-
5500 Main Street, Suite 304 Williamsville, NY 14221 Mobile (716) 807-7823 Tel (716) 330-4058 [email protected]
-
- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
-
- Purchase
- Refinance
Pat Lewis
- Outside Loan Originator
- Williamsville, NY Mortgage Loan Officer
- NMLS #1165297
I’ll be with you every step of the way
Hi, I’m Pat, a member of our Williamsville, NY team with America’s #1 Retail Mortgage Lender. Since starting in the mortgage industry in 2014, I’ve stayed because I love helping people find the right financial solutions. As both a loan originator and firefighter, my life is dedicated to serving others, and I bring that same commitment to my clients in the Buffalo community.
I specialize in finding solutions for clients who may have faced challenges with other lenders. Problem-solving and communication are my strengths. Whether you’re purchasing a home, refinancing, or investing, I offer a wide range of products, including conventional, jumbo, FHA, VA, and renovation loans. We’ll work together to find the one that meets your specific needs.
I’m proud to serve my clients, and I know I’ve succeeded when they recommend me to their friends and family. I look forward to providing you with a personalized loan experience and outstanding customer service.
Pat’s testimonials
Guides and resources
My social posts
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
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.