XO Mortgage Fifth Ave J, San Diego

We are return customers to Patrick and team. We closed on our home after 2 years of going back and fourth in this hectic market. He was available whenever we had questions and made the process easy. He was transparent and always gave several scenarios to fit our needs. This was a positive experience and we can't wait to do business with him on our future investments.

I was closing on a house in a new city before I even moved there, and while being in the midst of a brand new job. And Patrick and team made it a breeze. They took care of everything, and had an easy way for me to provide information, and documents digitally, so I always knew where everything was and never had to resend. They handled all of the back and forth with the lenders, the title company, the seller, and my realtor. I would recommend them to anyone that wants to have a successful and painless lending experience, and a broker that’s looking out for YOU.

We had the pleasure of working with Patrick Wingate with XO Mortgage this summer and could not have been more pleased. Patrick was attentive to our client and delivered as promised. Our client is a VA buyer and the loan process was extremely efficient. We would recommend Patrick to any of our clients. Thank you!

I am so happy I decided to work with Patrick, and his team at XO Mortgage. Patrick, was such an amazing support during the process of my refi, he was always available to help answer all of my questions no matter the time of day. I am very impressed with the quality of work and service they provided me with along the way, although, we ran into a few hiccups, he and his team were quick to jump in and help smooth things out. Thank you Patrick!!

Patrick was an amazing support to me in the process of selling my home. He sat down with me to review my selling options and do a CMA, referred me to a wonderful escrow/title team, and helped me review my offers and make a winning selection. He and his team gave me the information and support I needed to feel confident in selling my home for the first time...and to have a successful sale. I highly recommend him for all your home and mortgage needs.

Patrick Wingate and XO Mortgage made my wife and I’s home hunting and home purchasing super easy! From the moment that we got in contact with Patrick, Patrick asked us some basic questions about what we were looking for and once we answered those questions the process of home buying became a little bit easier. Buying a home is super stressful as it is but knowing that you have people like Patrick and XO Mortgage to lean on for question and concerns is what makes it one less thing to worry about. We are extremely grateful that we got to work with Patrick and would 100% recommend other people to contact him for help with home buying.

The XO team was so great to work with. My wife and I were first time home buyers and Patrick walked us through the whole process and helped us with the endless questions we had. And on top of that he got us a great rate!

Had a great experience working with Patrick and Wendy! Patrick was very responsive and patient with all the questions I had related to the mortgage process, especially as a first time homebuyer. I highly recommend XO Mortgage and will reach out to them again in the future if I ever choose to buy a new home.

Patrick was a wonderful mortgage agent to work with! With my husband being deployed and me living across the country from San Diego, purchasing our first home together was a tad tricky. But Patrick and XO Mortgage made the process go as smoothly as possible! I felt like they were right here with me keeping me updated every step of the way so I knew exactly what needed to be taken care of in what order. Great company to work with!

Working with XO Mortgage- Patrick and Alana, was an amazing and smooth experience. The easiest part of the real estate process was the loan, not a single bump. Patrick preapproved us first and also helped us getting the best rate and terms. Alana was so professional, efficient and nice! If you want attention to detail, personal treatment and a smooth closing, please don't look any further. Our closing was exactly 21 days! Thank you XO Mortgage!!!