Start Your Mortgage Journey with Pat Cary


Jaci Hays

Pat Cary
Mortgage Loan Officer

3900 N. McCord Rd. Toledo, OH 43617
Direct: 419-720-3486
Fax: 419-720-3943
Email: pat.cary@waterfordbankna.com
NMLS# 728213

As a Mortgage Loan Officer, I enjoy helping individuals and families navigate one of life’s biggest financial decisions: purchasing or refinancing a home. Whether someone is buying their first home, making a move, or simply exploring their options, I’m here to provide guidance, answer questions, and help make the mortgage process feel more approachable.

I grew up in West Toledo, graduated from Whitmer High School, and attended the University of Toledo. Before transitioning into banking in 2000, I spent 18 years in business administration, holding roles from office manager to branch manager. That experience gave me a strong foundation in service, organization, and relationship-building, which continues to shape the way I work with customers today.

Outside of work, I enjoy gardening, traveling, golfing, and relaxing with friends and family by the pool or on the patio. I also currently serve on the Washington Local Schools Foundation Board.

If you’re thinking about buying a home, refinancing, or just have questions about where to begin, I’d be happy to help.