Specialties: Pat specializes in VA (Veterans Affairs), FHA and Conventional home purchase loans. Home Savings Trust also offers FHA 203k renovation loans, Homepath loans, refinance loans and HARP 2.0 loans.
Not offered: They do not specialize in investor loans, JUMBO loans, construction or land loans.
About Home Savings Trust & Pat Cunningham
Home Savings Trust is a local lender who knows our marketplace and has a solid community reputation to uphold.
Although Pat doesn’t claim to be able to perform miracles, he and his team have a desire to get things done and get them done right. He says “It’s having standards of yourself that are much higher than anyone else could possibly hold you too. We differentiate simply by saying what we do and then doing what we say….. We specialize in providing world class service.“
AND, Pat’s got news to share with you… in this video blog post, he shares some great news about new refinance options – even if you owe more on your mortgage than your home is worth:
You can check out his most recent post anytime, at http://www.PCunninghamBlog.com/
He’s also got a special page just for Vets… so check out this page: http://www.novavetloans.com/
Vicky’s 2 cents: Pat may not claim to be able to perform miracles and his own review of what his company does and doesn’t do is modest. In my experience with Pat, he stands out when compared to other lenders. First of all, he has an underwriter who is accessible when there are questions on the initial application – that’s huge. It means if you fall into a grey area he can get a black or white answer BEFORE you have your heart set on buying a particular home. His company can and will make reasonable exceptions to rules. I had one client who had switched jobs about 8 months before she wanted to purchase a home. The lender that her dad recommended qualified her, but refused to count the bonuses she was getting in the new position. This meant she couldn’t purchase the home she wanted. But, Pat was able to justify a reason for an exception to the rule (she’d been with the company for years, and had regular bonus payments that were verified to be likely to continue). And, he got his underwriter’s blessing before he issued the prequalification letter. That kind of flexibility can make your dreams attainable…. or not.
Ready to apply with Pat? www.PCunninghamHomeLoans.com
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