Patriot Home Mortgage VA Loans Review

Rating: 8.3 / 10 (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.

How is Patriot Home Mortgage rated?


Loan Options
Application Process

Overall Rating: 8.3 / 10 (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.

Loan Options

Lender Type
VA Loan Types
Rate & Term Refinance
Streamline Refinance (IRRRL)
Cash-out Refinance
Cash-in Refinance
Property Types
Single Family Home
Multi-family Unit
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
Loan Size

Loan Options - 8 / 10

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.

Application Process

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

Application Process - 8.6 / 10

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.


Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
NMLS Collection Date

Online Reviews

BBB Rating
Date Collected

Reputation - 8.5 / 10

Patriot Home Mortgage has a minimal online presence. They are, however, members the Nationwide Mortgage Licensing System (ID number 715386).

Contact & Additional Information

Homepage URL
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

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Customer Comments & Reviews

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Charles S
Chandler, Arizona
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.

Top Rated
Our Partner
10 / 10
  • More than 150,000 loans closed for Veterans and service members nationwide
  • Specialize in VA Loans to offer a streamlined process
  • Network of 6,000 Veteran-friendly real estate agents with Veterans United Realty 
  • Advised by former senior enlisted leaders from each branch of the Armed Forces
  • Extensive resources designed to help educate homebuyers
  • Representatives available 24/7 to better serve troops overseas
  • Equal housing lender