Patrick McCarthy

Estimate your personal rate with the mortgage calculator or the refinance calculator. If you want to talk about your options, set up a time set up a time and I can go through them with you.

ZIP Code

Rates based on a loan in ZIP code 10020

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I'm Patrick, and I'm dedicated to helping people find the home loan that comfortably fits their needs in the New York area. As a Pinnacle Club member and a trusted partner to many people in this community, I'm here to guide you through every step of the home loan process. Call me today if you're ready to get started or would like more information.

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Easy-to-use calculators

These mortgage calculators may be able to help you understand how much you can borrow or what costs may come up along the way.

Mortgage
calculator
Calculate monthly mortgage payment and rate options. Estimate monthly mortgage payment
Refinance
calculator
Get a quick, custom rate based on your refinancing plans. Learn more about refinancing plans
Affordability
snapshot
Figure out what monthly payment could fit in your budget. Try it out with the Affordability Snapshot
Closing costs
calculator
Estimate your closing costs based on area and purchase price. Calculate closing costs now
Home equity
calculator
Find out estimated payments and rates for a HELOC. Calculate payments for a HELOC
Home value
estimator
Discover the current estimated worth of your home. Find out more with the home value estimator

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If you're not sure where to start, I'm happy to talk with you about what you may be able to afford.

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I'm here for you

As a Bank of America Lending Specialist, I want to make sure that we find the right home loan for you.

These resources can help you learn about each step of the home loan process, whether you're looking for a home, hoping to refinance or interested in accessing your home's equity. If you have any questions, feel free to reach out to me at any time.

Better Money
Habits^®

Build your financial knowledge with educational videos and articles on common home loan topics.

Explore Better Money Habits

Real Estate
Center^®

Find your future home by city and state or ZIP code.

Search now on the Real Estate Center

Home loan
resources

Understand the ins and outs of homeownership, when to refinance and how to use your home equity.

Down Payment
Resources

Search for down payment help in your area.

Learn more about the Down Payment Resource Center

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Not finding what you're looking for?
Here are some other helpful links:

First-time home buying Understanding mortgage prequalification

What are mortgage points? Evaluating home equity

Help where you
need it

Home Loan Navigator™

When you apply for a home loan with me, the Bank of America Home Loan Navigator can help you track your loan status and more.

Watch video on Home Loan Navigator

Preferred Rewards

If you're a Bank of America client, you could qualify for a $200–$600 reduction in your home purchase or refinance loan origination fee, based upon your eligible balances at the time of your application.^{Footnote 1}

Learn more about Preferred Rewards

Online and Mobile Banking^{Footnote 2}

It's easy to manage your Bank of America home loan account with secure access from your laptop, tablet or smartphone.

Find out more about Online and Mobile Banking

The origination fee reduction is available to clients who are enrolled or are eligible to enroll in Preferred Rewards at the time of application for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). Amount of the reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) is based on your eligible tier at the time of mortgage application and is not subject to adjustment. This reduction will not exceed the amount of the Lender Origination Fee. Eligibility will be available three or more business days after the end of the calendar month in which you satisfy the requirements. Some discounts cannot be combined. For details on requirements, visit the Preferred Rewards section of the Personal Schedule of Fees. Benefit is non-transferable.

You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America^® personal checking account and maintain a three-month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill Edge^® and Merrill Lynch^® investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The combined balance is calculated based on your average^® accounts do not count toward the account or balance requirements, and do not receive the fee waivers and other benefits of the program. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements.
Mobile banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

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Many ways to apply

Current Mortgage Rates

Patrick McCarthy

Many ways to apply

My lending reviews

Awards

My events

Easy-to-use calculators

I'm here for you

Better Money
Habits^®

Real Estate
Center^®

Home loan
resources

Down Payment
Resources

Help where you
need it

Home Loan Navigator™

Preferred Rewards

Online and Mobile Banking^{Footnote 2}

Let's get together

You're leaving the Bank of America website

Thanks for reaching out

Patrick McCarthy

Many ways to apply

Current Mortgage Rates

Patrick McCarthy

Many ways to apply

My lending reviews

Awards

My events

Easy-to-use calculators

I'm here for you

Better Money Habits®

Real Estate Center®

Home loan resources

Down Payment Resources

Help where you need it

Home Loan Navigator™

Preferred Rewards

Online and Mobile BankingFootnote 2

Find out what's new

Let's get together

You're leaving the
Bank of America website

Better Money
Habits^®

Real Estate
Center^®

Home loan
resources

Down Payment
Resources

Help where you
need it

Online and Mobile Banking^{Footnote 2}