Pat Baldwin

Sr. Mortgage Advisor

NMLS #1063182

(401) 480-7724

50 Office Parkway, East Providence, RI 02914

Meet Pat

Pat has been a mortgage loan originator licensed in RI, MA, and CT for over ten years. She has a Bachelor of Science in Business Administration from Bryant University. “My goal is to make your home buying or refinancing experience informative and enjoyable. I want to be your advisor for life!”

She starts by listening, then reviews your credit report, savings, and income. She considers your other debts and analyzes your overall financial situation. “I want you to feel comfortable with your total monthly expenses. I will give you estimated monthly payments for various potential sale prices before you even start looking at homes to buy.” This helps you make an informed decision about what price range to target. Sometimes, buying a multifamily could be your best option. Your tenants help you make the mortgage payment as your equity grows! Pat has been a landlord for a long time, and she is happy to share her experience with you.

Pat is very knowledgeable and can see what obstacles might come up. “My deals always make it to the closing table – they do not fall apart. I am very thorough in the beginning when I’m pre-qualifying someone, so no one will be disappointed later.” Her Bryant accounting background also makes her great at reading income tax returns and financial statements to correctly qualify and advise self-employed clients and investors.

Pat believes everyone should be able to build generational wealth through home ownership. “There is a lot of conflicting information on the internet. If you need help improving your credit scores, I will tell you exactly what you need to do.” Pat enjoys attending closings for all her clients and sharing their joy upon getting the keys to their own home.

She has decades of prior experience as a realtor and in new home construction and land development. “I love working with and helping realtors because I know what it’s like to be a realtor! If something comes up, we work as a team to solve it.” She also loves teaching realtor classes.

While good with numbers and making complicated things easy to understand, she has a positive outlook, sense of humor, and is a calming influence. Pat is the mother of three grown daughters. “I am available in the evening and on weekends because that’s when you are out looking at homes and want to talk to me. I love what I do, and I’m here for you whenever you need me.”

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Pat Baldwin


(401) 480-7724