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Your Local CrossCountry Mortgage Loan Officer

Patty Davis

  • Senior Loan Officer
  • Wilmington, NC Mortgage Loan Officer
  • NMLS # 111521
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Building homes with construction loans

Hello! I’m Patty, a senior loan officer and branch manager at America’s #1 Retail Mortgage Lender who has served Wilmington, NC, and the surrounding area for over 18 years. I truly love what I do and take pride in helping clients achieve homeownership with confidence and clarity.

I specialize in construction loans, bringing deep knowledge of the local market and today’s financing options. Offering a wide variety of mortgage solutions, including conventional, FHA, VA, USDA and Non-QM loans, you can trust me to help you find the right product for you.

Whether this is your first home, your next home or a refinance, I’m here to simplify home financing for you. I’ll walk you through each step of the mortgage process, answer your questions and keep you up to date on your loan’s status. From our first discussion to your closing day, I look forward to providing you with second-to-none communication and customer service.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Beautiful white and grey manufactured home.

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Save With Our Manufactured Home Loan

We’ll get you home for less℠ 

What’s affordable, sustainable, and energy efficient? A manufactured home! We make them even more affordable with a lower interest rate loan for qualified buyers. 

If the home is your primary residence, and you meet income requirements, you’ll get a lower interest rate and save money on your mortgage payment. 

Ready to save every month? 

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Frequently asked questions

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