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Patrick Ritchie
Loan Officer | NMLS # 276438
Phoenix, Arizona Area | Mortgage
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Bay Equity LLC. Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 28 Liberty Ship Way Suite 2800, Sausalito, CA 94965; NMLS ID#76988 Alabama Consumer Credit License #22011; Arkansas Combination Mortgage Banker-Broker Servicer License #101024808; Arizona Mortgage Banker License #0910340; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077 ; Colorado Mortgage Company Registration #76988; Florida Mortgage Lender Servicer License #MLD1014; Georgia Residential Mortgage Lender Licensee #39887; Hawaii Mortgage Loan Originator Company License #HI-76988 | Hawaii Mortgage Servicer License #MS139; Idaho Mortgage Lender Broker License #MBL-7852; Illinois Residential Mortgage License # MB.6761094 and #6850059; Bay Equity Home Loans, 28 Liberty Ship Way, Suite 2800, Sausalito, CA 94111-4516, Illinois Residential Mortgage Licensee; Indiana DFI First Lien Mortgage Lending License #27854; Kansas-licensed Mortgage Company, Kansas Mortgage Company License #MC.0025218; Louisiana Residential Mortgage Lending License #76988; Michigan 1st Mortgage Broker/Lender/Servicer Registrant License/Registration #FR0019946, Michigan 2nd Mortgage Broker/Lender Registrant License/Registration #SR0019969; Minnesota Residential Mortgage Originator License #MN-MO-76988.1. Minnesota Residential Mortgage Servicer License #MN-MS-76988.2; 800 E. 101st Terrace, Suite 350, Office 347 Kansas MO 64131, Company Registration #18-2375; Montana Mortgage Lender License #76988; North Carolina Mortgage Lender License #L-168181; North Dakota Money Broker License #MB102667; Nebraska Mortgage Banker License; New Mexico Mortgage Loan Company License; Nevada Mortgage Broker License #3918; Licensed as a Mortgage Lender by the Oklahoma Department of Consumer Credit. Oklahoma Mortgage Lender License #ML002582; Licensed under Oregon Mortgage Lender License #4845; South Carolina BFI Mortgage Lender/Servicer License #MLS-76988, OTNN#1; South Dakota Mortgage Lender License #ML.05120; Tennessee Mortgage License #119622; Texas SML Mortgage Banker Registration #76988 . Texas Recovery Fund notice, Click Here: https://texreg.sos.state.tx.us/fids/201203137-2.pdf ; Utah DRE Mortgage Entity #7953347, #8895148, #8895149; Washington Consumer Loan License #CL-76988; NMLS ID#76988, click here: www.nmlsconsumeraccess.org/EntityDetails.aspx/ COMPANY/76988; Wisconsin Mortgage Banker License #76988BA; Wyoming Mortgage Lender/Broker License #2558 | NMLS consumer access: www.nmlsconsumeraccess.org/ EntityDetails.aspx/ COMPANY/76988
About Patrick Ritchie
Patrick Ritchie is a loan officer at Bay Equity Home Loans and the author of The Credit Road Map, an in-depth look into how the credit world works. He also wrote The Credit Road Trip for young adults to prepare them for the world of credit. He has spent seventeen years as a lender reviewing thousands of credit reports to prepare clients for the underwriting of their loans. He is an approved instructor with the Arizona Department of Real Estate, Ohio Department of Real Estate, and a Senior GRI finance instructor for the Arizona Association of REALTORS®. Patrick operates the Ritchie School of Real Estate Finance, which provides continuing education for professional licensing in real estate, financial planning, and accounting. Patrick has a Bachelor of Science in Business Administration from the Ohio State University and a Master of Legal Studies from Arizona State University Sandra Day O’Connor College of Law. He is certified by Westlaw in advanced legal research and holds a certification in the Fair Credit Reporting Act. Patrick.Ritchie@outlook.com 480-203-4641 Cell Patrick Ritchie - Senior Loan Officer Bay Equity Home Loans 430 W Warner Rd, Ste 114 Tempe, AZ 85284 NMLS ID 276438 Bay Equity NMLS ID #76988 Specialties: Mortgage, Condo Financing, Credit, Mortgage Guidelines, FHA Guidelines, VA, Fannie Mae, Freddie Mac, Investment Property, FICO Scores, Credit Reports