About Pat Gannon
As a trusted mortgage lender in MD with over two decades of experience, Pat Gannon takes great pride in helping Maryland homebuyers achieve their dreams of homeownership. After graduating from Elon University in 1996, Pat joined the mortgage industry in 1999 and quickly became the top producer at his previous two companies. Now at leading nationwide lender Rate, Pat brings his seasoned expertise and excellent customer service to deliver a seamless mortgage experience for borrowers across Annapolis and the surrounding areas. **His specialties include:** • Conventional, FHA*, VA**, USDA mortgages • Home refinancing and low mortgage rates • Jumbo loans for luxury homes • First-time homebuyer loans and down payment assistance Pat's clients consistently praise his dedication, with one saying: "Pat made our complex situation happen smoothly and got us a great rate!" Another noted, "Rate provided unparalleled service - attentive, responsive, and committed to our satisfaction." When not assisting homebuyers, Pat enjoys quality time with family and friends, watching sports, and cooking. He lives by the principles of prompt call-backs and always following through. If you need a reliable, highly experienced mortgage lender in MD, reach out to Pat Gannon at Rate today! **Rate is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.* ***Rate has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.*
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 10320 Little Patuxent Pkwy, Suite 1140 Columbia MD, 21044
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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