Joe Patterson

Sr. Loan Consultant, NMLS# 282029 Guaranteed Rate Affinity
With over 15 years in the mortgage industry, Joe knows how important his clients are. He has been dedicated to exceptional service throughout his career and believes that handling transactions honestly and with integrity builds a level of trust with his clients that is unparalleled. Clients appreciate his commitment, and prove it by returning again and again.

Whether you are a first-time homebuyer or an experienced investor, call Joe today and put the experience of Princeton Capital to work for you!

RMR Financial, LLC d/b/a Princeton Capital, 16780 Lark Avenue, Los Gatos, CA 95032. NMLS ID #49456 ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. This is not a commitment to lend. Equal Housing Lender.


Sep 18, 2017
Utility Worker II
Joe was amazing to work with when purchasing our new home. He also was quick to respond to my emails and phone calls. I felt like he was there with us every step of the way. I always had a clear understanding of what was happening with our loan process and what would be needed next. Thanks Joe for all your hard work!
Jul 21, 2017
We first met Joe Patterson in 2008 when we found a home in Diablo Grande in the Central Valley. Joe made the transaction very simple and trouble free for us.
When we decided to consider a refinance there was no question as to who we should talk too. Again Joe took charge and made what I thought would be difficult a
trouble free transaction. Joe is a real professional loan consultant.
May 25, 2017
When I consider entering a business relationship there are certain things I look for in the person I am partnering with. Assets such as patience, knowledge, honesty, reliability and responsiveness are most important to me. Joe has these assets and that made my experience with him a pleasant one. I would recommend him to anyone for their home financing needs!
Dec 9, 2016
Deputy General Counsel, SMA Solar Technology
Joe proved to be knowledgeable, organized, and responsive to our re-finance needs. He was easy to contact, and returned calls and e-mails in a timely way. With but one exception (VA funding fee), his information was timely, correct, and actionable. I especially appreciated Joe's availability to meet in office for short session turnover of documents, or discussion of loan application matters. Joe was always gracious, welcoming, and positive in these unscheduled interactions. His early move to lock-up a favorable rate was crucial to our successful outcome.
I unequivocally recommend Joe Patterson as a real estate financing professional.
Dec 5, 2016
Service Manager
I highly recommend Joe Patterson, he was very helpful for a first time buyer. He made the whole process easy with great communication and walking me through every step of the home purchase. His knowledge gave me many options that I didn't even know I had available to me. I really appreciated his honesty and how everything went exactly how we discussed from our first conversation.
Oct 11, 2016
Joe was phenomenal in handling our situation.. When we began our process, we had a few difficulties with our 1st attempt to buy a certain home and Joe was great enough to walk us through the process and kept us totally informed. We then decided to accept another home and go thru that process and with Joe Patterson by our side, we came out as winners in this challenge. Thank you Joe for your perseverance and dedication to our vision.
Oct 4, 2016
Joe was a very knowledgeable representative for obtaining a VA loan. He was very helpful in guiding me through the process. Joe responded very quickly to any questions that I had, and was very easy to get in contact with. I would highly recommend him to others needing to obtain a home loan.
Oct 4, 2016
Procurement Sr. Analyst
Joe Patterson was extremely helpful during the refi process that we had gone through for the first time. He was knowledgeable in the market and was able to address our questions with full honesty and transparency and he was responsive in a timely manner. The process was also made to be very simple. Joe takes into account each individuals situation and makes his best recommendation based on his experience. We would definitely recommend Joe to friends and family (one of which has gone through Joe already) and we would definitely turn to him again for our next loan process..
Sep 30, 2016
Joe was extremely efficient, professional, knowledgeable and helpful. He kept me completely informed throughout the process. I was particularly impressed with the fact that he completed the application for me! Unlike most loans I've received in the past, I barely needed to do anything. Joe made it quite simple and uncomplicated.I highly recommend him for your mortgage needs.
Sep 30, 2016
Research Analyst
Just finished a refinance through Joe Patterson. This was the second loan that he arranged for us, and both times he was thorough and very professional. Always kept us up-to-date on the progress, and did his best to get us the very best deal (low interest rate, minimum of fees, etc.). My wife and I highly recommend Joe.
Aug 17, 2016
We just financed a home using Joe Patterson and his team. Cannot say enough about the customer service and making everything easy! They would text or email my wife to get paperwork done ASAP. It was a breeze working with him. Thank you so much Joe and we love our new home!!

Aug 12, 2016
Refinance Customer
Joe is an excellent loan officer! He knows all aspects of the loan business as it pertains to the many types of loans available and exemplified true customer service. Very attentive to our needs and he was able to promptly respond to many questions asked!

Joe is an asset to your company and his work ethic is outstanding! I would recommend Joe to assist future customers!


