Patrick O'Hanlon

Manager, Retail Sales Branch

Office: 559.477.4341

Mobile: 559.477.4341

NMLS 201671

Meet the Team by Finding a Branch Location near you.   


Teri Blea worked my original home loan and then notified me of the benefits of refinancing the loan several years later. In both cases, she was knowledgeable, professional, and accessible. She answered all my questions in a timely manner, and I...

"After a couple of failed attempts with other lenders to refinance my underwater condo with my bad credit, I was about to give up until my Father-in-Law referred me to Mike Hayter with W.J. Bradley. He's technology savvy so we were able to do all...

"From beginning to end, our experience with WJB was smooth and effortless. As first-time homeowners, it was important that we found someone who walked us through the process and made us feel comfortable. We expected to have moments of feeling...-Mel C

“I was a first-time homebuyer when beginning the process with W.J. Bradley, and clarified this up-front. In response, my loan originator was extremely communicative throughout the process and I appreciated the time she took to be sure I...-Elle J


30 June 2015
If you used a U.S. Department of Veteran Affairs (VA) loan for your first home, you probably don't t...
30 June 2015
If you've been involved in the military or you're a spouse of a veteran or current service member, y...
30 June 2015
For homeowners who have been in their houses for a while, there may come a time when it make sense to update a mortgage through refinancing. The main reason people refinance a mortgage is to put themselves in a better financial situation. By updating a mortgage, you can shorten the loan term, reduce your interest rate and potentially save a great d
26 June 2015
First-time homebuyers have many decisions to make when shopping for a house. Do they go for three bedrooms? Is a ranch or two-story better? What about a pool? Homeowners in warm-weather states such as California, Arizona, Nevada, Texas and Florida often believe a pool will be an attractive and fun addition to their properties. But what are the fina
18 June 2015
There are more than 80 million millennials in the U.S. ranging in age from 13 to 32 - depending on the research. While the youngest members of this demographic are wrapped up in their educations and social media profiles, the older portion is grown up and making major life decisions. Millennials in their 20s and 30s are building careers and familie
12 June 2015
Many potential homebuyers are wary of taking the plunge into homeownership simply because they've never done it before or really aren't sure it will be more financially sound than renting. Here are some facts, figures and tips first-time homeowners should consider as they debate whether to continue renting or begin the search for a permanent home:


Texas Mortgage Banker Disclosure

Pursuant to the requirements of section 157.007 of the mortgage banker registration and residential mortgage loan originator act, chapter 157, texas finance code, you are hereby notified of the following:

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete, sign and send a complaint form to the texas department of savings and mortgage lending, 2601 north lamar, suite 201, austin, texas 78705. Complaint forms and instructions may be downloaded and printed from the department's website at A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's web site at

Free Educational Pamphlets

Below are links to several free informational pamphlets provided by various government agencies. Feel free to print them out to review at your leisure.