Patty Mercer & Dustin Marazzito

About Us:

Pay It Forward Financial is a branch of one of the largest Mortgage Brokers in the country, First Priority Financial. As a Branch of FPF we are able to gain the support and benefits of a large Mortgage Company while maintaining a quaint family owned business setting. FPF is an approved Broker with more than 250 Lenders. As a branch of FPF our clients benefit from this large pool of competing lenders as well as reduced rates and fees. FPF maintains extremely high standards with their business and requires the same from their branches. We feel honored to be a part of the FPF family!

Meet the MaraMerce Team!

I am Patty Mercer. I am the Branch Manager for Pay It Forward Financial. I have been in the Mortgage industry for just over five years. Previous to being in the Mortgage Industry I was a stay at home Mom and a student at CSUH (now CSUEB) acquiring my Teaching Credential for single subject Science. Now I am a licensed Loan Officer and I process loans for six other LO's. I love the Mortgage Industry! I love the fact that my relationship with my clients is MUCH different than typical! Most importantly... I love that I am able to share my excitement for the industry and Pay It Forward Financial with my son Dustin...

I am Dustin Marazzito. I am Patty Mercer's first and only son and also the first employee she hired after starting the Pay It Forward Financial branch under First Priority Financial. I have been in the Mortgage industry for over 3 years. I started in the business as a Processor and a LO Assistant. After gathering a wealth of knowledge in the Real Estate business I am finally confident and ready to become a Loan Officer. I am currently studying for my Real Estate License and will hopefully be licensed within a month (if DRE will ever process my application).

Please visit our Website at http://www.piffinancial.com/ to see what "Pay It Forward Financial" can do for you!

Please visit our MySpace as well at www.myspace.com/payitforwardfinancial. We are VERY excited to announce that Cathrine Ryan Hyde, Author of the acclaimed book Pay It Forward and Founder of the Pay It Forward Foundation, asked to be our friend on MySpace and then commented with her show of support for our company and what we have set out to accomplish in the Mortgage industry with her Pay It Forward philosophy... The backbone of our companies relationships manner of doing business!

We will also have a Facebook soon!

Areas of Expertise and Testimonials

Areas of Expertise

At Pay It Forward Financial our main "Area of Expertise" is providing our Clients with the Lowest Rates and the Best available Loan Program for their individual needs. Another one of our greatest objectives is making the loan process as smooth as possible with impeccable customer service.

We do Residential, Land, Construction, Commercial, Church, Private Lending, Business, FHA and Investor Loans. At "Pay It Forward Financial" no Real Estate Loan is too big or too small!

Visit www.piffinancial.com/programs.php for a complete list of loan programs we have to offer.

Make sure you explore our FHA Loan Center as well, maybe a FHA Loan is right for you.

For more information on Reverse Mortgage, check out our Reverse Mortgage section as well at www.piffinancial.com/reversemortgages.html.

Quick Links

• Apply for a FHA Loan
• FHA Loan Checklist
• Common FHA Questions
• FHA Qualifications
• Benefits of FHA Loans
• How FHA Loans Work
• 3 Reverse Mortgage questions to consider
• Are Reverse Mortgages safe?
• Run the Numbers, Reverse Mortgage Calculator
• What about repaying a Reverse Mortgage?
• What are the costs of getting a Reverse Mortgage?
• Steps to getting a Reverse Mortgage

Testimonials

I would recommend Patty Mercer to anyone buying a home. Patty is so wonderful to work with, because she's genuinely nice, and yet has no problem being tenacious when she has to be. Patty realizes that buyers are under a lot of stress, and she makes the process as easy as possible. I would definitely would work with Patty again.

Karen
Salinas, CA

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Patty - Thank you so much for making our dream come true. I was told for so many years that it was not possible me to own a home... it wasn't until I ment you. I can't say thank you enough.

Enjoy!

Jen & Charles
Hayward, CA

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The MaraMerce team at Pay It Forward Financial is great. They made the home buying process a smooth and stress free experience. Patty and Dustin explain everything leaving no room for surprises. When I initially went to them, I explained I wanted a "No Point Loan." They then told me the truth about "No Point Loans" and showed me a detailed graph breaking down the costs of buying down my rate and the long term costs of a "No Point Loan." Long story short, I ended up buying down my rate saving hundreds of dollars each month. Since the purchase of my new home I have recommended everyone I know who is in the market to buy or refinance a home to the MaraMerce team.

Dana
Pleasanton, CA
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Brenda Pigrum Survey

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Porsche Parker Survey

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What is "Pay It Forward"

'Pay It Forward' is a book written by Catherine Ryan Hyde, but it's also an idea. It's an action plan within a work of fiction. But does it have to be fiction? We're hoping not. In fact, since the book was released in January of 2000, a real-life social movement has emerged, not just in the U.S. but worldwide. What began as a work of fiction has already become much more.

Reuben St. Clair, the teacher and protagonist in the book 'Pay It Forward,' starts a movement with this voluntary, extra-credit assignment: THINK OF AN IDEA FOR WORLD CHANGE, AND PUT IT INTO ACTION. Trevor, the 12-year-old hero of 'Pay It Forward,' thinks of quite an idea. He describes it to his mother and teacher this way: 'You see, I do something real good for three people. And then when they ask how they can pay it back, I say they have to Pay It Forward. To three more people. Each. So nine people get helped. Then those people have to do twenty-seven.' He turned on the calculator, punched in a few numbers. 'Then it sort of spreads out, see. To eighty-one. Then two hundred forty-three. Then seven hundred twenty-nine. Then two thousand, one hundred eighty-seven. See how big it gets?'

WHAT IS THE PAY IT FORWARD FOUNDATION?

The Pay It Forward Foundation was established in September 2000 by author Catherine Ryan Hyde and others to educate and inspire students to realize that they can change the world, and provide them with opportunities to do so. By bringing the author's vision and related materials into classrooms internationally, students and their teachers are encouraged to formulate their own ideas of how they can pay it forward.

The foundation impacts our world in a time when many people, though aware of the need for social change, are unsure of where and how to begin. The challenges facing today's youth are daunting. While discussion and planning are positive steps toward belief in social change, only the manifestation of plans into action proves to the imagination that change is possible, and that will and motivation can affect social growth. The Pay It Forward Foundation understands that good ideas inspire more good ideas; it serves both as a forum and a source of funding for the development and fruition of inspiration.

Students have the opportunity to identify what they consider to be the challenges of their communities. They tackle such problems as homelessness, pollution, youth violence, literacy issues, the loneliness experienced by long-term hospital and nursing home patients, and the alienation of today's at-risk youth from the community. The Pay It Forward Foundation provides seed money for such worthwhile projects.

To date, the Foundation has provided grants and/or materials to hundreds of schools in the U.S., Australia, Canada and numerous other countries. All Pay It Forward Foundation grants encourage and empower our youth to believe in themselves and their individual and collective abilities to shape the future.

If you would like to make a donation to the Pay It Forward Foundation you can do so by going to their website: www.payitforwardfoundation.org/home.html

OR by sending a check to:

The Pay It Forward Foundation
P.O. Box 552
Cambria, CA 93428

For more information on the "Pay It Forward" Concept visit http://www.piffinancial.com/payingitforward.html.