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Your Local CrossCountry Mortgage Loan Officer

Kevin Patrick

  • SVP of Mortgage Lending
  • Woodstock, VA Mortgage Loan Officer
  • NMLS #1036946

Your biggest decision is my biggest passion

Hello! I’m Kevin, Senior Vice President of Mortgage Lending at America’s #1 Retail Mortgage Lender. My passion for home financing began in 2013, when I went through the homebuying process myself. That experience inspired me to help others navigate the journey with confidence, and I’ve been committed to doing just that ever since. In 2024 alone, I had the privilege of closing over $40 million in loans, making homeownership a reality for many happy buyers.

My team and I pride ourselves on building strong, personal relationships with our clients. We specialize in working with first-time homebuyers and strive to be a trusted local resource for all things homeownership, investing, and financial growth. Whether you’ve already found your dream home or aren’t sure where to start, we’re here to guide you every step of the way.

On a personal note, I’ve been happily married for 10 years and have a five-year-old. When I’m not working, you’ll find me on the golf course or enjoying quality time with friends and family.

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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. 

Calculate your DTI ratio to see how much house you can afford 

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 family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Military member coming home to his daughter in his VA-funded home.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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. 

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

Inspiration for your home loan journey

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Frequently asked questions

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