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Patrick Roman - E Mortgage Capital

1.0 (2 reviews)
Open • 6:00 am - 8:00 pm

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Services - Patrick Roman - E Mortgage Capital

Mortgage services

Mortgage refinancing

Home purchase

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11 months ago

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Miller Lending Group - Miller Lending Group, LLC NMLS #118665

Miller Lending Group

(7 reviews)

Believe me, I had heard enough radio commercials to know that when it came time to refi, I was…read morebound and determined to experience their so-called no-closing-cost loan. But I knew I needed to be smart and check out other great sounding options. So I did. I offered several other companies our business, expressing the desire for a no closing cost loan. Other companies said sure we can do that, then when I looked at the fine print, it was obvious that they were just building the closing costs into a higher price point loan. NO. That was not what we wanted. I am happy to report that Skip at Miller Lending along with his team of hard-working folks achieved for us exactly what they have advertised and what we wanted. A no-closing-cost refi. It was all done via email and the internet. Even the closing part couldn't have been easier as the notary from the lawyer we chose came right to our house! Do you still have to go through the annoying process of supplying all kinds of personal financial information? Yes. But you have to do that with any mortgage loan. The whole process for us took about a month from beginning to end. Very much worth it as they have saved us about $300 a month!

I have done multiple loans (1 purchase and multiple refis) with the Miller Lending Group working…read morewith Gordon Miller, Skip Dyer, Brian Koncz and Lori Koncz in various combinations. I am very familiar with mortgage lending and could tell right away that I was dealing with knowledgeable professionals across the board. They were extremely responsive and kept everything on track to close all my loans without a hitch. I highly recommend Miller Lending for a home purchase or refinance.

Exhale Lending

Exhale Lending

(4 reviews)

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 was just absolutely amazing!!! If you want someone that will keep you posted from beginning…read moreto end it's him!! He is so friendly, professional, and spectacular code of ethics. Whenever I decide to buy another property I wont even hesitate in calling Patrick. Thank you for everything. And as you say CHEERS!

Patrick Roman - E Mortgage Capital - mortgagebrokers - Updated July 2026

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