“Very few denied” – JOHN SEYBERT, PRESIDENT

Contact Us Today

“Patriot Home Funding did for me and my family what 14 (literally) other lenders said couldn’t be done! Just over a year out of bankruptcy, I had rebuilt my credit but none of the “big lenders” would give me more than 5 minutes of their time. John and his team took the word “guideline” for what it really is, a guide and not a rule. They worked extremely hard and were able to get every single line of my credit application underwritten and approved. If you are looking for a company that will actually work to earn your business than look no further. John and his team got me a great interest rate and more importantly our dream home!”
John Crutchfield
Director of Sales Operations & Marketing, Marriott Vacation Club International

BUY A HOUSE

house shaped by people

HOME FUNDING STEPS

TO QUICK AND EASY APPROVALS

Contrary to conventional wisdom, it is not overly difficult to obtain mortgage approval in current times. In fact, the opposite is often true. Take these 10 easy steps to ensure quick and easy approval when you are ready to shop for your dream home:

DO’S & DON’TS OF HOME BUYING

Here are some tips all home buyers MUST follow. They may seem like common sense but buyers can sometimes forget the basics with all the excitement surrounding the purchase of their new home. In the past 30+ years of helping clients buy homes, we have seen buyers who saw their home loan turned down, and their dream shattered a few days before closing because they had bought furniture for their new home before it actually became their home!

These buyers were NOT our clients, but it always hurts when we hear of transactions falling apart  for reasons that could have been avoided. These tips are part of the buyer packet we give all of our clients when we first meet and we always stress that once they get pre-approved and the process started, they cannot do anything that might affect their credit!

  • Don’t change jobs, become self-employed, or quit your job.
  • Don’t buy a car, truck, or van (you may be living in it!)
  • Don’t DISPUTE ANYTHING on your credit report!!!! Any current disputes have to be removed.
  • Don’t use credit cards excessively or let your accounts fall behind.
  • Don’t spend the monies you have set aside for closing.
  • Don’t omit debts or liabilities from your loan application.
  • Don’t buy furniture or open ANY new credit accounts!
  • Don’t originate any inquiries on your credit.
  • Don’t make large deposits without first checking with your loan officer & NO CASH DEPOSITS EVER!
  • Don’t change bank accounts.
  • Don’t co-sign a loan for anyone.
  • Don’t schedule a day off for closing until I have told you a closing date.
  • Don’t turn on utilities until after loan has closed and FUNDED.
  • Don’t schedule movers or rent a U-Haul until your file has been officially CLEAR TO CLOSE and closing has been confirmed in writing by your loan officer.
  • Do disclose all properties and land owned. (Free and clear, inheritance, or has a current lien on property)

If you are in the process of buying a home, remember that your credit must not change or be affected in any way until you actually sign the paperwork, the loan funds, and you get possession of your new home. Lenders will not only look into your credit when you first get pre-approved, they will check it again (and sometimes again & again) before they let you sign the mortgage. If you want to buy new furniture for your home or change jobs, just be patient. There will always be lots of time to do this after the closing!

TESTIMONIALS

“I am extremely satisfied with the service that Patriot Home Funding offers. Working in real estate for quite a few years I have met many mortgage brokers that state they will offer the” best service to your clients” and let you down drastically. It is actually marvelous to find a mortgage broker that actually “live up to” their promises!”
L.T. Realtor/Broker , Orlando, Florida
“Had it not been for Patriot Home Funding’s efforts, their persistence, diligence and knowledge of the funding regulations and procedures we would not have been able to close our loan and purchase our home. Not sure another mortgage company would have been as persistent and knowledgeable as Patriot Home Funding, and I’m sure the end result would not have been the same.”
J.P., Buyer, Mt. Dora, Florida
“Financing is not getting any easier, there always seems to be problems; but, when you have a company like Patriot Home Funding, they find solutions.”
K.M., Realtor/Broker
“My experience was unbelievably smooth and easy. I would highly recommend Patriot Home Funding in the future. It was an extremely positive experience”
A.H., Groveland, Florida
“Patriot Home Funding was very helpful. They understand how stressful it can be to buy a home. They are very clear, specific, and most of all patient with their clients.”
V.P., Clermont, Florida
“Pierce, I wanted to take this opportunity to thank you for all of your help and the quick and efficient way you handled everything. You made things so easy for me. Thank you for your kindness and expertise. If I know of anyone seeking financing I will not hesitate to recommend you.”
Annette W. , Cooper City, FL
“Pierce, Just wanted to say thank you for making this deal happen. I heard about you running to New Smyrna to pick up the documents and then running them to UPS. That is truly amazing. Thank you!”
Rebecca B. , Oak Hill, FL
“Pierce and Harley, I just want to thank both of you for making this come true. This process went really smooth and I felt that I was in good hands the entire process. I will definitely recommend both of you.”
Mariel R. , Deltona, FL
“Pierce and Harley, Just a note of heartfelt gratitude and appreciation for all your help especially Harley’s hard work and efforts in making buying this house happen. Thank you both.”
Ben P. , Inverness, FL
“Pierce & Harley, I just heard from title company that we are officially closed and funded. I wanted to thank both of you for the hard work in getting this completed as I know it was not an easy property to finance.”
John B. , Kissimmee, FL
“I would like to express my deep appreciation for John and his staff for the outstanding job they performed in acquiring funding for our new home. They were very efficient and patient with me as I had to function from the hospital. I highly recommend John and his company for any of your mortgage needs. I know that I will refer anyone that needs funding for a mortgage to them. I will use them for all of my future mortgage needs. They are an honest company with good character and integrity. Thank you!”
Gary and Gigi Erwin
“Pierce, one more time…thank you very much to you and your team. It was a pleasure. Great service.”
Judi C. , Debary, FL
Rob and I cannot say enough great things about Patriot Home Funding! It really is financing the American Dream! Special thanks to Ashley Bedford and her team who are phenomenal! I felt like my best friend was watching our back throughout our home buying experience! Ashley didn’t just get us a great loan, but guided us and offered her experience to ensure that we purchased the right home! My family could not have done this without her! We are eternally grateful for the experience and friendship that we received from Ashley Bedford, Patriot Home Funding, and everyone that works with Ashley!
Thank you, again, for everything!
Shelia Hawkins
Senior Couple Sitting Outdoors

