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- monday: 8:00AM – 8:00PM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 8:00PM
- saturday: 9:00AM – 5:00PM
- sunday: 11:00AM – 5:00PM
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Pat Commodore
- Vice President of Lending
- Virginia Beach, VA Mortgage Loan Officer
- NMLS #258536
I’ll be with you every step of the way
Hello! I’m Pat Commodore. I started in the mortgage industry in 2003 after several years as a real estate agent. I simply became tired of loan officers not being able to close my clients’ loans, so I learned the mortgage-side of buying a home. Now, I offer 26 years of combined experience and expertise in conventional, FHA and VA loans to help make your home purchase or refinance a smooth, stress-free and winning experience.
When you work with me, you’ll find I’m going 100 mph every day. I try to keep everything fun, and I thrive on helping people. Seeing the joy each loan approval creates is what keeps me moving and motivated to help more clients. I love my job!
I’m a family man who enjoys spending time with my wife and three children. I love travelling, especially on cruises. When I’m at home, I enjoy entertaining friends and family, manicuring my backyard and watching sports, mostly the NFL.
Please don’t hesitate to reach out if you need anything or have questions. I’m happy to help.
Pat’s testimonials
Guides and resources
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.