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With Our Loan Officer

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Pat Labrada

Sr. Mortgage Banker

NMLS# 713435

About Me


The Southernmost Financial Team is your premier mortgage team located in Key West, Florida. The Southernmost Financial Team offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Key West area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage professionals here can help you take that first step toward a financial solution.

The Southernmost Financial Team's ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.

The Southernmost Financial Team specializes in the following Florida Mortgage Loans:

  • Home Purchase Loans
  • Home Refinance Loans
  • Harp 2.0
  • Jumbo Home Loans
  • FHA Loans
  • VA Loans
  • Cash Out Home Loans
  • And Much, Much More!

Although The Southernmost Financial Team is located in Key West, it offers unparalleled mortgage and refinance service to clients throughout the Keys and the Great State of Florida!

We keep your mortgage experience simple.


Shamrock Home Loans commits to making the process of securing a home loan as easy as possible for you. To that end, we have developed the My Home & Mortgage app as a tool to simplify the process.

Key Features:

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Compare different lending scenarios using various loan programs to help determine which product is the best for you.

Calculate Finger Touch App IconCalculate
Calculate the possible savings (or cost) of refinancing your mortgage.

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Scan in required documents on your phone and upload them quickly to expedite the loan approval process.


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— What People Are Saying About Me

I cannot recommend Pat Labrada highly enough! My partner and I were first time home buyers, and Pat helped us navigate the financing process from start to closing. He was straightforward, transparent, proactive, and responsive through the entire process. Pat managed what could have been the most stressful part of home buying, and made it the least stressful. Pat is a pleasure to do business with, and we live in a home beyond our wildest dreams, thanks to his help.

Brittany B.

My wife and I have used Pat Labrada for our last two home purchases. He was instrumental in securing us the lowest possible rate on a VA home loan. Pat was detail-oriented, conscientious, and extremely helpful throughout the complex VA mortgage process. We will definitely be using him again on our next home purchase!

Christopher N.

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— Educate & Motivate

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Helpful Articles

Knowledge Base

Knowledge is power! The more you know, the more enjoyable the home buying process will be. We have all the resources you need to make informed decisions along the way.

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Mortgage Calculators

Does it cost more to rent than to buy? How do you know if you should refinance? This handy calculators help show you the best options available to you.

Shamrock Home Loans CEO Dean Harrington poses outside in Rumford, RI.
Helpful Terms


Mortgage terminology can sometimes seem like an entirely different language. Search any term you may be unfamiliar with right here.   

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