Patrick Wise

Branch Manager NMLS #1591677

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Patrick Wise

About Patrick Wise

Patrick “The Wise Lender” Wise began his mortgage career 25 years ago, helping thousands of families and contributing to over $1B in funded loan volume along the way.  Patrick has excelled in many roles in his mortgage career, including that of an underwriter.  This past experience gives him the upper hand when pre-approving new clients and has been the sole reason for an on-going track record of not having a loan denied by underwriting in more than 6yrs now!  Originally from Maryland, Patrick has been a Florida resident for over 25yrs now and brings a relationship-first approach shaped by his faith in God and commitment to helping others.  This is why in 2022 Patrick was given the annual Spirit Award for excellence in serving the local community while uplifting the spirits of his co-workers and promoting company values/culture.  Patrick believes the mortgage process should be handled with honesty, patience, and real care. Whether helping a first-time buyer, structuring a complex refinance, or stepping in to rescue a difficult transaction being failed by another lender, Patrick’s goal is simple: provide masterful insight, protect his client’s best interests at all times, and help them move forward with clarity and confidence.
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Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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  1. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  2. The Fixed Rate Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
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WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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