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 scanning our business card. How can we help?

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. Get a quote!

  • 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, through one dedicated point-person.

  • 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

NMLS# 1495210