Patrick Germovsek

Patrick Germovsek

This loan officer is a President's Club loan officer. President's Club Member
Reliance First Capital, LLC - NMLS ID 58775

6155 Rockside Road Suite 401, Independence, OH, 44131 NMLS ID: 1374092

Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

As a Mortgage Analyst, my responsibility is to provide my clients with clear and actionable answers. I develop strong relationships with my customers by listening to their needs and then customizing loan programs that help them achieve their financial goals.

Office Location

6155 Rockside Road Suite 401, Independence, OH, 44131

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What they're saying

Ratings & Reviews
45 Reviews
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

Best refinance experience I’ve had!

I was extremely hesitant to refinance. I was dreading the barrage of phone calls and the headache. However, I received an email from Patrick that simply asked to give him a chance and to contact him if I was wiling. I read Patrick’s reviews and decide to give him a call. I’m very glad I did! Patrick was straight forward and asked what I was looking to do. Patrick stayed in contact with me throughout the entire process and if I had questions he made sure he was available 24/7 if needed. Patrick was extremely personable and easy to talk to. Patrick truly took the headache out of the entire process and made it seamless. I would use Patrick again without hesitation!

Scott from Blacklick, OH


Patrick was the first to contact after I filled out the Lending Tree application was sent. This was very impressive. I have had NO PROBLEMS being able to get in contact with Pat. For me doing business this serious is difficult to get comfortable with; but, Pat made it easy. One of my biggest fears was the process of doing the computer part, again Pat made it easy. I don't have the proper words to express my appreciation to Pat, Jan and Reliance. Maybe Reliance should be called Reliable.

Dan from Cleveland, TN

Great Guy

from the very first conversation Patrick was my new best friend. I told him personal financial information that I would never discuss with anyone in the world. That's just it there is something about him that makes you trust him. He sent pictures of his family. His adorable son Liam is just a few months o**.Also a photo of his beautiful wife and Liam's grandma. I have no grandchildren of my own yet so that was nice of him to share. Patrick was like my financial planner. The advice he gave to me will benefit me for years to come. Patrick showed me how to increase my credit score with simply one piece of advise and it worked! The closing went well. The only thing that was sad about the closing for me was realizing that our connection/ friendship has come to a closing also. Great guy all around. Always available to answer a call. Even on a Saturday.

rhonda from Middle Island, NY


Always available for you if not will call back within minutes. Very happy to have Patrick on my side!

Raed from Westlake, OH

Above and Beyond!

We were initially pretty skeptical about refinancing our home. We’ve had personal and family issues that devastated our credit to the point where we felt that it would be a waste of time since we’d never be approved. However, a real need arose when Dad’s declining health demanded we make room in our home so we can keep him close to us and give him the care he needs. We weren’t sure what to expect from Patrick G at Reliance, but we were soon reassured and thoroughly delighted when Pat informed us that we were eligible and that he’d walk us through the entire process personally! There simply are no superlatives sufficient to thank you for your fantastic guidance in getting our home refinanced! You took what we assumed would be a challenging home refinance and successfully navigated us through the process to a successful conclusion. In every single step, you proved to be friendly, patient, polite, knowledgeable, professional and consistently available to us. We can't remember the last company we dealt with that returned calls and emails in such a timely manner! You even personally called on weekends when there were items that needed our attention! What more can a person ask for in a mortgage broker? I will happily and enthusiastically recommend you to others. Thanks Patrick for all your support and assistance!

Stephanie from Lynn, MA

Great experience

I am not a big fan of doing deals over the phone, I'm a face to face type of guy. But Patrick changed my feelings about over the phone dealings. He was polite, curtious, and responsive to any of my questions no matter how obvious the answer was. He connected with me on a personal level by asking me about my family and my favourite sports teams. I would highly recommend him to anyone who wants a straight shooter.

Joe from Walpole, MA

Outstanding Service and Responsiveness

From the very beginning, Pat was a consummate professional! He contacted my wife and me throughout the process to keep us informed. Sometimes even calling us individually while we were at work instead of just sending an email assuming we would see it. When there were some moments of concern, he offered advice and eased our worries. I would absolutely recommend Pat to friends and family, and would work with him again if the need ever arises in the future! Thank you Pat!

Kristie from Robesonia, PA

Great experience

After spending 8 months trying to complete an application for a loan with little or no success, I found Patrick at Reliance. I was kept informed on a regular basis of what was happening, what was needed and the time line for closing. Great experience.

Mary from North East, PA


Pat is very informative and great to work with!! He is truly an asset to Reliance. He is very prompt and cares about his clients. I would recommend Pat to anybody!! He takes his clients and job to the next level!!! Enjoyed my experience with Pat!!!

Theron from Riner, VA

Best experience

Patrick is awesome! I cannot say enough good about him and the experience I had. From the first time we spoke, there was an immediate "being at ease" feeling and I felt like I can trust him. I never felt rushed and he was so patient with explaining everything, answering questions, etc. He is very good at what he does and I can highly recommend him!

Stephanie from Lebanon, TN


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