Patrick J Cunningham of Virtue Funding LLC NMLS# 223287 W Grand St, Elizabeth

I highly highly highly recommend Patrick Cunningham. He is absolutely the best and worked endlessly with my wife and I to help us get our forever home. He was always available even during off hours and went above and beyond. I cannot say enough about him and he cares so much that he becomes part of the family! If my wife and I ever need another mortgage we will 100% be using him again!

I highly recommend Patrick and I would suggest that you seriously consider him as a resource before you move forward with financing. We had used Patrick on 3 different transactions. A refinance with construction dollars, a refinance after, and now another refinance. In each of these he was able to set the right expectations and deliver the lowest rate we could find. He has always been straight forward with us, letting us know that not every lender always has the lowest rate but fortunately in our case, he DID! Patrick was always available for questions and always had the answers, making the process that much easier. I just want to say thank you for your patience and delivering on what you promised!

Patrick Cunningham has handled two mortgages and two re-finances for me. He has not only been professional and accessible, but is extremely knowledgeable not only with standard mortgages but with VA and PBA as well. I have been impressed and appreciative enough of Mr. Cunningham’s work to recommend him to dozens of friends and family members, all have been equally satisfied with his work.

Patrick’s combination of attentiveness and responsiveness is second to none. First of all, he’s so good at what he does, and trustworthy, but what I think really separates him from the pack is that you feel like you must be his favorite client, getting the VIP treatment every step of the way—including the results. I wholeheartedly and without any reservations recommend Patrick for your financing needs. Outstanding.

Worked with Patrick on my refinance. We were able to get the entire deal done within 10 days of the initial conversation. The rate was lower than anyone else I had spoken with at the time and service was incredible. Patrick and his team made the process painless and I couldn’t be happier. Have already referred him to friends and colleagues and will continue to do so as time goes on. I highly recommend working with Patrick!

I've used Patrick a couple of times before, with excellent results. This time around, when I called his previous company, and found out he was no longer there, I immediately hung up, and tracked him down at Virtue. That should give a clear idea of how much I trust him; I do not want anyone else handling my loan. Once again, I had a great experience, with my refi getting processed extremely quickly and zero hassle. Patrick is super easy to work with, no hidden details, and he takes the effort to walk through the process and any questions. You can't go wrong with him!

Patrick was so helpful and a pleasure to work with. He is extremely knowledgeable in the lending business. He led me every step of the way and was very patient with me beings this is not my forte. He was always available for any questions or concerns. I would highly recommend Patrick to anyone who is looking for mortgage/lending service. Patrick is one of a kind and truly the BEST!!

Patrick is the best in the business. This was the quickest and easiest refinance I've ever done. He's knowledgeable, prompt, and incredibly friendly. All of my future refinances and purchases will go through Patrick.

Patrick helped us buy our first home! He was a Godsend as he was meticulous about getting everything we needed to close on the house. We are now in our forever home and are so happy and excited to make amazing memories there! If you are ready to become a homeowner Patrick Cunningham is your guy!!

Patrick is awesome! Truly a pleasure to work with. Very helpful, customer oriented, and champions excellent service. Made my life a lot easier and as a result, made the process of securing a mortgage stress-free.