Purchase Loans
First-time buyer or move-up — I find the program that fits your budget, whether it's FHA, conventional, VA, or USDA.
- Low down payment options
- First-time buyer programs
- VA & USDA eligibility
Licensed Mortgage Professional · NMLS #181267
Secure your dream home with a mortgage built around your life
I guide Annapolis homebuyers and refinance clients through every step — from first consultation to closing table — with transparent rates, personalized strategy, and a track record of smooth closings.
15+
Years Experience
500+
Families Served
A+
Client Rating
What I Offer
Mortgage solutions tailored to your goals
Whether you're a first-time buyer, looking to refinance, or investing in property — I match you with the right loan program and keep you on track from application to closing.
Refinancing
Lower your rate, shorten your term, or cash out equity — I run the numbers so you know exactly what you'll save.
- Rate-and-term refinance
- Cash-out options
- BREAK-EVEN analysis
Jumbo & Custom Loans
Higher-priced properties need specialized strategies. I structure jumbo and non-QM loans for Annapolis's unique market.
- Jumbo loan expertise
- Non-QM solutions
- Portfolio lender access
Pre-Approval & Planning
Know your price before you shop. I provide clear pre-approvals and long-term borrowing strategies tailored to your situation.
- Fast pre-approval letters
- Budget forecasting
- Credit improvement guidance
NMLS
#181267
About Pat Gannon
Your Annapolis mortgage partner — not just a processor
I've spent over a decade helping families in the Annapolis area navigate one of the most important financial decisions of their lives. Based right here in the city, I understand the local market — from historic row homes near the waterfront to newer developments in the surrounding communities.
At Guaranteed Rate, one of the largest mortgage lenders in the country, I bring both the resources of a national platform and the personal attention of a local professional. You'll work directly with me from start to finish — no hand-offs, no runaround.
Transparent Communication
No hidden fees, no surprises — just honest answers.
Local Market Expertise
Deep knowledge of Anne Arundel County lending landscape.
Commitment to Closure
I don't stop until your keys are in your hand.
How It Works
From inquiry to keys in four clear steps
01
Connect
Reach out by phone or email. We'll discuss your goals, timeline, and current financial picture — no obligation.
02
Explore
I pull custom rate and payment estimates for your situation, compare loan programs, and recommend the best fit.
03
Apply
Submit your application online. I guide you through every document needed and keep you updated at each milestone.
04
Close
Underwriting, appraisal, and closing — I coordinate everything so you walk into your new home with confidence.
Client Stories
What Annapolis homeowners say about working with Pat
"Pat made what we thought would be a stressful process feel completely manageable. He explained every option clearly and we closed two weeks ahead of schedule."
"We refinanced our home during a shifting rate environment and Pat kept us informed every step of the way. The rate he secured saved us hundreds per month — worth every conversation."
"As a veteran, I needed someone who understood VA loans inside and out. Pat walked me through the entire process and helped me get the best possible terms on my home purchase."
Get in Touch
Let's start the conversation
Whether you have a specific question or just want to explore your options, I'm here to help. Reach out by phone, email, or stop by our Annapolis office — there's no pressure, just a real conversation about what makes sense for you.
Office Address
175 Admiral Cochrane Drive, Suite 402 & 403
Annapolis, MD 21401
Annapolis, MD 21401
Phone
443-336-1248
Email
pat.gannon@rate.com
NMLS #
181267
