Patriot Home Mortgage · NMLS #715386 · Licensed in Arizona (623) 696-8683 Email Erik
Home › Buy a Home

Buy a home with financing that holds up

Becoming a homeowner is more than buying a house. Getting the loan structure right is what makes the whole thing work.

Purchase loans

This market rewards preparation

The buyers who win are the ones whose financing is already sorted. We get you fully pre-approved up front so that when the right house shows up, your offer is the one the seller trusts.

You will know your maximum, your comfortable monthly payment, and your cash to close before you ever walk a property. And you will have someone to call when something changes.

What you get working with us

Know your real number first

A pre-approval based on documented income and credit — not a guess. You shop with confidence and your offer carries weight.

Move fast when it counts

When you find the house, we are ready. Quick turn times on updated letters and a file already in motion.

An agent-friendly lender

Listing agents want to know the financing is solid. We make that call and back up your offer.

No surprises at closing

You see the costs up front and we keep them there. The number at the table matches the number we quoted.

Loan options

Purchase programs we write

Every one of these is available through our team.

30-Year Fixed

The most predictable payment there is. Same principal and interest for the life of the loan.

Learn more

15-Year Fixed

A higher payment, but far less interest overall and a house you own outright in half the time.

Learn more

Adjustable Rate

A lower fixed rate for the first 5, 7, or 10 years. Strong fit if you know your timeline.

Learn more

FHA Loans

Low down payment and flexible credit requirements. Often the answer when other programs say no.

Learn more

VA Loans

For veterans and active duty: zero down, no monthly mortgage insurance, competitive rates.

Learn more

USDA Loans

Zero down financing for eligible rural and suburban addresses. More areas qualify than people expect.

Learn more

Jumbo Loans

Financing above conventional limits for higher-priced homes, without the runaround.

Learn more

203k Renovation

Buy the house and finance the repairs in one loan. Ideal for a home that needs work.

Learn more

Ready to get pre-approved?

It takes about 60 seconds and there is no credit pull to get your quote.

Call (623) 696-8683