top of page

On A Personal Note...

When you apply to us for a mortgage, we are required to obtain a whole docket of personal information from you, about you, including things like your marital status, number of children, what you do for a living, where you work, how much you earn, how much you have etc. etc.

We at Crossroads believe that we too, are applying "to you" when you select your mortgage representative and therefore we felt it only fitting that you get an idea of who we are personally too. And so, have a look on the personal side of our key players:



Pat has been married for 30 years (and yes to the same man.) and resides in Millington, NJ. Her oldest son attended Rutgers University and is currently an active member of the Army National Guard. Pat's middle son, a graduate of Penn State with a BS degree in Management Information Sciences, is currently employed as a Mortgage Loan Originator at Crossroads Financial. Pat's youngest, her baby girl, graduated from the University of North Carolina-Chapel Hill and is now a first year law student at Boston University. In her down time, when she can find some, Pat is an avid reader and makes jewelry and gift baskets. Her favorite place - the beach! In any town, state or country! Her favorite people to spend time with " her family" hands down! Her dream a home right on the beach where the first thing she sees in the morning is the ocean with all its power, grace and godliness.



Rich is the proud father of a 16 year old daughter, 15 year old son. Residing in Montgomery, NJ with his wife and children, their cats and 3 dogs.  We are all big animal lovers. Rich graduated from Rider University with a BS in Finance and also attended Raritan Valley Community College. Rich graduated with two associate degrees, one in Accounting and the other in Business Administration. He enjoys his free time fostering and volunteering with a local animal rescue. 



equal housing lender.png

Crossroads Financial Mortgage Inc. 450 Amwell Rd, Suite J-4 Hillsborough NJ 08844State of NJ - Department of Banking - Licensed Residential Mortgage Broker - NMLS ID No. 220376]

State of Florida - Mortgage Broker License MBR4830


As a mortgage broker, we arrange loans with third-party providers and cannot make any loan commitments or fund any mortgage loans.

bottom of page