Patty Porto, Mortgage Loan Officer

I’ve spent the last 20 + years turning “can’t” into “closed.” From first-time FHA buyers and HELOC seekers to investors stacking DSCR doors and builders pulling new-construction draws, I’ve structured thousands of loans that actually fund—on time and on budget. I’m Houston-based, Texas-licensed, and now powered by Loan Factory’s industry-leading rate engine and streamlined processing, which means my clients get banker-level pricing without the red tape.

What you get with me

• Speed & certainty. Full-file pre-approval in hours, not days.

• Clear options. I quote the real numbers—rate, payment, cash-to-close—no surprises at signing.

• Hands-on guidance. I manage underwriting conditions and appraisal snags so you don’t have to.

• Strategic mindset. Need a renovation loan or portfolio refinance? I’ll build the math that wins with the underwriter.

• On-the-ground experience. Two decades in real estate and construction management means I speak both builder and banker.

Whether you’re buying, refinancing, or scaling a rental portfolio, let’s cut the fluff and fund your next move. Connect with me below and I’ll show you exactly how we’ll get it done.