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Pat Cunningham
About Pat Cunningham
703 851 2963 office
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703 352 1289 fax

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Lowest Cost Guarantee at the bottom....

We are truly passoniate about our profession. The result is nearly 100% of our business is by referral from satisfied clients, trusted financial advisors, and the most experienced realtors in the DC metro area.

Our mission is to carefully guide you through the entire home loan process, so that you can feel confident as you make choices about the many options availible for your financing strategy. With many years and a wide range of experience in the mortgage industry, our dedicated teams ready to assist each and every step of the way.

We understand... that it's not just your house, it's your home. Your home is one of the largest financial commitments your will make during your life, and many people view that as meaning just another monthly payment. We can help you realize that your home is a truly valuable financial tool, and will help you achieve the dreams and plans you envision for your future.

You only think about home financing a few times during your life. We think about it every day. It's your home and your future, it's our profession and our passion. We are ready to work for your best interest.

"Lowest Cost Guarantee"

Do you want the lowest possible closing cost for your mortgage loan, but are tired of trying to compare the fine print and determine the bottom line difference between the quotes made by various lenders?

I will guarantee you the "Lowest Bottom-Line Closing Costs" on your residential mortgage loan. It is that simple.

When we meet to prepare your loan application, I will give you a "Good Faith Estimate" of your anticipated closing costs. This is a form that all lenders are required to give you by the federal government. This will be the basis for our guarantee and cost comparison.

You are welcome to shop all other local lenders for a lower cost. If you can find one, bring me their signed and dated "Good Faith Estimate" and upon comparison and verification, I will either match or beat the other lender's bottom-line closing costs.


If I can't do that, I will pay you $100 for your time and cheerfully transfer your complete loan file to the lower priced local lender! You are "guaranteed" the lowest cost, no matter what. No games, no excuses, no waiting.  

This Guarantee will be validated by your Loan Officer upon completion of your Loan Application. Once you "lock" your rate and terms, all comparisons for purposes of this guarantee are deemed complete to your satisfaction. No comparisons will be made of guaranteed after you loan is locked.

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Home Savings and Trust Mortgage
3701 Pender Drive Suite 150
Fairfax, VA 22030
Phone (703) 766-4636
Fax (703) 352-1289

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