Your Dream Home Concierge 

Pat makes the home-buying process simple and transparent. By shopping wholesale interest rates for 50 loan programs, he’s able to help you save time and money. 

How it works

1. Review your Options

Pat has access to over 1,000 mortgage programs and can go over rates, options, and our process. 

2. Get Prequalified

Work 1-on-1 with Pat to get prequalified for mortgage. Pat’s expertise can help guide you to the right loan options with the savings of SELFi. 

3. Buy Your Home

Pat works with you and your agent from start to finish through the application process. As your Mortgage Coach he is able to advise both you and your agent and deliver a timely and transparent process. 

Buying a Home with Less Down, we have options:

10% down

Jumbo mortgage, no PMI, loan amounts up to $2M

3% down

Conventional mortgage with potentially no monthly PMI

3.5% down

FHA loans available to 580+ credit scores

10% down

FHA loans with credit scores 500 – 579

10% down

Bank statement program for Self-Employed

20% down

No doc investment properties

SELFi combines technology and expertise to find mortgage solutions tailored to you.

It’s the best of both worlds. The savings of a digital mortgage. Expert guidance when you need it. 

What our customers are saying:


“Patrick is hands down the most honest and transparent salesperson we have ever dealt with. He gave us all the information we needed to make a decision and was not at all pushy. We got a great rate for our refinance and the whole process was seamless.”

– Scott and Cameron, CA


“I am typically very skeptical, especially with companies I have not heard of before. But I did my research and everything led me to believe that I could trust SELFi.”

– Karen E., CA 


Pat is honest, timely and very communicative. He was available for me whenever I had a question or a concern and made this process seamless!

– Eric S., CA

Trusted. Experienced. Secure.

SELFi is on a mission to accelerate your path to financial independence. We’re starting with life’s biggest expense but are not stopping there. 

We’re serious about security and use bank level standards to ensure your personal information is securely stored.


Get in touch with Raul to obtain a mortgage tailored to your unique situation. 

SELFi helps home buyers achieve their dream home. Our brokers have access to thousands of loan programs, we are enable you to the right mortgage at a lower interest rate.

Ready to find your lowest rate?