Headshot of Patrick DeRosa

Patrick DeRosa

Sr. Loan Officer

Cape Coral, FL Mortgage Lender

NMLS #1464592

Adress
2366 Surfside Blvd, Unit C-107B
Cape Coral, FL 33991
Contact Methods
Email
tel Phone
239-236-2584
mobile Mobile
(201) 681-1581
fax Fax
239-236-2584
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Patrick

30 years of mortgage origination experience in the retail and wholesale arenas has allowed me to deliver superior service for my clients. When you work with me, I’ll guide you through each option and explain their benefits. Your goals and priorities are important, and I’m dedicated to helping you achieve them successfully. With my background and industry knowledge, I’m able to structure a home loan that fits your plans.

Whether you’re buying, refinancing, or renovating, I offer a wide selection of mortgage options. Conventional, FHA, VA, and USDA loans are just a few we can explore to achieve your homeownership goals. To ensure your satisfaction, I’d be happy to answer your questions and break down the process between application and closing. Your homeownership journey should be exciting, and I’m dedicated to making your experience memorable. I look forward to meeting you!

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
The kitchen of a new homeowner

Buying now means saving later

Don't fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you'll save upfront and thousands down the line.

Contact Us
*For full terms and conditions, visit ccm.com/buynowrefilater.
First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you 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.

Contact Me

Recent Posts and Articles

Blog

  • Man sitting on couch reviews financial records to help calculate his debt-to-income ratio (DTI).
    Published on

    How to Calculate Debt to Income Ratio

    Learn how to calculate your Debt-to-Income Ratio (DTI) to assess your financial health for loans. Discover tips to lower DTI and secure better loan terms.

  • Garden featuring a mix of flowers that flourish in the homeowners plating zone.
    Published on

    What Planting Zone Am I In?

    Find your USDA Plant Hardiness Zone to select plants thriving in your climate. Explore plating zones from Alaska to Puerto Rico for a flourishing garden.

  • Father and daughter stand outside of their new home
    Published on

    What Is A Lender Credit?

    Discover how lender credits can ease your homebuying journey by covering closing costs. Learn their benefits, drawbacks, and how they impact your mortgage.

  • Home buyer Family sits around together on couch in their new home.
    Published on

    National Association of Realtors Profile of Home Buyers and Sellers

    Discover insights from the National Association of Realtors 2023 Home Buyers and Sellers Profile: trends, data, and analysis for the real estate industry.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

Quick Contact Form

Send me a message below or give me a call at 239-236-2584

By clicking “Contact Us” I am agreeing to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to recurring contact from CrossCountry Mortgage, or its agents, at the number and/or email address I provided regarding products or services via live, automated or prerecorded telephone call, SMS (text message), or email. I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time. Terms & Conditions/Privacy Policy apply.