About Patti O'Connor
Patti O'Connor is a highly experienced Loan Officer based in Washington DC, with an impressive track record spanning over 20 years in the industry. As an originator, she is dedicated to fully understanding her clients' financial needs and possesses the knowledge and resources necessary to help them secure a mortgage that aligns perfectly with their requirements.
With her role as an Executive Finance Manager, Patti has three fundamental goals that guide her approach. First and foremost, she aims to address any and all questions her clients may have regarding mortgage financing, ensuring they have a comprehensive understanding of the process. By simplifying the home financing experience, Patti strives to provide her clients with a seamless journey while maintaining a superior level of service.
Building trusting relationships with her clients and their families is another key aspect of Patti's work. She understands the importance of establishing rapport and mutual understanding, fostering an environment where open communication and collaboration flourish. By prioritizing these relationships, Patti creates an atmosphere of trust and confidence, allowing her clients to feel supported throughout the mortgage process.
Above all, Patti's ultimate objective is to guide her clients to the settlement table on time, ensuring their satisfaction and minimizing any surprises along the way. With her wealth of experience and attention to detail, she orchestrates each step of the mortgage journey meticulously, leaving no room for unexpected obstacles.
Patti O'Connor's dedication, expertise, and commitment to providing exceptional service make her a trusted advisor for individuals seeking a mortgage in Washington DC. Whether you are a first-time homebuyer or a seasoned investor, Patti is the Loan Officer you can rely on to make your home financing experience smooth, informative, and ultimately rewarding.
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.625% | 6.948% | 0.958 ($3353.00) | $2241.09 |
| 15-year fixed | 5.750% | 6.139% | 0.649 ($2271.50) | $2906.44 |
| FHA loan | 6.124% | 7.125% | 0.75 ($2289.38) | $1991.28 |
| VA loans | 6.075% | 6.641% | 0.955 ($3902.13) | $2469.50 |
| Jumbo loans | 6.350% | 6.592% | 0.935 ($8415.00) | $5600.12 |
* Rates current as of 3/16/2025 04:00 pm, provided by Patti O'Connor, for Howard County, MD, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 10320 Little Patuxent Pkwy, Suite 1140 Columbia MD, 21044