About Patrick Gardner

In a modern world that seems mainly transactional, the most important thing I can foster is trusted relationships. My passion is transforming lives through financing home ownership and prudent investment in real estate. Being trusted with someone’s largest purchase or financing their commercial investment is the highest compliment I can receive from my referral partners, clients and friends.

As a NorCal Native with more than a dozen years of experience in mortgage finance and real estate I feel well equipped to serve my client’s needs. I have insight into ever changing market dynamics, mortgage products and listen deeply to clients needs, which in a complicated real estate transaction can be the most valuable skill of all.

Accountability and Trust:

People do business with and refer their clients to individuals they trust. Staying on top of loan contingencies, setting proper expectations and meeting close of escrow dates can mean the difference between a happy customer or an irate one. I pride myself on open communication, due diligence and organization. When a client of mine gets their keys and opens the door to their future it completes a transformative process which I am honored to play a part in.

Residential and Commercial Financing:

In my career I have had the privilege of selling and financing a wide variety of condominium projects, single family homes and multi-family dwellings throughout the bay area. This breadth of experience has allowed me to work on a variety projects including small apartment conversions – built by Bay Area families – all the way to residential towers that make up the San Francisco and Oakland skylines. The nuances and hurdles of residential and commercial mortgage finance are significant, but with the proper planning and know how it can be made easier and less painful for all involved.

APM CA-DRE #01215943
Equal Housing Opportunity

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