Our Services
At Home Loans with Patty, we’re committed to finding the right mortgage solution for your unique needs. Whether you're a first-time buyer, a veteran, self-employed, or building your credit, we offer a variety of loan options designed to help you reach your homeownership goals with confidence.
FHA Loans
Perfect for first-time homebuyers or those with lower credit scores, FHA loans offer flexible qualification requirements and low-down payments, making homeownership more accessible.
VA Loans
Exclusively for veterans, active-duty service members, and eligible spouses, VA loans offer zero down payment options, no private mortgage insurance, and competitive interest rates as a thank-you for your service.
Bank Statement Loans
Tailored for self-employed individuals or small business owners, Bank Statement loans allow you to qualify for a mortgage based on your bank deposits rather than traditional income documentation.
Conventional Loans
Conventional loans are ideal for borrowers with good credit and a stable income. These loans often offer competitive interest rates and can be used for primary homes, second homes, or investment properties.
ITIN Loans
Designed for individuals without a Social Security number, ITIN loans help non-citizen residents purchase a home using their Individual Taxpayer Identification Number.
What Our Clients Say
Norma Campos, Realtor
"Working with Patty Mendoza has been a true blessing. Her professionalism, dedication, and deep knowledge of the mortgage process made all the difference in helping my clients achieve their dream of homeownership. Patty is not only reliable and efficient, but she also genuinely cares about every person she assists. I fully trust her with my clients and highly recommend her to anyone in need of a trustworthy and knowledgeable loan officer."