You want
a house.
Excellent. Before you fall in love with the kitchen, let’s talk about the payment.
I’m buying a home ↗BORING MORTGAGE / PATRIOT HOME MORTGAGE
“Exciting”
isn’t always
a good thing.
Neither is a text from your lender that starts with “So… funny story.”
You want a boring mortgage.
I’m your guy. Nobody is more boring than me.
Fighting a tiger.
Very exciting. Terrible afternoon.
Pick your bad day. Then let’s make your mortgage less interesting.
Exciting house? Yes.Exciting mortgage? Absolutely not.
YOUR TURN. LESS DRAMA.
Let’s make this
less exciting.
Three quick questions. One clear next step.
No email ambush. No commitment.
BORING IS THE WHOLE POINT
You found the house.
Let’s not add a tiger.
You’re packing boxes. You’ve booked the truck. Then your lender calls: “We may have a problem.”
Exciting, right? Exactly. I’m Erik Miller with Patriot Home Mortgage. I’d rather ask the awkward questions early, explain the numbers, and keep you in the loop. Wild stuff.
I can’t promise every loan will be uneventful. I can promise I take the boring details seriously.
Meet Erik at Patriot Home Mortgage ↗FAMILIAR PROGRAMS. THE DETAILS UP FRONT.
Regular loan programs.
No mystery box.
Conventional. FHA. VA. The usual suspects, through Patriot Home Mortgage. We’ll talk about what fits, what it costs, and what you need to qualify. No drumroll necessary.
CONVENTIONAL
Conventional. As advertised.
A mortgage that isn’t government-insured. We’ll review how your credit, down payment, and property affect the options.
Ask about mortgage insurance and the difference between a fixed and adjustable rate.
FHA
FHA. Let’s check the fit.
Government-insured financing that may fit buyers who need more flexibility. Qualifying requirements still apply.
Ask about upfront and ongoing mortgage insurance, property standards, and your total cash to close.
VA
VA. You’ve earned a closer look.
Financing for eligible veterans, service members, and certain surviving spouses. Let’s review eligibility and the property together.
Ask about the Certificate of Eligibility, any funding fee or exemption, and remaining closing costs.
USDA
For eligible borrowers and properties in qualifying areas. Income and location requirements matter.
Jumbo
For financing above conforming loan limits. Documentation, reserves, and credit requirements can differ.
Refinancing
A fresh look at your current mortgage, including the costs of changing it—and the option to keep it.
All programs are subject to eligibility, underwriting, property approval, and availability. Explore Patriot’s loan options ↗
THE PLOT, SUCH AS IT IS.
Four steps.
Zero tiger fights.
You tell me things.
Your goals, your timeline, your questions. We start with a conversation.
I ask for paperwork.
Review your situation and documents, compare options, and clarify next steps.
We do the loan stuff.
Processing, appraisal, underwriting, and questions along the way.
Then comes the house.
After final approval, signing, funding, and any required recording. Cue the exciting part.
APPARENTLY, PEOPLE LIKE THIS.
Don’t take my
extremely boring word for it.
They bought homes.
They have opinions.
For me, the communication was really what stood out. There was no moment in time that I felt I was alone.
Erik was such a huge help in the daunting process of buying my first home! He helped explain all of the confusing numbers and details until I understood.
Erik is the best. He helped us in ways we never thought of. I would recommend Erik to anyone!
Exceptional first-time home buyers experience. Erik Miller, Albert Luc and the rest of the team went above and beyond to assist us in purchasing our dream home.
Individual experiences vary. Testimonials describe past experiences, not a guarantee of future results. Original testimonial source ↗
OUR TARGET AUDIENCE, APPARENTLY.
Now that’s
the reaction I want.
A mortgage so well explained, your biggest question is where you put the coffee.
Meet your boring mortgage guy ↗YES, YOU CAN ASK THAT.
The questions
people actually ask.
Do I need to know which loan I want?
No. Tell me about your situation and we can review the options together. Loan eligibility depends on your finances, the property, and program requirements.
What should I have ready?
Start with your goals and timeline. For an application, expect requests for income and asset documentation, identification, and information about debts and the property. Your exact checklist depends on your situation. Use Patriot’s secure application for sensitive documents.
Is the lowest rate always the best deal?
Compare the rate alongside lender fees, points, mortgage insurance, monthly payment, and cash to close. Ask for comparable Loan Estimates so you can understand the tradeoffs.
Does boring mean nothing can go wrong?
No lender can promise that. Boring means aiming for a prepared, well-explained process: identifying issues early, communicating clearly, and helping you understand the next step.
YOU DESERVE A BORING MORTGAGE
Keep the house.
Skip the plot twist.
Call the boring guy ↗Or call 623-696-8683. It’s me. Erik.