Rollin and Karri
Aug 5, 2016
Access Technology Specialist Instructor
Joe Patterson was professional through the entire loan process on our new home. He always answered our calls and questions promptly, which ensured that we closed escrow on time. Joe exudes trust and kindess; We highly recommend his services!
Jun 14, 2016
Recent Loan Customer May 2016
Joe Patterson was recommended through my Realtor and had a very high reputation to uphold. After working with Joe, I can understand exactly why he has such a great reputation. Joe was very thorough, open, honest, timely, and very professional at all times. I believe Joe played a vital role in helping me obtain my loan this past May. I appreciated all that Joe at Princeton Capitol did for me and my family and would highly recommend him.
Apr 25, 2016
Registered Nurse
My wife and I had an excellent experience working with Joe! He was our loan officer throughout our one year of house hunting, and I never considered switching despite the many opportunities to do so. We had been looking for a home in the SF Bay Area and we wanted to utilize my VA home loan benefit. We expected a lot of difficulty and some resistance when presenting our desire to use this type of loan, however Joe had the knowledge, experience, and work ethic to help us reach our goal. We were very impressed with Joe’s prompt and concise communication whether email or telephone. He was always flexible, gave great advice, and he also helped us negotiate a better deal on our home. The sale agents also had many good comments about how great it was to work with Joe in comparison with others they had encountered in the other sales in our community. They mentioned that they would definitely keep his name on file for future opportunities! We highly recommend Joe Patterson!
Apr 19, 2016
Mathematics Teacher
Joe was incredibly helpful when it came time to apply and get a loan for my home. As a first time buyer, I assumed the process would be a difficult one. Even though the process itself took some time, Joe was very patient with my and my amount of questioning, and always took the time to answer each question clearly and thoroughly. Joe did an amazing job working out all the details regarding the loan, but kept me well informed about everything he was doing. I always assumed it would be hard and almost impossible to get him to answer my questions, but I was wrong. Every time I emailed or texted him with questions, he would reply to my texts and messages within minutes. Joe worked out a loan that fit my financial needs; I have a payment that I can easily afford and all his advice and ideas have worked out for the best. Joe is such an amazing consultant that he came to my place of work to get the paperwork signed off. You cannot go wrong with Joe. He is such an amazing person that my family and a few co-workers have contacted him to refinance their homes. Thanks for everything Joe!!!! : )
Apr 15, 2016
Joe helped me to find a loan qualified me to get good debt and ratio, which other lenders fail to do so. Additionally, he is very knowledgable and put much effort to smooth closing cost. He also made a trip to deliver my documents to speed up the closing date. I enjoyed working with him and I was very happy with his work. I'd jighly recommded him to my friends. I also will get his help again when I buy my next house in the future.
Jan 14, 2016
Joe was insurmountable with his knowledge and professionalism in leading us towards the final success of our recent home purchase. I felt we worked well as a team. He was very patient, kind, and never faltered when challenges arose. Thank you Joe! Continued success to you going forward in the New Year.

Regards, Anna C. Martucci
Dec 23, 2015
Realtor Coldwell Banker
We Realtors HATE those uh-oh moments when things are discovered that could completely kill a transaction. Joe Patterson is so professional about being proactive so those don't appear. He is thorough--and kind! My clients have loved working with him!
Dec 22, 2015
Retired Police Officer
I found Joe Patterson to be a patient, understanding and compassionate man while working with me for my house loan. In my case, Joe worked very hard to complete my loan package that needed a fifteen (15) day close of escrow. He not only spotted any corrections that needed to be done but also stayed in contact with me during the loan process. Thanks Joe for all your help and support.
Oct 5, 2015
Court Interpreter
As I was talking to a friend at work about refinancing, he recommended I went to see Joe, he told me, "he's the best in the business". This was the first time I was going to refinance on my own, so I wanted to deal with someone whom I could trust. I contacted Joe, and in less than five minutes of talking to him, I knew I wanted him to be my broker. Joe is honest, personable and extremely knowledgeable. When we met at his office to discuss refinancing, he walked me through the process, explaining everything in a simple manner, and answering every question I had. Whenever I needed to talk to him, he immediately replied to my phone calls and emails. Joe was very accommodating when it came to meeting me to take additional documents to him, etc.; the process couldn't have been any easier. In record time I had a new mortgage loan with a much lower interest rate than before. Joe is a model of professionalism and integrity,I give him five starts out of five! Lucy Day
Sep 25, 2015
Business development Manager
Joe was able to help me close escrow in 21 days!!

When both Chase and Wells Fargo said it would take 45-60 days to close, Joe delivered.

He answered all of my questions, and just as importantly he answered his phone all the time.

Sep 6, 2015
Previously self-employed First Time Homebuyer
We HIGHLY recommend Joe Patterson. He was extremely attentive and responsive to our needs, our questions, and late-night emails from us as somewhat nervous first time homebuyers! He walked us through every step of the way in a very clear, calm, and reassuring manner. His follow through and communication was STELLAR. We would definitely use him again, and recommend him without hesitation.
Aug 26, 2015
Joe Patterson was able to get me a preapproval letter quickly so I could submit my offer on the house I wished to purchase. He also obtained an appointment for the appraisal in a very short time. His efforts made the whole process go very smoothly which I really appreciated J Jones of Gilroy Ca
Aug 24, 2015
Registered Nurse
Joe Patterson was wonderful to work with! He did a great job communicating with us; he was always available, made sure we had everything we needed, and he gave us a lot of excellent advice. We felt very safe about handing over all of our personal financial information to Joe, as we knew he was on our side and looking out for us. We were well taken care of, and I would recommend Joe to anyone thinking of buying or refinancing a home.

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