Fostering Wealth and Dreams Through Homeownership
Where your worries disappear, and financial freedom begins!
Explore Your Options
The right mortgage starts with the right information.
Get pre-approved early and save time, build confidence, and streamline your search. Learn more
Patrick Gallagher
Founder, Senior Loan Officer
A transformative experience in the world of home financing
Dedicated for providing unparalleled service and creating a haven of financial peace for our clients.
Services & Offerings
Services
Mortgage Brokerage
Pre-Approvals
Consultations and Planning
Rate Quotes
Refi-Monitoring
Mortgage Types
Purchase Loans
Rate/Term Refinance Loans
Cash-Out Refinance Loans
Construction Loans
Reverse Mortgages
Mortgage Products
Conventional Conforming Loans
Jumbo Loans (Non-Conforming)
FHA, VA, and USDA Loans (Agency)
Non-Qualified Mortgages (“Non-QM”)
HELOCs and 2nd Lien
Loans
Tailored Solutions
Down-Payment
Assistance
Debt Service Coverage Ratio (Non-QM)
Bank Statement Loans (Non-QM)
No-Income / No-Ratio Loans (Non-QM)
ITIN Borrowers
(Non-QM)
Niche Property Types
One-Time-Close Construction
Land/Lot Loans
Condotels
Non-Warrantable Condos
5+ Unit Properties
Services & Offerings
Services
Mortgage Types
Mortgage Products
Tailored Solutions
Niche Property Types
Stay Informed!
Because an Informed Borrower is a Confident Borrower.
Preferred Partner Listings
View Current Listings from our Trusted
Referral Partners
Recent Transactions
Recent Transactions by Exhale Lending.
About Exhale Lending
At Exhale Lending, we believe that the mortgage process should be straightforward and stress-free. Founded by Wall Street veteran Patrick Gallagher, our mission is simple: provide honest, efficient, personalized mortgage solutions that empower our clients to achieve their homeownership dreams and build wealth.
Exhale Lending is a mortgage brokerage firm that embodies trust, transparency, and a genuine desire to help clients achieve financial serenity. With our client-centric approach, expertise, and unwavering commitment to excellence, Exhale Lending is poised to make a meaningful impact on the journey towards homeownership for individuals and families alike.
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Exhale Lending, L.L.C.
Equal Housing Opportunity
Office Location
Cary, NC 27511