are better than ever

Mortgage rates fell to a seven-week low this week, giving home buyers some reprieve from high borrowing costs, even as affordability remains strained.

06/26/2025

FICO announced on Monday that it will begin implementing the first-ever credit scoring model that incorporates buy now, pay later data

06/26/2025

We are in a buyers market, meaning you can get into your dream home for less than you might think. Call or email me for information.

623-225-6305
[email protected]

Will ensure you get the best rates possible for your particular scenario.

Patrick McCormack
NMLS 1946768
AZ license 1027984
Colorado License 100530973

With

Anchor Funding Inc.
NMLS #236419
6336 Greenwich Dr
San Diego CA, 92122

06/22/2025

If you’re paying high interest with credit cards, consider a HELOC, you can consolidate those payments into one payment without refinancing your entire mortgage! Could save you hundreds if not thousands of dollars a month!
Contact me today for more information!

09/13/2024

Rates have been improving, it may be time to refinance and or purchase your dream home!
Call me for a free personalized evaluation

08/27/2024

If you’re paying high interest with credit cards, consider a HELOC, you can consolidate those payment into one payments without refinancing your entire mortgage! Could save you hundreds if not thousands of dollars a month!
Contact me today for more information!