Client Testimonials

PAT TO THE RESCUE!!!Pat Holsten is a dynamic, extremely intelligent, creative, and accomplished mortgage professional!  Our recent move to Wilmington from Washington, DC, was held up by red tape and incompetent loan officers at one of the nation’s largest banks.  With just days remaining before the settlement date and despite our excellent credit rating, our bank had still not given final approval on our mortgage application.

Our realtor arranged an appointment with Pat who seized the challenge to obtain our desperately needed mortgage with extraordinary calm, confidence and compassion.  During our initial meeting Pat organized what each of us needed to provide, made important telephone calls, and got the paperwork flowing – all this during a total federal government shutdown.  Pat reassured us that we would get the loan on time and with even better terms than our original bank had offered.  With the skill and knowledge of the consummate professional she is, Pat delivered everything we needed and more!

We will forever be grateful for Pat’s expertise in coming to our rescue and making the whole process an especially enjoyable one.

Barbara and Doug Dobson

THREE CHEERS FOR PATI have worked with Pat on several mortgage transactions – both purchase and refinances. Pat is a seasoned mortgage professional and her experience in the business really pays off. The mortgage market of late has been difficult to navigate. However, Pat knows her stuff making it very easy for her clients to successfully work through both purchase transactions or refinances. Pat is a true joy to work with. She is proactive and anticipates challenges well in advance so as not to disrupt the process. She looked out for my best interest, knew when bonds were rallying and called me immediately to insure that I locked at the lowest rate possible. I have referred Pat to friends and family members and they have been equally impressed with her expertise and professionalism. I would work with Pat again and again!

Detta Cutright
SVP, Client Development, Relationship Management, Industry Relations, Marketing and Communications
QBE Financial Partner Services

MIRACLE WORKERPat was recommended to me by friends who had faced an extremely complicated home purchase process.  They praised Pat as a “miracle worker” who was able to smooth out the challenging parts of their process and help them into their dream home–and at a lower interest rate, to boot.  They told me, “If anyone can make your purchase happen, it’s Pat!”  Just as they had promised, I had a wonderful experience with Pat.  She proved to be diligent, efficient, and effective, literally working day and night and weekends to complete my paperwork.  I can’t thank Pat enough for making what could have been an insanely stressful experience a pleasant one instead.  I’m confident that when I refer someone to Pat they will be in great hands! 

Katrina Knight


I wanted to express our sincere thanks and appreciation for all the service you provided to my wife and I regarding our recent home purchase in Wilmington. N.C.

From the very beginning, which was over one year ago, you constantly stayed in touch with us and checked in periodically to ascertain our progress with our purchase plans.

When we were finally ready to move forward you were right there to address our needs and answer our questions, no matter how many times we asked.

Your perseverance and professional handing of our financial needs by far exceeded our past purchases and we always felt that you were right on your game.

You made our experience go so smooth because we felt we were in the best hands at all times.

Thanks again so much for your help, professionalism and dedicated hard work.  You made a big difference to us.

We wish you continued success.


Charles and Nina Constantino
January 2014


My husband and I want you to know what a great experience we had working with Pat Holsten.  Being in our 60s and having bought other homes in our lifetime, we were not new to the process.  Pat’s knowledge of financing and her work ethic far exceeds other lenders we have worked with in the past.  It was Pat, who worked diligently on our VA loan and foreclosed dream home, so that we could take ownership in less than 30 days from start to finish, and at the same time, save us so much money.  What an amazing accomplishment!  We are so thankful that we put our trust in Pat.  It was a pleasure to work with such a professional and caring person.

Brett and Paula Bachman 

August-September, 2013


WHAT A PRIVILEGE!It has been our privilege to work with Pat Holsten and American Security Mortgage in the purchase of our home here in Wilmington. She came highly recommended by our realtor and delivered fantastic service. The work she did for us was thorough and prompt. She stayed on top of our loan and saw it all the way through to completion. We also appreciated her assistance in helping us stay on task with necessary documents. We recommend Pat and ASM to anyone interested in needing a loan for a mortgage.

Kyle and Christina Sullivan

The Licorish Testimony.

My husband Errington and I (Amber) were relocating from Goldsboro, NC to Willmington, NC. We were referred to Pat via our realtor Bobby Jean. Pat was amazing. She did a quick look over the paperwork my husband sent her regarding his pay, credit history, and the loan we were wanting to go with. Pat informed my husband he would need to establish employment in the Wilmington area and get some paychecks coming in so she can configure the new income. Per her advise my husband found a new Job and began employment the 1st of Nov. 2013. I stayed in Goldsboro and worked with my realtor to find a home perfect for our family.  Pat worked mostly with my husband via phone, email, and fax. Pat is a hard working, honest, and dedicated mortgage broker that knows her position in the business.  Pat walked us through each step professional and accurately.  The day Pat gave us our maximum loan amount, I found our perfect home. We made an offer the previous owners made a counter offer and we accepted. By January 17, 2014 my famiky and I were in our new home Thanks to Pat and Bobby. These two ladies make an awesome team and without their hard work and dedication I would not be a FIRST TIME HOME OWNER! I would recommend Pat a 1000 times to my friends, family, coworkers, and myself. If we decided to purchase a new home we would consult the professional opinion  and expertise of our mortgage broker Pat Holston! Thank you Pat for making our dreams come true!