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Apply online now and get pre-approved in minutes, and gain the confidence to make your strongest offer.

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Welcome to Exhale Lending where homeownership dreams come true, worries disappear, and financial freedom begins.


Exhale Lending:
Where Excellence Breathes Trust


Meet Patrick

Patrick Gallagher

Founder, Senior Loan Officer

Check out current national mortgage rate trends by clicking this link.

Note that this is not a Rate Quote. For a more accurate rate quote, please submit a loan application, by clicking Apply Online, above.

Rate Trends

RE Performance

Monitor county-level Real Estate Performance in some of more sought-after counties in the Carolinas here.

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Because an Informed Borrower is a Confident Borrower.

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Click here to learn more about new products, services and offerings, and how they benefit you.

Exhale Lending is committed to delivering a seamless, stress-free mortgage process. We're your trusted financial partners for life, dedicated to simplifying your journey towards homeownership. Our expert team delivers personalized solutions and innovative strategies, ensuring you breathe easy while achieving your financial goals.

It's time to Exhale.

Expert Mortgage Guidance | Competitive Interest Rates | Time and Effort Savings | First-Time Homebuyer Support