Patti O'Connor brings 27 years of inside knowledge to every real estate transaction — but she earned 25 of those years on the other side of the table.

For a quarter century, Patti was a top-performing mortgage professional, specializing in high-net-worth clients with complicated tax returns, self-employed borrowers, and the kind of complex financial profiles that send most lenders running for cover. With an average loan amount of $1 million, she became the person CPAs, wealth advisors, and other lenders called when a deal was hanging in the balance.

In 2024, she did what felt like a natural pivot, not a leap: she became a Realtor with Engel & Völkers in Annapolis. The transition made sense because real estate is the same business she's always been in — she just gets to walk clients through the full arc of a transaction now, not only the financing piece.

That mortgage background is Patti's quiet superpower. Self-employed buyers don't have to explain their K-1s twice. Jumbo financing isn't a mystery. When a deal hits a financing snag (and they do), she's already five steps ahead of it. For sellers, it means knowing exactly what kind of buyer can actually close — and which offers will fall apart at the underwriting stage.

Patti serves buyers and sellers across Annapolis, Washington, D.C., Montgomery County, Frederick County, and Anne Arundel County, with a particular focus on high-net-worth clients and self-employed borrowers navigating complex transactions. Her style is warm, direct, and relentlessly prepared. Her closings end with a signature red bow on the front door — because every "keys-day" should feel as good as it is.

When she's not at a closing or a showing, she's home with her husband Stephen of 24 years (also her favorite lender), her 5 children, and 8 grandchildren — or up at 5 AM doing the workout-and-reading routine that keeps the rest of the day pointed in the right direction.

If you're thinking about your next move — buying, selling, or quietly weighing options for the year ahead — Patti would love to be the person you call.

 301-922-7734 · [email protected] Engel & Völkers Annapolis · 138 West Street · Annapolis, MD 21401