Mortgage Mistakes
North County San Diego
HotRodMortgage.com
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Rod Patrick
Mortgage Advisor | Financing Strategist
"The Questions You Didn't Know to Ask."
Helping homeowners and homebuyers make smarter mortgage decisions through an engineering-based, problem-solving approach. Whether you're buying your first home, refinancing, planning for retirement, or considering a reverse mortgage, I help uncover opportunities and potential issues before they become expensive mistakes.
Analyzed, not assumed
Every recommendation is backed by a written comparison of scenarios, break-evens, and long-term cost.
Educated first, sold second
You'll understand what you're signing — and why the alternatives were rejected — before any paperwork begins.
Aligned with your plan
Your mortgage should serve your retirement, your family, and your cash flow — not the other way around.
30 years before mortgages
An aerospace engineer's approach to your largest financial decision.
Before originating loans, Rod spent three decades as an aerospace engineer, engineering director, and program manager — solving problems where the wrong assumption costs millions. That discipline now guides every mortgage he recommends: model the scenarios, check the math, document the reasoning, and explain the trade-offs in plain language.
Read Rod's story
Featured solutions
Every major residential mortgage — with a HECM specialty.
Reverse Mortgage (HECM)
For homeowners 55+ optimizing retirement.
Purchase
First-time and move-up buyers.
Refinance
Restructure the loan you already have.
Jumbo Loans
Coastal California pricing, done right.
Cash-Out Refinance
Access equity without guessing.
Retirement Mortgage Planning
Coordinate housing with your plan.
In their words
Clients don't remember the rate. They remember the clarity.
"Rod treated our refinance like an engineering problem. He modeled three scenarios, showed the break-even, and told us which one he'd choose if it were his money."
"We interviewed four loan officers about a Reverse Mortgage. Rod was the only one who explained what could go wrong — and how to avoid it."
"Analytical, patient, and completely un-salesy. He answered questions I didn't know I should ask."
From the Learning Center
Understand before you decide.
Reverse Mortgages
Reverse Mortgage myths, examined with the numbers
Read the analysis →Refinancing
Rate-and-term vs. cash-out refinance: a decision framework
Read the analysis →Video library
Short, plainspoken explanations of the mortgage decisions homeowners face.
New videos published regularly on HECM strategy, refinancing math, retirement housing decisions, and the questions most homeowners never think to ask.
Visit the video libraryStart with a conversation
A single conversation can save years of interest.
Bring your questions — even the ones you don't know to ask. Rod will walk through your numbers with the same rigor he brought to aerospace programs.