Patrick Beste
Get to know Patrick
With over 20 years in the mortgage industry, Patrick Beste is a Certified Veterans Mortgage Advisor and trusted expert in VA, FHA, conventional, and Non-QM loans. He helps clients strategically navigate entitlement, complex income scenarios, and underwriting guidelines with clarity and precision. Known for being meticulous, transparent, and easy to talk to, Patrick structures every file properly from the start—creating a smooth, organized, and stress-free path to closing.
Why choose Patrick?
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Brokerage info
Questions? Patrick has answers.
We prompted questions to Patrick so you can learn more about their skills, preferences, and availability.
We give the client an option to do a soft pull on credit. We also explain that we do not pull all 3 credit bureaus at that time so things are subject to change. If they prefer to get a full picture.
1. 30 days of paystubs, 2. W-2 for last 2 years, 3. 2 mo all bank accounts, 4. Drivers License, 5. Awards letters for any pension, VA benefits, SSI awards letter, 6. 2 yr tax returns self employed
Clients can expect clear guidance, proactive communication, and a well-structured loan from day one—so the process feels smooth, organized, and stress-free all the way to closing.
I am all for a client starting a conversation before they are ready to purchase and the reason is it helps us help them understand where they are and assist them in creating a plan.
We love helping those put a value on expertise. We make the process easy as making a peanut butter and jelly sandwich because we have the conversations upfront and gather the documents needed upfront