Author: Patrick Roman

I bring nearly twenty years of experience in the mortgage industry and have held every position, role, and title within that time frame. I have a B.S. in Business Administration and Marketing with a minor in Professional Golf Management from Methodist University. Staying ahead of market trends and industry changes, along with a concierge-driven approach, allows me to deliver outstanding customer service to my clients, real estate agents, and referral partners. Whether you purchasing, looking to renovate an existing home, or refinancing of an existing mortgage, my role and responsibility is to find you the most suitable mortgage product to meet your goals. I have an edacious appetite for lending guidelines, evolving market conditions, and industry knowledge that helps me to continuously improve the client experience. Who you work with matters, so let's connect!

Why Leaders Must Keep Customer Expectations at the Center During Times of Change

In nearly twenty years of working in the mortgage industry, I have held every position, role, and title imaginable. I have watched trends come and go, seen technology reshape how we do business, and witnessed countless headlines promising the next big disruption. Through all of it, one truth has remained constant: the lenders who win […]

Mortgage Market Analysis: AI Tools, Prepayment Trends, and What Inflation Means for Your Refinance Strategy

Twenty-five years ago this week, the world changed forever. Those of us who were working in financial services during that time carry those memories with us. I knew colleagues in the mortgage-backed securities space who lost their lives that September morning in New York. While we honor those we lost, our industry has always been […]

Mortgage Applications Slip Again as Rates Reach 6.85%: What Refinance Borrowers Need to Know

As someone who has spent nearly twenty years analyzing mortgage market trends from every angle of this industry, I can tell you that the latest application data tells a story worth paying attention to. Mortgage rates have climbed to 6.85%, and the ripple effects are showing up clearly in borrower behavior. Refinance applications dropped 6% […]

How Direct Lending Platforms Are Reshaping Mortgage Turn Times and Borrower Experience

The mortgage industry is witnessing a significant shift in how lenders approach loan processing and underwriting. Recent moves by various lending institutions to bring underwriting and funding capabilities in-house signal an important evolution in how borrowers will experience the mortgage process moving forward. As someone who has spent nearly twenty years in this industry and […]

The Real Estate Unbundling Trend Is Moving Past Commission Debates

After nearly twenty years in the mortgage industry, I have witnessed countless trends come and go. Some fade quickly, while others fundamentally reshape how we do business. The current unbundling movement in real estate falls squarely into the latter category, and it is evolving far beyond the commission debates that have dominated headlines. Let me […]

Historic WWI Factory Transforms into Affordable Housing: What This Means for Creative Financing in New York

When I first read about a World War I-era factory in the New York Adirondacks being converted into affordable housing, my analytical mind immediately went to work dissecting the financing structure. After nearly twenty years in the mortgage industry, I have developed what I like to call an edacious appetite for understanding how complex deals […]

How to Make a Case for Buying Now: FOMO Surfaces in the Data

There is a conversation happening in the mortgage industry right now that deserves your attention. The data is telling us something important, and after nearly twenty years in this business, I have learned to pay close attention when the numbers start painting a clear picture. The fear of missing out is not just a social […]

Back on The Pain Wagon: How Oil Prices Are Driving Mortgage Rate Volatility

If you have been watching the mortgage market lately, you have probably noticed something familiar creeping back into the picture. After a brief reprieve where Treasury activity dominated the headlines, fuel prices have reclaimed their throne as a primary driver of bond market movement. And when bonds move, mortgage rates follow. As someone who has […]

UAD 3.6 Updates, Reverse Mortgages, and What Lenders Are Watching Right Now

I was recently doing some bike riding through the Napa Valley, and I had a conversation with a wine maker that got me thinking about our industry in a new way. She explained that rising temperatures are forcing growers to buy land further south, closer to the San Francisco Bay where conditions remain cooler. Their […]

Bonds Picking Up Safe-Haven Demand: What This Means for Mortgage Rates Right Now

After nearly two decades in the mortgage industry, I have learned that the most valuable skill is not just understanding what is happening in the markets, but understanding why it is happening and what it means for your financing decisions. Today, I want to walk you through a fascinating development in the bond market that […]