Patrick Black Mortgage Loan Officer NMLS 1514350

01/21/2026

Everyone is talking about prices being high and rates being up.

I said except me.

Not because I got lucky.
Because I bought when it was the right time for me and now I am benefiting from appreciation.

This is what most people miss.
Homeownership is a long game, not a headline.

If you want to learn how appreciation actually works and how to position yourself the right way, comment APPRECIATION to get registered.

01/16/2026

Teaching a first time homebuyer class and breaking down one of the most important differences between renting and owning.

When you rent, your deposit is gone. When you own, your payments help build equity and long term wealth. That is why homeownership can be such a powerful financial move when done the right way.

If you want to attend a session, I offer both virtual and in person options. Comment “Equity” to get registered.

01/15/2026

Everyone has a different experience when it comes to buying a home. Different concerns, different pros and cons, and different wants and needs.

The common theme I see over and over is this. The people who give themselves time to prepare and learn the process usually say it was actually pretty straightforward.

Preparation changes the experience.
If you want help preparing the right way, send me a message and let’s get started.

01/14/2026

Strangers often become clients. Clients often become friends. That tends to happen a lot in real estate. I don’t see as many friends turn into clients and honestly that makes sense, sort of. If you know me personally, you know I joke all day. But when it comes to homeownership, I don’t joke at all.

With nearly 10 years of experience and hundreds of people helped through real estate transactions, you are in good hands from start to finish.

And for anyone worried about privacy, your business stays your business. Confidentiality is part of the job and I take it seriously.

If you are thinking about buying, refinancing, or just want honest guidance, send me a message and let’s talk.

01/09/2026

Preparation matters more than perfection.
When it comes to being approved, the right plan makes all the difference.

If homeownership matters to you, comment READY 🚀 and let us talk about your next step.

Make sure you watch the next video in this series.

01/08/2026

This conversation matters to me.

As a first generation homeowner, I did not grow up with examples of homeownership around me. I did not have someone to look to and say this is possible for me too.

In this video, my client shares what made him decide to buy a home and why choosing an income producing property mattered to him, even knowing there would be challenges along the way.

This is not about pretending the process is easy. It is about showing that it is possible with the right guidance, patience, and mindset.

If you are a future first time homebuyer who has never seen yourself represented in homeownership, this is for you.

01/06/2026

Are people buying in the winter? Yes! Does it matter if it’s cold out or snow? No!

I just helped a client purchase a duplex and this is what smart homeownership looks like.

One property. Multiple opportunities.
Living in one unit while the other helps cover the payment and build long term wealth.

This is how you turn a home into a strategy, not just a place to live.
DM me if you want to explore how a duplex could work for you.

01/06/2026

Affordability is the reason this first time homebuyer is now a homeowner.

Using down payment assistance helped lower the upfront cost and create a payment that fits real life, not just an approval letter.

This is what happens when the lender and Realtor align early and focus on the numbers.

Appreciate Pat Davis for being a steady partner through the entire process.

If you are a buyer looking for clarity or a Realtor who values smooth closings, I am always open to a conversation.

11/27/2025

Big win for one of our clients. Realtor Lasha Raddatz and Mortgage Loan Officer Pat Black teamed up to help him secure a duplex that comes with a fully renovated attic featuring its own kitchen, bathroom, bedroom and living room.

This is the kind of setup that changes the game. He can live in one unit, rent out the second and use the attic as an Airbnb for even more income. Three livable spaces in one property gives him the chance to stack multiple streams of income from day one.

This is what creative homeownership looks like. One smart move can open the door to long term wealth and real financial freedom. DM to get started on your journey.

10/24/2025

10/24/2025

07/16/2025

🏡Thriving communities don’t just happen!
They’re built by the people who care! 🏡

Take a look at how the McKinley Neighborhood is creating a community they want to live in. I am proud to be a homeowner in the McKinley neighborhood! Events like this make homeownership worth it.