Kevin Patrick - CrossCountry Mortgage

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

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan...
10/29/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6180BHbq8r

Own your home and your timeline. We'll help you buy when you’re ready — even if your current home isn’t. Get the Buy Now...
10/27/2026

Own your home and your timeline. We'll help you buy when you’re ready — even if your current home isn’t. Get the Buy Now, Sell Later basic: http://spr.ly/6185BHrSBF

Your income may not look like everyone else's, and that's okay. We offer financing options designed for self-employed bo...
10/22/2026

Your income may not look like everyone else's, and that's okay. We offer financing options designed for self-employed borrowers, independent contractors and business owners. Learn more: http://spr.ly/6188BGXro2

Having equity means having options. Let’s explore the best way for you to access yours. Learn more: http://spr.ly/6189BG...
10/20/2026

Having equity means having options. Let’s explore the best way for you to access yours. Learn more: http://spr.ly/6189BG7J6X

Your home can be part of your plan for what’s next. A reverse mortgage may help you access your home equity without sell...
10/15/2026

Your home can be part of your plan for what’s next. A reverse mortgage may help you access your home equity without selling or moving. Learn about your options: http://spr.ly/6182BGXroA

10/15/2026

Your accountant is quietly working against your mortgage, and nobody warns you until it's too late. Every deduction lowers your taxable income — great for April, terrible for a lender who needs to prove that income two months later. 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.




10/14/2026

You can have very little income and still qualify if you've got assets. Retirees, investors, and people between ventures often have real money but no paycheck, so the system reads no income and stops cold. An asset-based loan qualifies you on what's left after your down payment and closing costs, with remaining assets needing to cover a set multiple of the loan. No pay stubs, no tax returns; the exact rules vary by program, but the money you already have can be the qualifier. Not having a paycheck isn't the same as not qualifying.




That’s a biiiiig question. Our Rent vs. Buy calculator can help you start answering it. Find it here: http://spr.ly/6186...
10/13/2026

That’s a biiiiig question. Our Rent vs. Buy calculator can help you start answering it. Find it here: http://spr.ly/6186BGSL1e

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1864 Winchester Avenue
Woodstock, VA
25405

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