The Non-QM Guru.
I finance the borrowers conventional lenders can't — and I make the process feel human while I do it. That's the whole practice, and the whole promise.
- NMLS #412470
- AnnieMac Home Mortgage
- “Stellar” on Experience.com
- Serving borrowers nationwide
Most mortgage professionals are built for the standard file: a W-2, two years of clean tax returns, U.S. credit. I built my practice around everyone else.
As a Non-QM specialist with AnnieMac Home Mortgage, I work with foreign nationals buying U.S. property, Americans earning abroad, self-employed business owners, gig workers, and investors scaling their portfolios. These are people with real income and real assets — they just don't fit the box a conventional underwriter is trained to check.
My job is to read the whole story and find the program that says yes. It's detailed work, and it rewards a specialist who does it every single day. Clients tell me the difference is the communication: prompt, clear, and honest from the first call to the closing table.
- NMLS #412470
- AnnieMac Home Mortgage
- “Stellar” on Experience.com
Pat, with his family — the reason behind the long hours.
Four commitments, every file.
Specialist focus
Non-QM is the whole practice, not a sideline. Doing this every single day is exactly what closes complicated files.
Prompt, clear communication
Clients consistently say the same thing: fast answers, plain explanations, no chasing. That's the standard, not the exception.
Honest guidance
You'll hear the real path — even when the honest answer is “let's wait” or “here's what to fix first.” No stringing you along.
In your corner
Long hours and persistence when a file gets hard. Getting you to the closing table is the job — and the reputation.
The path to “yes.”
Step 01
The conversation
A short call about your actual situation — income, goals, the property. You'll get an honest read on the spot.
Step 02
The match
Pat maps your file to the right program — bank statements, DSCR, assets, foreign income — and shows you real numbers.
Step 03
The file
A short, specific document list. Pat handles the lender, the underwriter, and the follow-ups. You stay informed, not buried.
Step 04
The close
Clear to close, keys in hand. Most clients' next call to Pat is about their second property.
Nationwide
Serving borrowers coast to coast
NMLS #412470
Licensed & verified
Non-QM
Specialist, not a generalist
STELLAR
Experience.com approval rating
“Pat Villano is a trailblazer in alternative lending. His unwavering dedication to helping borrowers with unique financial profiles achieve their real estate goals is unmatched in the industry.”
Ready to explore your options?
Schedule a one-on-one consultation with Pat and take the first step toward your real estate goals — even if you've been told “no” before.