Pat & Sharon Mistowski, Horizon Lending Services, LLC (Horizon Lending Services, LLC)
NMLS # 198754

Texas and California Lending

Plano Tx, Napa CA


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We represent multiple lenders - we offer more and better solutions, shop for the best terms – USDA – 1 day out of a short sale FHA – 12 months out of a foreclosure

Get to know Pat & Sharon Mistowski

Our mission is to give borrowers the ability to buy a home of their dreams. We believe that to achieve the American dream is the desire of every citizen and we will support their goal."

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In the course of a diverse 25-year career in all aspects of lending, we have proven to be skilled executives, entrepreneurs, and adroit trouble-shooters.

We have worked for fortune 500 company's and served on numerous boards relating to the mortgage industry. We have worked in the capacity of CFOs of publicly traded companies. We bring financial expertise and a superior commitment to every client and business partner. Our team will continue to work towards achieving positive results and earning personal referrals from satisfied customers. We have been recognized leaders in the industry for many years and will use all of our skills for your benefit.

"Mortgages and Credit is our business... Changing peoples' lives is our passion"

Who We Work With?

• Realtors who need proven lending options and a diverse Mortgage Partner -
• Builders who are tired of hearing excuses why loans are not closing -
• Borrowers with short sales or foreclosures looking for options –

Why Us?

We represent multiple lenders - we offer more and better solutions, shop for the best terms –

A mortgage banker is paid by the institution he works for. Their first responsibility is to the institution. The banker can only make loans from his institution. Once a file is declined, there is no recourse or recovery.

We, as a Broker, represent the borrower more than the lender. Our responsibility is to get the borrower the best deal possible, regardless of the institution. If a file is declined, we have the opportunity to submit to another lender.

Specialty Products–

USDA – Manual Underwrite to a 600
FHA – 12 months out of a foreclosure



How to contact us:

972-347-9224 - sharon@horizonlendingservices.com

Pat & Sharon Mistowski's Blog Posts

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Certifications

In the course of a diverse 25-year career in all aspects of lending, we have proven to be skilled executives, entrepreneurs, and adroit trouble-shooters.

We have worked for fortune 500 company's and served on numerous boards relating to the mortgage industry. We have worked in the capacity of CFOs of publicly traded companies. We bring financial expertise and a superior commitment to every client and business partner. Our team will continue to work towards achieving positive results and earning personal referrals from satisfied customers. We have been recognized leaders in the industry for many years and will use all of our skills for your benefit.

Awards

Top Mortgage Professional 2015

Skills

Specialty Products–

USDA – Manual underwrite with a 600 FICO
FHA – 12 months out of a foreclosure

Bank Statement program for self employed individuals

Testimonials for Pat & Sharon Mistowski

  • Joey
    03/17/2015

    03/05/2015 - joe ferrazzano
    Closed purchase loan. Justin, TX


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    Pat & Sharon are the best at what she does. She has helped myself and my son on our homes and I would never think about using anyone else. 5 stars for her efforts and her kindness throughout the whole process.

  • LH126
    03/06/2015

    03/04/2015 - Lh126
    Closed purchase loan. Justin, TX


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    Could not ask for anyone more experienced& caring. The follow up was AMAZING!!!! From the moment we made our first phone contact to the day we closed (even after we closed) the process was more than we expected. We heard horror stories as to how difficult this was going to be but it wasn't at all. I highly recommend Pat & Sharon Mistowski & Horizon Lending for all your Mortgage needs. 5 STARS!!!!! Less 

  • silberiagarcia
    03/03/2015

    03/03/2015 - silberiagarcia
    Closed purchase loan.


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    Pat and Sharon were wonderful to work with! They were very professional and extremely knowledgeable of the industry. Pat and Sharon were able to overcome some difficulties we were having, that no other lender could help with. Thank you Pat and Sharon for helping us to accomplish our dreams!

  • tcowan
    03/02/2015

    03/02/2015 - tcowan1181
    Closed purchase loan. Ovilla, TX


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    I've used Horizon Mortgage several times over the last several years. Pat and Sharon are not only the best in the business, but I can actually call them my friends.

    I don't consider myself an easy client because I always question everything and require detailed information. Sharon always had the answers and explained it in ways I could understand. She didn't talk over my head or belittle me with mortgage lingo. She was patient and made sure that I was comfortable during the whole process. This lady knows her 'stuff'!!

    Unlike many Banks or S&L's, Horizon has a wide array of available loans and tailored my new home mortgage to fit my needs. The entire team at Horizon kept me in tune to current rates and locked me in at the perfect time. I truly can't say enough good things about these folks. Sharon and Pat are just good people, doing good, honest work. Thanks again.

  • ausenbaughtx
    03/01/2015

    03/02/2015 - ausenbaughtx
    Closed refinance loan. Celina, TX 75078


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    The Mistowski team has performed several transactions for my family. All three refinances were without issue and on time. They provided unsurpassed follow ups even through the holidays and on several occasions after normal business hours. They promptly took care of an appraisal issue that reared its ugly head. Though this could have killed the last transaction, my file was handled graciously and took to another lender when results were not forth coming. By planning and anticipating, my refinance was closed. There is not any hesitance to recommend the Mistowski Team to family or friends. I trust them explicitly.

  • gcknowles
    02/20/2015

    03/01/2015 - gcknowles
    Closed refinance loan. Prosper, TX


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    Pat and Sharon were very helpful in getting my loan done the first time. Then a few years later after rates dropped they again provided excellent service in getting my loan reviewed, approved and closed even more quickly then the first time. Pat and Sharon and their team are the best I have worked with, I have told several friends and family about the great work that they have done for me... I recommend them highly. The next time I need a new loan or a Re-Fi, I know who I am calling on... Pat and Sharon Mistowski.

    Service Areas (2)
    • Prosper, TX
    • Napa County, CA
    • Dallas, TX
    Specialties (6)
    • Buyers
    • Condos/Townhomes
    • Luxury Homes
    • New Construction
    • Relocation
    • Residential
    Languages (1)
    • English