Business Details
Your Trusted Mortgage Broker in Bossier City, LA
Patriot Mortgage was founded by a veteran to provide specialized mortgage solutions for veterans and civilians in Bossier City, LA. Our expertise spans VA purchase loans, VA cash-out refinancing, conventional loans, FHA, and rural development loans. With decades of combined experience in mortgage brokerage, we prioritize personalized service, ensuring clients access competitive rates and tailored financing options. Our team adheres to strict ethical standards, maintaining NMLS certification and equal housing lender status.We invest in accessible digital tools while offering in-person and phone consultations to meet diverse client needs. Our commitment to transparency and customer education empowers clients to make informed decisions about homeownership. Through VA-focused services and conventional lending expertise, we help clients achieve their American Dream with low down payments, no PMI requirements, and flexible terms. Our local market knowledge and veteran-centric approach distinguish us as trusted advisors in northwestern Louisiana.
Services
VA Purchase Loans
VA Streamline Refinance
VA Cash-Out Refinance
Conventional Mortgages
FHA Loans
Rural Development Loans
Highlights and features
- Veteran-founded team with specialized VA loan expertise
- Access to competitive rates on VA purchase and refinance loans
- Personalized mortgage solutions for unique financial situations
- NMLS-certified equal housing lender with accessibility features
- Local market knowledge serving Bossier City and surrounding areas
Associations and certifications
- NMLS ID: 1700843
Services
VA Purchase Loans
Our VA purchase loans provide 100% financing options for veterans with no down payment requirements. These loans feature competitive interest rates, no private mortgage insurance, and flexible credit guidelines. We specialize in helping veterans utilize their VA benefits for primary residences, manufactured homes, and new construction projects in Louisiana.
VA Streamline Refinance
VA streamline refinancing reduces monthly payments through lower interest rates without requiring property appraisals. This program allows veterans to refinance existing VA loans with minimal documentation. Our brokers guide clients through rate reduction options and term adjustments to optimize mortgage affordability for Bossier City residents.
VA Cash-Out Refinance
VA cash-out refinancing enables homeowners to access equity for debt consolidation or home improvements. We offer 100% cash-out options meeting VA guidelines. Our team helps clients leverage home equity for education expenses, major purchases, or property renovations while maintaining favorable loan terms and conditions.
Conventional Mortgages
Our conventional mortgage options serve non-VA-eligible borrowers with competitive fixed and adjustable-rate programs. We offer various down payment options starting at 3% while maintaining flexible underwriting standards. These loans suit primary residences, investment properties, and second homes across our service areas in northwestern Louisiana.
FHA Loans
FHA loan programs provide low-down-payment options with 3.5% minimum requirements for qualified borrowers. Our FHA-approved brokers assist clients with credit challenges through lenient qualification criteria. These mortgages suit first-time homebuyers and those seeking affordable entry into the housing market across our Louisiana service regions.
Questions
What VA loan benefits do you offer for veterans?
We provide 100% financing options with no down payment, competitive rates, and no PMI requirements for VA purchase loans. Our cash-out refinancing allows equity access up to 100% loan-to-value ratios.
Do you offer mortgage options beyond VA loans?
Yes, we offer conventional mortgages with 3% down payments, FHA loans with 3.5% minimum down payments, and USDA rural development loans for qualified properties in eligible areas.
What are your current refinance rates?
Our VA refinance rates start at 2.25% APR for 30-year fixed-rate loans. VA streamline (IRRR) and cash-out refinance options maintain competitive pricing with flexible qualification requirements.
Which areas do you serve in Louisiana?
We serve Bossier City, Shreveport, Benton, Haughton, and Barksdale AFB. Our local expertise covers all residential property types across northwest Louisiana's diverse housing markets.
How can I apply for a mortgage?
Apply online through our secure portal, contact us at (318) 231-2400 for phone consultations, or visit our Bossier City office. Our brokers guide you through pre-qualification and loan closing processes.
