ABOUT OUR TEAM

Home Loans Made Easy isn’t just our slogan. It’s how we work.

Patrick Home Loans is a mortgage broker built on a simple idea: make the process clear, personal and as easy as possible, whether you’re buying your first home, refinancing, or funding your next investment.

100+ five-star reviews

200+ wholesale lenders

4 ways we help: buy, refinance, invest and grow a business

Patrick Culleton

Patrick Culleton

Founder, Patrick Home Loans

NMLS #2318469

MEET PATRICK

Hey there, I’m Patrick.

Before I got into lending, I spent years in the restaurant industry. It taught me something I use every single day: people remember how you took care of them. That’s the standard I hold our team to, from the first phone call to the closing table and well after.

I started Patrick Home Loans to give people a better experience than they get from a big bank. As a broker, we shop your loan with more than 200 wholesale lenders, so we can find the right fit for your situation instead of forcing you into one bank’s box. That goes for first-time buyers, homeowners, investors and business owners alike.

I’m also a real estate investor, so I understand the numbers the way my investor clients do. I’m heavily invested in networking with other business owners, because the best business still comes from real relationships.

“My goal is to make this process as smooth and stress-free as possible and keep you informed every step of the way.”

HOW WE WORK

What you can expect from our team.

Clear communication

You’ll always know where your loan stands. If we can’t pick up, we’ll text you back with a time to talk.

Options, not one size fits all

More than 200 wholesale lenders and programs for almost every scenario, including ones most banks don’t offer.

Honest advice

If the numbers don’t make sense, we’ll tell you, even if that means waiting. Your long-term success matters more than one loan.

Here after closing

We keep an eye on rates for you, help plan your next move, and are always a call away when questions come up.

WHO WE HELP

However you want to use real estate, we can help.

Homebuyers

First home or next home, with low and no-down-payment options for eligible buyers.

Homeowners

Lower your payment, shorten your term or put your equity to work.

Investors

DSCR, fix and flip, bridge and construction financing. We love to BRRRR.

Business owners

Commercial property loans, SBA 7(a) and business funding.

REVIEWS

In our clients’ words.

100+ five-star reviews

“Working with Patrick was one of the best decisions I made during my home-buying journey. From day one, he was knowledgeable, responsive, and genuinely committed to helping me.”

Isaac

“I had an outstanding experience working with Patrick. His dedication and professionalism made my home buying process stress free and smooth.”

Katherine L.

“Patrick was there every step of the way, and I can’t recommend him highly enough!”

Brad S.

Let’s talk about your goals.

Book a free call, or start your application online. Either way, you’ll hear from me directly.

Or call or text (404) 974-6722