"It took over 2 years to make our dream of building a home a reality and we could not have done it without the help, dedication and advice from Patrick.  It started with the purchase of a lot in Desert Hills, Patrick helped us us obtain the financing for the purchase of the lot. We then found a builder we liked and Patrick obtained the construction financing. The challenging financial markets sudden departure of Jumbo loans made it difficult to find quality financing but Patrick was able to accomplish this for us. He worked countless hours closing the vairety of loans we needed to complete the project. We couldn't be happier in our new home and have Patrick to thank. His experience and professionalism are unmatched as far as I'm concerned. We are proud to have Patrick as our mortgage planner and friend!"

                                                       - Frank Stubbs, Arizona Harley Davidson



  "We are more than proud to recommend the financial counsel and services that Patrick Gavin provides for our mutual clients!
In the past 16 years of knowing Patrick there has never been an occasion for disappointment.  He has handled every client with the utmost integrity and unselfish counsel.  We have personally been provided the utmost care in our own real estate transactions.  Patrick has been thorough, timely, patient in providing us with all of our options, and caring in giving us all of the options available.  We can send our clients to Patrick knowing that he will reflect our values in providing honest care and professional guidance."

                                                        -Steve and Sharon Dale, e-Pro, RECS Realty Executives


"More than any other mortgage lender we have dealt with, Patrick took the time necessary to identify our needs and make recommendations based on those needs. When our building project changed and evolved, you worked with us to accommodate those changes. Unlike the many subcontrators we dealt with that overpromised and underdelivered, you were always on top of our project, communicated well and frequently and did what you said you would do. When the "credit crunch" hit, you were proactive with us to make sure that we were protected from it. You definately earned your money on this job, and did so with a positive attitude, professionalism and true sense of caring."

"I hope we can work together again and would recommend you to anyone looking for a strategic partner to help guide them through the mortgage process."
                                                       
                                                        - Erik & Jennifer Hellum


"Patrick Gavin consistently communicates to everyone involved in the transaction, is the most ethical of people, and most of all he cares about our clients. We highly recommend him to all our clients."

                                                       - Jim & Becky King- Windemere Fine Properties

"I cannot thank you enough for always doing a phenomenal job. Sometimes I think I take you for granted because I know there will never be any surprises. I have been shocked back to reality when having to use another lender upon a client's persistence. You and your team take great care to make sure everything goes smoothly. And it always does!"

                                                         - Jeannine Bartnicki- Realty Executives


"I have been extremely impressed at the quality of service that you provide your cusotmers. You cover the whole financial aspect of mortgages and what is really the best option for the client.  I just wish I had met you before I obtained my own mortgage!"

                                                           - Jon Moser, CPA Johnson & Moser CPA's


"I have known Patrick for over twenty years and have personally used his services on several occasions. I refer my clients to him because I know they will receive excellent service and will have the opportunity to review all their options."


                                                          -Phillip Johnson CFP, Johnson Financial Advisors


"My wife and I have known Patrick for approximately 20 years. He has provided mortgage origination and brokerage services to my family and many of our clients. We have great confidence in Patrick and believe that others who deal with him will also appreciate his integrity and character."


                                                         - Jay Wiley- Partner, Snell & Wilmer L.L.P.

"I owe a great bit of gratitude and thanks to Patrick Gavin for his hard work and dedication in helping me purchase my new home. Patrick's strategies and planning are second to none.  From day one he made me feel like a friend, not just a client.  He genuinely wanted to see my dreams realized as if he was also fulfilling one of his own. I have and will continue to recommend Patrick to family members, friends and clients. Thanks Patrick, you're the best!" 

                                                         - Jack Stubbs, Arizona Harley Davidson