I had the absolute best experience working with Patrick Gallagher at Exhale Lending. Patrick is an…read moreexpert in all things real estate and lending--he walked me through every option available, from renovation and construction loans to standard mortgages, while also sharing insights on market rate trends, insurance providers, and smart loan strategies. He was always available for a call, even at odd hours and on weekends, and held my hand through every step of the process, which made things so much easier as a first time homebuyer. What stood out the most was his honesty and integrity. Even though he had the best rates and offers on the table, at the very last moment I received a discounted offer through my employer which was too good to beat. Patrick reviewed every competing option with me and genuinely advised that the employee discount was the better fit for my situation--even though it meant he wouldn't get my business. That level of customer care is rare, and it speaks volumes about his character. Patrick was always available for a phone call, saved me a huge amount of time and money with his guidance, and went above and beyond to make sure I felt confident in my decision. If you want someone who puts your best interest first, I can't recommend Patrick and Exhale Lending enough. He's the real deal.

Patrick and the entire Exhale team were amazing to work with. They guided me through the process…read moreand made me feel as if I was their sole client. He simplified the information for me to follow along, as I was a first-time buyer. Throughout the process I felt informed and valued as a customer. Would highly recommend to anyone in the area. 5 stars.

Stephen Livesay took the time to explain the details of our loan offer, and even helped us compare…read moreit to other offers, apples to apples. He answered many questions and had lengthy calls to assist us in making the best decision for our family. In the end, our builder's preferred lender offered incentives that Stephen said were actually worth "real money" and not just a shell game, adding fees here and there to make the offer look more appealing. He advised us to accept their offer and lock in the rate before any chance of changes. When we expressed shock that he would be so forthcoming when it didn't benefit him, he simply said that doing right by us would bring us back to his company in the future if we ever need another loan. He was absolutely terrific. (He also caught a major mistake that a big name bank made in their initial loan estimate to us. The big-name bank admitted that Stephen was correct.)

Made the process of purchasing our first home very easy. We got approval quick and knew everything…read morewe were getting into. I've heard horror stories about the underwriting process, but ours was relatively easy. Were definitely pleased with their services.

I reached out to Eleanor and Stephen back in 2012 when I wanted to refinance my home loan. I had an…read moreFHA loan and wanted to go to a 15-year option. I love the blog and website that they have and learned a great deal about various types of loans. I was transferred to Stephen and he was a pleasure to work with. He got me set up with a home inspector and I refinanced my loan to a lower interest rate. Stephen is the loan underwriter and he did it all. I still get their newsletters and recommend any one in NC looking for loan options to this dynamic duo. They know their stuff. I enjoy their new newsletter as well because it has lots of great information about all kinds of things beyond loans. Thank you!

Stephen provided expert, level headed advice, and delivered on his word to make the deal work…read more Buying a house can be a difficult process, particularly from the lending side, and for that reason I believe that working with Steve and his team is a great choice.

Decided to go with Pathway Mortgage Group, Inc. for our first time home buying experience, instead…read moreof the builder's lender upon buying a new development home becasue we felt much more comfortable with Barb and her team! Even with multiple delays due to construction, Barb honored her agreement with us to cover closing costs like builder's lender would have. Barb and her team were responsive and very professional throughout the whole ordeal and made sure we knew the steps along the way! Could not recommend Pathway Mortgage enough!!

I've done a refinance through Pathway Mortgage Group, and it started off very well. I got a call…read morefrom Barb talking about how good of an idea it is to refinance, and how I can save money on interest rates, etc. I was promised a quick, painless process that would get me the lowest rate on the market (that came out to be true). Then I was told that if I "close" the refinance before a certain date, I do not have to pay the interest, which would save me a good $500-800. On top, I was promised to expect a "small gift" coming to my house right after closing. Well come closing date, the closing date gets moved with no explanation. Now the attorney is asking me as to what's going on, and I have no clue and no success at getting in contact with PMG. The closing date gets moved by a whole week, then another 3 days. At this point I knew I would have to pay the interest, and was regretting my decision to refinance. Finally, I get a call back from PMG stating the facts about my closing, with no explanation as to why they ghosted me. Come closing day, I go in to sign the papers, and sure enough at this point I owe more than $600 in interest. Mind you, my closing attorney tells me this, as PMG did not call to go over the closing statement or explain any of the charges. I was sitting at the attorneys office, calling PMG and asking about each number they put on there. What a nightmare, and embarrassment. Here's my outtake: PMG is great at finding the lowest interest rates on mortgages. In terms of paper work, it was easy. However, communication with clients needs serious improvement. Also, I would have really appreciated if they simply said, "we are sorry we delayed your closing date costing you money". Instead they went with the approach of not calling back and completely ignoring my questions. On top of all this never received a gift or even as much as a thank you note for refinancing through them. Customer service needs work. I hope this helps anyone else looking to refinance through them.