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Patriot Home Mortgage VA Loans Review


ConsumersAdvocate.org Rating: 4.2 / 5 (Excellent)
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Patriot Home Mortgage, a Utah-based mortgage servicer founded in 2011, provides home mortgage refinance loan, bad debt credit consolidation loan, bill consolidation, VA loans, and online mortgage information services across all 50 states.

Patriot Home Mortgage offers free consultation services, as well as a variety of educational resources for their customers.

They have an A+ rating with the BBB.
 
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How is Patriot Home Mortgage rated?

Breakdown

4.3/5
User Experience
4.0/5
Tools & Resources
4.3/5
Expertise

Overall Rating: 4.2 / 5 (Excellent)

Patriot Home Mortgage features a variety of VA loan options, which are suited to many different borrowers.

They follow the industry standard when it comes to the government’s preset qualification criteria, and the fees that they waive.

Patriot Home Mortgage’s overall lack of an online reputation is lamentable, if only because its otherwise strong loan offers aren't backed by reviews from real customers.

Patriot Home Mortgage Tools & Resources

Lender Type
Broker
VA Loan Types
Purchase
Rate & Term Refinance
Streamline Refinance (IRRRL)
Cash-out Refinance
Cash-in Refinance
Jumbo
Property Types
Single Family Home
Multi-family Unit
Townhome
Condo
Mobile/Manufactured Home
Term Lengths
40 Year Fixed
30 Year Fixed
25 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed
Adjustable Rate Mortgage Terms
10/1 ARM
7/1 ARM
5/1 ARM
3/1 ARM
1 Year ARM
Maximum Loan Size
$424,100
Minimum Loan Size
$36,000

Tools & Resources - 4 / 5

Patriot Home Mortgage specializes in all manner of fixed- and adjustable-rate VA Loans.

Able to accommodate nearly every type of home, they offer VA loans ranging in value between $36,000 and $424,100, which fall within governmental limits.

Patriot Home Mortgage User Experience

Fee Information
VA Funding Fee
Waived Fees
Private Mortgage Insurance, Prepayment penalties
Minimum Credit Score
620
Borrower Qualifications
41

User Experience - 4.3 / 5

Patriot Home Mortgage, follows the industry standard, requiring a VA funding fee as part of the application process, a minimum credit score of 620, and a maximum debt-to-income ratio of 41.

They also waive prepayment penalties and the need for private mortgage insurance.

Patriot Home Mortgage Expertise

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
715386
NMLS Collection Date
2017-08-23

Online Reviews

BBB Rating
A+
Date Collected
2017-08-23

Expertise - 4.3 / 5

Patriot Home Mortgage has a minimal online presence.

They are, however, members the Nationwide Mortgage Licensing System (ID number 715386).

Find out other company reputations and reviews at our Top 10 Best VA Loan Providers of 2018 page.

Contact & Additional Information

Homepage URL
https://www.patriotvaloans.com/
Company Phone
(844) 912-1620
Headquarters Address
619 Bluff St. Tower 2 Ste 1B, St. George, UT, 84770
Mailing Address
619 Bluff St. Tower 2 Ste 1B, St. George, UT, 84770
Year Founded
2011

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Customer Comments & Reviews

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S
Susan M
11/9/2021
We recently had the pleasure of working with Jeff Bleak and Allie Hall. They both were extremely professional, kindly and promptly answered all of my questions, and kept me apprised as to the status of the refinance they helped us with. They were even able to qualify us for a Conventional loan vs. FHA which saved us over $ 150.00 per month as we did not have to pay PMI which is required for all FHA loans. I would not hesitate to use them again in the future or to recommend them to my friends and business associates. We cannot express enough how grateful we are to Jeff & Allie and Patriot Home Mortgage. Sincerely, Richard & Susan Burkhardt

kevinfrimel
8/13/2019
Im a Disabled Veteran. Patriot Mortgage helped me get financing for my home. Brogan and his team fought hard for me and even protected me from a another organization trying to take advantage of me through "Steering". I was able too call 7 days a week anytime when I had questions or concerns about the process. Id recommend them too anyone purchasing a home especially for Veterans.

J
Jerry P
9/20/2018
Michael Bardy will not respond in a timely manner. We lost out on 2 houses due to the unprofessional way this company is run. Michael Bardy finally called us back and swore at my family and called us F'n losers followed by a tirade of swear words. SHOCKING behavior from this man.

Charles S
9/11/2017
This place is a scam. They want your information to sell to other companies which will also send you junk mail and will put you on additional mailing lists. Attempts to be removed from their lists go nowhere, I called 6 times before giving up. There is no return address on their fliers to send the mail back to them.

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