Certified Mortgage Advisor
VA Loan Specialist
Renovation Loan Specialist
Producing Branch Manager
Looking for a Home Loan?
Whether you’re buying your first home, using your VA benefits, purchasing a fixer-upper or simply trying to understand what you can comfortably afford, I’ll help you build the right financing strategy.
Are You a Mortgage Loan Officer?
You’re not just looking for another company. You’re deciding where you can build the next stage of your business.
Explore how our branch approaches leadership, support, technology, culture and growth.
HOME LOAN OPTIONS
Support for every stage. Whether you are purchasing, refinancing, or planning your next move, you can expect clear answers, practical guidance, and a process tailored to your goals.
Buying Your First Home Doesn’t Have to Feel Complicated
Understand your buying power, down-payment options, monthly payment and what to expect before you ever start making offers.
Patti Jo’s Guide:
3.5% of the purchase price is the minimum to put down BUT you may need additional funds to cover the closing costs. If the sellers cannot cover any of the closing costs if at all, we have a down payment program that just may help!
Use the VA Benefit You’ve Earned
VA financing can be one of the most powerful mortgage options available to eligible veterans and service members — when it’s structured correctly.
Patti Jo’s Guide:
We will give you straightforward guidance on eligibility, entitlement, funding fees, appraisals, closing costs and VA financing strategies.
Plus VA has the lowest rates! Even way lower than a Conventional Loan and also has no PMI!
Buy the House.
Finance the Improvements.
A home that needs work doesn’t always require walking away or draining your savings after closing.
Explore mortgage options that can combine the home purchase and eligible improvements into one financing strategy.
Patti Jo’s Guide
You can always add to the home when purchasing and still put the minimum required down. BUT if you decide after you close, you’ll have to wait until you have over 20+% in equity into the home…that can take upwards of 7-11 years!
For Self Employed and Real Estate Investors, there are a variety of home loan options that do not require income documents and tax returns!
We help guide you through all of this as non-traditional loans are designed as an alternative for complex income scenarios.
Patti Jo’s Guide
Both my husband and I were self employed when we bought our home and we used the bank statement loan. Because the loans are non-traditional, expect to have a slightly higher interest rate. However, the DSCR loans are coming in right similar to current Conventional loan rates!
Local guidance you can trust
About Patti Jo
Your Home Lending Guide is built around personal service, transparent communication, and a steady approach to one of life’s biggest financial decisions.
Why clients feel supported
A calm, informed approach helps borrowers feel prepared and confident throughout the mortgage process.
★★★★★
PJ and her team were instrumental in us securing our first home. With living overseas prior for 7 years, coming to the states to purchase a home, we had a lot of questions and concerns. PJ was able to assist us with everything.
First-Time Buyer
Rockwall County
★★★★★
Working with PJ at LoanDepot was truly one of the best parts of our home-buying journey. From the very beginning, she was professional, knowledgeable, and incredibly supportive. Buying a home can be overwhelming, but PJ made the entire process feel much less stressful.
Move-Up Buyer
Greater DFW Area
★★★★★
One of the easiest and best experiences I had was working with PJ. Her and the team she had kept everything moving smoothly and gave me notice of what to expect next in the entire loan process.
Self-Employed Client
North Texas
If you are buying, refinancing, or exploring your options, let’s start with a conversation focused on your goals and timeline.
