Patrick Oshea

WORK HISTORY

EDUCATION

ABOUT PATRICK OSHEA

Nobody wakes up excited to get a mortgage.They\'re complex, high-stakes transactions, and navigating a shifting market without the right guide is frustrating. You don\'t want a \"loan product\" — you want the keys to a home and a financial strategy that actually makes sense for your future.I\'m Patrick O\'Shea — a Portland, Oregon-based independent mortgage broker at Edge Home Finance (NMLS 19•••79) and a Grammy-winning musician who spent decades touring the world playing keyboards with the reggae band SOJA.That career taught me that high-level performance is built on two things: obsessive attention to detail and absolute transparency. I bring both to every loan I close.As an independent broker, I don\'t work for a bank — I work for you. That means I can shop multiple wholesale lenders to find the loan that fits you best. Whether that\'s a VA loan in Lake Oswego, a first-time buyer program in the Pearl District, a jumbo purchase in Irvington, or a refinance anywhere across the Portland metro — I find the structure that serves your future, not a lender\'s quota.And because the traditional path isn\'t for everyone, I also specialize in non-traditional financing. For real estate investors, I offer DSCR (Debt Service Coverage Ratio) loans — allowing you to qualify based on a property\'s income potential rather than personal tax returns. It\'s one of the most powerful tools in real estate investing, and most borrowers don\'t even know it exists.I\'m licensed to serve clients in California, Colorado, Florida, Oregon, Tennessee, Virginia, and Washington.If you’re a real estate agent who values consistency and communication — or a buyer or investor who wants a smooth, well-managed process — hit me up!Patrick O\'Shea | Independent Mortgage B••••••••@edgehomefinance.com(97••••••••77NMLS #19•••79Edge Home Finance Company NMLS #891464