LOAN OPTIONS

Conventional
Loans

Read More

FHA
Loans

Read More

Fixed Rate
Loans

Read More

VA
Loans

Read More

USDA Rural Financing

Read More

  WE SAY YES WHEN BANKS SAY NO

Jumbo
Loans

Read More

Reverse
Loans

Read More

Renovation
Loans

Read More

Non
Conforming

Read More

Investor
Loans

Read More

Glossary
Calculators

REFINANCE

FOR REAL ESTATE BROKERS

10 ITEMS EVERY REALTOR SHOULD KNOW

THAT WILL HELP US HELP YOU

THE PATRIOT DIFFERENCE

ABOUT US

Welcome to Patriot Home Funding Inc.

The Patriot Home Funding Inc. Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true.

At Patriot Home Funding Inc., our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

MEET OUR TEAM

John Seybert

John Seybert

President

See Bio
Pierce Outlaw Vice President at Patriot Home Funding

Pierce Outlaw

Vice President

See Bio
Arlo Croxall Senior Loan Processor at Patriot Home Funding

Arlo Croxall

Senior Loan Processor

See Bio
Ashley Bedford Loan Originator at Patriot Home Funding

Ashley Bedford

Loan Originator

See Bio
Mariah Lee Loan Originator at Patriot Home Funding

Mariah Lee

Loan Originator

See Bio
Harley Anderson Senior Loan Processor at Patriot Home Funding

Harley Anderson

Senior Loan Processor

See Bio
Loading...

QUESTIONS & COMMENTS

Use this form to receive advice from one of experienced professionals regarding Mortgage and/or Real Estate related topics

Your Message

CONTACT US

CONTACT PATRIOT HOME FUNDING INC. NMLS#171699

982 Douglas Avenue, Suite 100
Altamonte Springs, FL 32714
Phone: 407-389-5132
Fax: 321-281-4725
Email: info@myphf.com

Your Message

Which agent would you like to contact?

CLIENT SIGN IN

Setting up a system to share your private documents with Patriot Home Funding has never been easier, safer and more secure. Clients set up their own secure Dropbox account and email their documents directly to their Patriot Home Funding Loan Representative.

If you have any questions, please feel free to contact us and we will help you every step of the way.

Follow These Quick and Easy Steps:

  1. Go to Dropbox.com
  2. Sign up for a new account
  3. Create a new folder
  4. Share the folder with your Patriot Home Funding Loan Representative
  5. Upload your documents
  6. Send your documents
  7. Quick, easy and secure

At Dropbox, the security of your data is our highest priority. We have a dedicated security team using the best tools and engineering practices available to build and maintain Dropbox, and you can rest assured that we’ve implemented multiple levels of security to protect your files.

files in a box
Need Help?
Upload Now
Patriot Home Funding logo 391x62px

The Patriot Home Funding Inc. Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true.

CONTACT PATRIOT HOME FUNDING INC. NMLS#171699

982 Douglas Avenue, Suite 100
Altamonte Springs, FL 32714
Phone: 407-389-5132
Fax: 321-281-4725
Email: info@myphf.com