Ready To Go?
Apply online now and get pre-approved in minutes, and gain the confidence to make your strongest offer.
Not Sure Where To Begin?
No problem! Schedule a free, no-obligation consultation to understand the home buying process and requirements.
Welcome to Exhale Lending
Thank you for visiting Exhale Lending.
At Exhale, we're dedicated to providing seamless and stress-free mortgage experiences.
We're committed to being your lifelong mortgage partner, guiding you through your homeownership journey and beyond.
Our team of experts specializes in tailored solutions and innovative strategies designed to help you reach your financial aspirations with ease.
We're here to ensure you breathe easy while achieving your goals.
It's time to Exhale.
The first step lies with you.
Why get pre-approved?
Learn more about getting pre-approved.
5-Star Reviews
Meet Patrick
Patrick Gallagher
Founder, Senior Loan Officer
Here's why out clients love Exhale Lending
Stress-free and seamless closings
Competitive Mortgage Rates
Provide handholding and options
Averaging 9 days for Clear-to-Close.
Transparent and consistent communications
Mortgage broker: We search the best products and rates for you, so you don't have to
Access to multiple lenders, but one point person available and willing to help
Personalized Service. Attending to their unique needs
Expert Team: 7+ years Residential mortgage lending experience and over 12+ years mortgage banking experience
Post-Closing relationships
Why Exhale Lending
Ask us about
Purchase strategies
Product suitability
Market Conditions
Interest Rates
2-1 Buydowns
Construction Loans
Renovation Loans
HELOCs Vs cash-out Refis
Agent Referrals