Headshot of Pat Lavell

Pat Lavell

Branch Manager

Pittsford, NY Mortgage Lender

NMLS #179233

Adress
1173 Pittsford-Victor Road, Suite 155
Pittsford, NY 14534
Contact Methods
Email
tel Phone
917-277-3363
mobile Mobile
(585) 233-3005
fax Fax
917-277-3363
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Pat

Hi, I’m Pat, and while I can provide mortgages for any residential property, my specialty is financing co-op apartments. I’m skilled at guiding clients not only through the home loan process but also through co-op approval. I’ve worked with everyone from first-time buyers to world-famous individuals and will give you the same star treatment from application to closing and beyond.

Having served a wide variety of clients, I know mortgages are as unique as the individuals applying. Whether you’re a first-time homebuyer looking for down payment options or a Wall Street trader wanting an interest-only loan, I’ll tailor a personalized plan for your needs. I offer a wide range of mortgage products, including jumbo, super jumbo, foreign national, and more, to match your co-op transaction.

For accurate information, feel free to call or text me anytime. I look forward to helping you navigate your home financing journey in Pittsford, NY with America’s #1 Retail Mortgage Lender.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • A co-ap with moving boxes
    Published on

    What makes a Co-op “Non-Warrantable”?

    So what makes a building “non-warrantable”? There are probably dozens of things that could make a building non-warrantable, but in my experience there are 5 common issues.

  • First time homebuyers learning about programs to finance Co-op buildings.
    Published on

    1st Time Buyer Programs for Co-ops

    Many buyers think that a down payment of 20% or more is required for a co-op. However, that’s simply not true with all buildings!

  • A potential borrower learning about Co-op buildings.
    Published on

    So What Is A Co-op, Anyway?

    Co-op is short for a Co-operative building. The building and land are typically owned by a corporation whereby a buyer is buying shares in the corporation (the co-op) in order to buy in the building.

  • Homeowners learning about purchasing a co-op apartment
    Published on

    The Financing Process for a Co-op Apartment

    I’m often asked if the mortgage process and rates are different for a Co-op compared to other property types.  Generally, the rates tend to be similar for a Co-op compared with other property types.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

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

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