About Purchase Loans
"We streamline the mortgage process, guiding you from initial pre-approval to closing day and beyond. Let us help you navigate each step, secure the right loan, and achieve your homeownership dreams with confidence."
ABOUT PURCHASE LOANS
Your Roadmap to Buying a Home: Simple, Clear, and Hassle-Free
Buying a home is a major milestone, and we’re here to make the process as easy and stress-free as possible. Whether you're a first-time buyer or looking to upgrade, taking the right steps early can set you up for success.
Step 1: Apply & Get Pre-Approved
The first step in your homebuying journey is getting pre-approved for a mortgage. This helps you:
✅Know exactly how much home you can afford
✅Show sellers you’re a serious buyer
✅Speed up the buying process
What You’ll Need for Pre-Approval:
✅Pay stubs (last 30 days)
✅Bank statements (last 2-3 months)
✅W-2s/1099s & tax returns (past 2 years)
✅Government-issued ID
✅Proof of down payment funds
Step 2: Find Your Dream Home & Make an Offer
Once you're pre-approved, it's time to start house hunting! Work with a real estate agent to find homes in your price range. When you find the perfect home, your agent will help you submit a competitive offer.
Step 3: Submit Your Documents & Finalize Your Loan
After your offer is accepted, we’ll need a few more documents to keep things moving. You’ll also schedule a home inspection and appraisal to ensure everything checks out.
Step 4: Loan Approval & Closing
Once everything is reviewed, your loan moves to final approval and you’ll receive a clear to close! On closing day, you’ll sign your final paperwork, pay any closing costs, and officially get the keys to your new home!
Final Tips for a Smooth Home Purchase
Once everything is reviewed, your loan moves to final approval and you’ll receive a clear to close! On closing day, you’ll sign your final paperwork, pay any closing costs, and officially get the keys to your new home!
Monitor Your Credit Score: A higher score helps you secure better loan terms.
Understand Your Down Payment Options: Different loans require different amounts.
Budget for Closing Costs: These can include appraisal fees, title insurance, and lender
fees.
Know Your Debt-to-Income Ratio (DTI): Lenders use this to assess how much you can
afford.
We're Here to Help!
Every homebuying journey is unique, and we’re here to guide you. Have questions? Ready to get started? Let’s work together to find the best mortgage solution for you!
Ryan S. Hortin
Senior Loan Consultant | 801-916-9006 | NMLS 312703
Utah is a wonderful state to work in real estate as a loan officer and to get to know many clients and Realtors. Ryan started his career as a loan officer in 2003 in Sandy, Utah and has assisted many clients to refinance and purchase a home. Over the years through his customer service and financing solutions he has been able to maintain his career working by referral.
Ryan enjoys his career in the real estate industry working with Realtors and assisting their clients to purchase a home. As an entrepreneur he grows his real estate career through hard work, dedication, and regular communication with clients and Realtor business partnerships.
1. Get Pre-Approved
Get pre-approved right online, using our free pre-approval tool.
2. Apply Online
In-house processors double check your paperwork and order an appraisal of your home. An underwriter will confirm that you meet qualification standards.
3. Find Your Dream Loan & Home
With your pre-approval letter in hand, you can start working with a real estate professional to assist you in finding your new home.
4. Win and close
That’s it, you did it! You beat every offer on the house you wanted and can close in as little as 15 days.
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Ryan Hortin is a Licensed Senior Loan Consultant NMLS # 312703 with Company NMLS# 265343
We take great joy in helping clients create a strategy specific to their goals. We’ll walk alongside you every step of the way with honest, accurate, SIMPLE and personal service. Every time. We provide top notch service, when you’ve worked with us you’ll feel our values – instead of reading them in an ‘about us’ section. We can’t wait to show you!
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Patriot Home Loans
2596 West 11275 South
South Jordan, UT 84095
NMLS#265343
Disclaimers
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply.
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Utah NMLS License #265343 For licensing information, go to: www.nmlsconsumeraccess.org
Networking with Us
If you are a realtor, attorney, appraiser, home inspector, or insurance agent contact us to learn more about becoming a referral partner.