Patrick Avery - Mortgage Branch Manager, NMLS# 1508062

Patrick Avery - Mortgage Branch Manager, NMLS# 1508062 Mortgage Branch Manager
NMLS # 1508062
Equal Opportunity Lender

You don’t have to know everything about buying a home. That’s what I’m here for! I’m here to help guide you through the ...
09/09/2026

You don’t have to know everything about buying a home. That’s what I’m here for! I’m here to help guide you through the process, answer your questions, and help you feel confident from pre approval to closing.

If you’re thinking about buying a home, message me today and let’s talk about your goals and next steps!

NMLS # 1508062

Happy Labor Day!Thank you to everyone who helps make our day-to-day possible! Enjoy a much needed and well-deserved brea...
09/07/2026

Happy Labor Day!
Thank you to everyone who helps make our day-to-day possible! Enjoy a much needed and well-deserved break.
https://myoc.io/

NMLS # 1508062

06/18/2026

100% financing with no mortgage insurance? Doesn't have to be a first-time homebuyer? Rate in the 6s? Yes, we can do it! Call me to see if you qualify!

May was a standout month, earning a spot as a Top Producer with over $2.7M in production and 6 families helped.I truly l...
06/11/2026

May was a standout month, earning a spot as a Top Producer with over $2.7M in production and 6 families helped.

I truly love what I do, and helping families move closer to homeownership never gets old.

Grateful for my clients and agent partners who continue to trust me throughout the process!

It's Tax Day! Did you know that homeownership comes with some awesome tax perks! Here are a few ways your home can help ...
04/15/2026

It's Tax Day! Did you know that homeownership comes with some awesome tax perks! Here are a few ways your home can help you save:

Mortgage Interest Deduction: Reduce your taxable income by deducting the interest on your mortgage.

State & Local Tax Deductions: Get deductions for state and local taxes, including property taxes.

Home Improvements: Certain improvements, especially those for medical or accessibility reasons, may qualify for tax breaks.

Green Energy Upgrades: Invest in eco-friendly upgrades like solar panels and energy-efficient windows, and you could qualify for credits and deductions!

📣 Great News! FHLB Grant Funds are back February 23, 2026! FHLB has announced the return of three grants for first-time ...
02/13/2026

📣 Great News! FHLB Grant Funds are back February 23, 2026! FHLB has announced the return of three grants for first-time and repeat homebuyers:

🏡 $17,500 First-Time Homebuyers Grant
🏡 $20,000 Community Heroes Grant
🏡 $15,000 Workforce Housing Plus+ Grant

Funds are limited and are available on a first come, first served basis.
Contact me today to confirm your eligibility and get started!

02/06/2026

Wanted to share a success story we had today. There's a buyer that we're helping who had their offer accepted. The buyer received 3% closing costs from the seller. After going through several options, I showed them a 2-1 buy down.

This lowered their rate to 4.375% for payments 1-12, then 5.375% for payments 13-24, and then 6.375 for the rest of the loan. This saved them over $9,000.00 during the first two years.

If you are interested in learning 2-1 buydowns or other mortgage options, feel free to reach out!

02/05/2026

Just helped two VA clients take their rate from the low 6 to 4.99%. Call me if you’d like to see if there’s a way to save you money each month!!

01/14/2026

Continuing the conversation from yesterday. This morning the MBA (Mortgage Bankers Association) released their mortgage application for data last week.

Rates feel from 6.25% to 6.18%. At this point last year rates were above 7%.

The drop-in rates caused purchases to rise by 16% last week and up 13% year over year.

Refinances were up 40% last week and 128% year over year.

What does this mean? Yes, rates are lower but there's more competition. More competition can lead to higher sales prices potentially. There's also more overall volume. This can potentially lead to slower turn times. So, get pre-approved early. Call me to learn about our Priority Approval which allows you to shop with confidence.

01/13/2026

🏡 The Market is Heating Up! 🔥

Great news for homebuyers: rates are dropping, and we’re seeing buyers jump back in creating competitive situations in many areas. If you’ve been waiting for the right time, this is it!

Grant funds are available now and even more will be coming soon when FHLB funds are released. We just secured a veteran $10,000 for their closing!!!

Getting pre-approved today puts you ahead of the competition and ready to act fast.

Call me today at 757-274-9443 or send me a message to get started! Let’s make your homeownership dream a reality. Don’t wait this market is moving quickly!

Address

111 Walt Whitman Avenue
Norfolk, VA
23606

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