Patrice Flerx - Licensed Loan Officer Nmls#2062401

10/30/2026

Horror movies would be about twenty minutes long if anyone in them had a good mortgage broker.

You, on the other hand, read captions all the way to the end, which means you would survive every one of these.

Thinking about buying in the next year and haven’t talked to a lender yet? Send me the word ‘SURVIVOR’ and I’ll send you every document I’d ask for on day one, so nothing jumps out at you in underwriting.

– Patrice Flerx, your go-to loan officer NMLS 2062401

     

10/27/2026

“We’re waiting” is the most frustrating update in the mortgage process, mostly because it does not tell you what you are waiting on.

Most of the time nothing is wrong. Your file is just in a stage where someone else is doing their part: an appraiser, an insurance agent, an underwriter.

The stages that slow down are almost always the ones where a document is missing or something changed. That is why the “you can” line on every slide matters more than the stage name.

Comment TRACKER and I will send you the printable version of this checklist.

– Patrice Flerx, your go-to loan officer NMLS 2062401

     

10/25/2026

Every week someone online announces the crash is coming. Every year your landlord announces rent is going up. Only one of them has been right so far.

Send me a message and let’s look at your numbers instead of the headlines.

– Patrice Flerx, your go-to loan officer NMLS 2062401

     

10/24/2026

FHA is a great loan. It is also not the right loan for everyone, and I would rather you hear that before you apply.

Who should probably skip it:

1. Buyers with strong credit and a solid down payment. Conventional may price better, and conventional mortgage insurance can come off once you build enough equity.

2. Condo buyers whose building is not FHA approved. If the building is not on the list, FHA may not work for that unit.

3. Anyone buying a house that needs big repairs before move in. FHA has property condition standards, and a rough house can hold up your approval.

4. Buyers shopping above the FHA loan limit in their county. Limits are set by county and updated every year.

5. Anyone buying a place they will not live in. FHA is for your primary home.

Who it is great for: buyers who need more flexibility on credit or down payment, and want a loan built for getting started.

The best way to know is to see FHA and conventional side by side on your own numbers. That comparison is the first thing I run for most buyers.

– Patrice Flerx, your go-to loan officer NMLS 2062401

P.S. Most of my clients start by sending me a message right here on Instagram, so don’t be shy!

     

10/23/2026

10/21/2026

Every loan in NY has a type. Turns out, so do you.

Conventional rewards strong credit and a solid down payment, and it is usually the easiest one to outgrow mortgage insurance on.

FHA gives you more room on credit and down payment, in exchange for mortgage insurance and stricter rules on the house itself.

VA is worth a close look if you are eligible, so do not skip it just because nobody mentioned it.

USDA can be a great fit outside city limits, if the address and your income both qualify.

Tell me what you are looking for and I will tell you which loan is your type.

– Patrice Flerx, your go-to loan officer NMLS 2062401

     

10/13/2026

🏡 Real Estate Questions? Ask Me Anything! ✨

Whether you’re buying, selling, or investing, navigating real estate can feel overwhelming—but you don’t have to do it alone. I’m here to answer your questions, share insights, and help you make confident real estate decisions.

📩 Have a question? Let’s talk! 📞 +1 (631) 553-9797

LaTonya Clark | Associate Broker

10/12/2026

A great rate is worth fighting for. I will always tell you that.

But nobody talks about their rate the day they get the keys. They talk about whether closing week felt calm or chaotic.

Here is what a good closing experience actually looks like:

1. You know what documents I need before I have to ask twice.

2. You hear from me before you have to chase me.

3. Your final numbers match what you were expecting, with no mystery fees.

4. Nothing new gets asked for the day before you sign.

If you are comparing lenders right now, ask each one how they handle the last two weeks before closing. The answer tells you a lot.

– Patrice Flerx, your go-to loan officer NMLS 2062401

     

10/09/2026

Nobody grows up saying they want to be the person who reads a bank statement line by line.

Somebody has to, though. Somebody has to spot the deposit that needs a paper trail, ask about the car payment that is not on the application, and say out loud that the payment is tighter than you think before you get attached to a house.

It is not an impressive job to describe at a dinner party. It is a useful one. Most of what I actually do in a week is catch things while they are still easy to fix, so nobody finds out the week of closing.

So if your loan closes on time and nothing weird comes up, that was not luck. Somebody was paying attention early, when it was boring.

If you want that somebody on your side, send me a message.

– Patrice Flerx, your go-to loan officer NMLS 2062401

     

10/08/2026

This started as a joke and turned into a pretty accurate way to explain loan options.

The real point: there is no single best mortgage, the same way there is no best coffee. There is the one that fits your budget, your plans and how much surprise you can handle.

The only wrong order is the one you did not know you were placing. If you have only ever seen one quote, you have not really ordered yet.

Tell me your coffee order in the comments and I will tell you which loan you would probably love.

– Patrice Flerx, your go-to loan officer NMLS 2062401