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
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Pat

I can provide a mortgage for any residential property, but my specialty is financing co-op apartments. I’m adept at guiding individuals not only through the home loan process but the co-op approval process, too. I’ve provided financing for everyone from first-time homebuyers to the world-famous and will give you the same star treatment from application to closing and beyond.

From serving such a wide variety of individuals and homebuying situations, I understand mortgages are unique as the individual. The 1st Time Homebuyer may want information about what down payment options are acceptable, whereas the Wall Street Trader wants an Interest Only Payment option that allows for prepayments once an annual bonus is received. We’ve got mortgage products to suit these 2 extremes, along with everything in between. It’s my job to make a personalized plan to match our mortgage products with you and your transaction needs.

Here’s a brief list of products that we offer our co-op applicants:

  1. 1st Time Buyer
  2. Interest Only Payment options
  3. Reverse Mortgages (ages 62 and over) -available in January 2023
  4. 2nd Home / Pied-a-Terre
  5. Jumbo
  6. Super Jumbo
  7. Foreign National
  8. Non-Warrantable Co-op
  9. Investor / Non-Owner Occupied
  10. Refinance / Cash-out Refinance
  11. State of NY (SONYMA)
  12. Physician’s Loans

I recognize your need to have accurate information in a timely fashion. You can feel free to call or text me at (917)277-3363 and I’d be happy to provide you with the product, rate and closing costs information that you need for your transaction. I look forward to working with you on your home financing journey.

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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