-
11921 Freedom Drive, Suite 550 Office 559 Reston, VA 20190 Mobile (630) 802-3864 Tel (202) 951-3379 [email protected]
-
- monday: 9:00AM – 10:00PM
- tuesday: 9:00AM – 10:00PM
- wednesday: 9:00AM – 10:00PM
- thursday: 9:00AM – 10:00PM
- friday: 9:00AM – 10:00PM
- saturday: 9:00AM – 10:00PM
- sunday: 9:00AM – 10:00PM
-
- Down Payment Assistance
- First-Time Homebuyers
- Jumbo Loan
- Non-QM Loans
- VA Loan
Patrick Ruffner
- Senior Vice President of Lending
- Reston, VA Mortgage Loan Officer
- NMLS #364050
I’ll be with you every step of the way
Hi, I’m Patrick, and I’ve been in the mortgage industry since 2009. As a veteran of home financing, I’ve overseen over $10 billion in funded loan production and have been recognized five times in Mortgage Executive Magazine’s Top 1% of Mortgage Originators in America. My goal is to simplify the loan process for you and make it a smooth, stress-free experience with my Reston, VA team.
I started my career during a time of adversity, working in both operations and sales, which gave me a deep understanding of the financing process and how to help clients succeed. With 14 years of experience, I’ve honed my ability to assess each client’s unique situation and provide tailored solutions that align with their financial goals. From conventional to FHA, VA, and niche loan programs, I’m here to achieve your homeownership dreams.
I look forward to being your trusted advisor, offering transparency, integrity, and a lasting partnership for years to come — all with the backing of America’s #1 Retail Mortgage Lender!
My social posts
Guides and resources
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.
Inspiration for your home loan journey
Patrick’s testimonials
Frequently asked questions
-
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
-
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
-
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
-
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
-
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.