We believe every couple deserves a clear, achievable path to financial freedom and the home of their dreams.
Our Mission: Helping Couples Build the Foundation for a Debt-Free Life and a Home of Their Own
Empowering Your Financial Journey
At Dollars & Sense, we’re passionate about guiding couples through the challenges of debt, so they can step confidently into homeownership. Our founder, Pat Collins, brings a wealth of experience in finance, real estate, and coaching to every client relationship—making your financial transformation as smooth and successful as possible.
Recognized for innovative debt reduction strategies and empowering couples to achieve their biggest financial milestones.
Over a decade of experience as a Mortgage Advisor, Realtor, and Financial Coach, helping hundreds of couples create pathways to homeownership.
Meet the Founder
Pat Collins
Founder, Mortgage Advisor, Realtor & Financial Coach
From managing and leading high-performance teams at industry leaders like Xerox and building successful ventures like DOCUCOPY INC and PinTree MPS, Pat understands what it takes to set and achieve big goals. His personal journey—overcoming debt, purchasing homes, and guiding others through the same process—fuels his commitment to helping couples break free from financial stress and enjoy the home of their dreams.
Pat’s unique background in IT, managed services, sales, and real estate gives clients a holistic perspective that goes beyond numbers—empowering them to make smart, confident decisions every step of the way.
Debt Elimination Coaching
95%
Budgeting & Financial Planning
90%
Home Buying Readiness
100%
Experience You Can Trust
Pat’s Unique Expertise
Years of hands-on experience in real estate, finance, and leadership mean Pat Collins understands the journey from debt to homeownership—because he’s been there himself.
Pat’s proven process combines practical financial tools, compassionate coaching, and actionable steps to deliver lasting change for couples ready to transform their futures.
Our Approach
Guiding Couples to Financial Confidence, With Support, Expertise, and Real-World Results clarity. freedom. ownership.
Pat Collins
Founder, Mortgage Advisor, Realtor & Financial Coach
