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Hello,
I'm Patrick Stoy
Owner/President
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Hello, welcome to my page.

Patrick Stoy is the Founder and President of MC Capital Group, a multi-branch mortgage brokerage headquartered in Wilmington, North Carolina, proudly serving clients across the United States.

Since founding the company, Patrick has helped thousands of individuals and families achieve their dream of homeownership while also guiding real estate investors toward building long-term wealth. His extensive mortgage expertise, innovative approach to lending, unwavering commitment to exceptional client service, and passion for giving back to the community have earned him widespread recognition. In 2021, Patrick was honored as Best Lender in the Region and Mortgage Professional of the Year, reflecting both his industry excellence and dedication to those he serves.

Beyond his professional accomplishments, Patrick is deeply committed to making a positive impact in his community and takes great pride in calling Wilmington home. He is the proud father of two wonderful children. His son, Jacob, works for Volvo after completing his education at the NASCAR Technical Institute in Mooresville, North Carolina. His daughter, Piper Ann, keeps him on his toes with her vibrant personality and unwavering confidence that she knows just a little more than her dad.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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