Buying a Home — the Patterson Home Team way.
Whether it's your first home, your move-up dream, your investment portfolio, or your vacation getaway — we help you buy the right way. Strategic, relationship-driven, and built on a high-trust, advice-first approach. No pressure. No fluff. Just guidance from an advisor who has spent many years helping families buy with confidence.
The Patterson Approach.
A quick look at how we guide buyers — from the first conversation to closing and beyond.
Four very different buyers. One mortgage advisor.
First-Time Buyers
Buying your first home is a major life decision. We don't rush it — we educate you on credit, programs, and what to expect, then structure your purchase so future moves are easier, not harder.
Explore →Move-Up Buyers
Selling your current home and buying your next one. We help you think through timing, financing, and the often-overlooked option: keeping your current home as a rental instead of selling.
Explore →Real Estate Investors
First rental, fifth rental, or fifteenth. We have the loan programs (DSCR, conventional investor, fix & flip, bridge) and the long-term strategy to help you build a portfolio — not just a one-off deal.
Explore →Second Home & Vacation Buyers
Vacation getaways, snowbird retreats, second homes. Different rules than primary, different programs, different strategy. We handle these regularly.
Three reasons buyers overpay on financing — and how we fix it.
They pick the wrong loan program
Most lenders push you toward whatever program is easiest for THEM. We model multiple programs side-by-side so YOU choose the right fit — not the most convenient one.
They don't optimize their credit
A 20-point credit difference can change your monthly payment by hundreds of dollars over 30 years. We do a credit consultation BEFORE you start house-hunting — so you walk into the purchase with optimal pricing.
They don't plan for the next move
Most buyers think one move ahead. We think three moves ahead. The financing structure of THIS home affects what's possible for the NEXT home. We optimize for your long game.
The 4-step Dreams & Goals approach.
Dreams & Goals Call
No paperwork. No credit pull. We talk through your situation, your goals, your timeline — then map out what's possible.
Strategy & Pre-Qualification
Once we have direction, we run a soft credit pull (no score impact) through our pre-qualification tool. You get a real qualifying picture without committing to anything.
Loan Structure & Lock
We structure the right loan for your situation, lock your rate at the right moment, and walk you through every fee and decision point.
Closing & Beyond
We're not done at closing. We stay engaged with annual reviews, refinance opportunities, equity strategy, and ongoing support for years to come.
Wondering what you qualify for? Find out in about 2 minutes.
Answer a few quick questions about your goals and your situation, and we'll show you where you stand — the programs that fit, your price range, and your best path to buying. No credit pull. No obligation.
Takes the guesswork out — before you ever talk to anyone.
The most popular purchase loan programs.
Bought a home before? Some of these may apply to you.
Buy Before You Sell
Don't want to sell first and then go house-hunt with no place to live? We have multiple programs that let you make non-contingent offers on your next home while your current one is still on the market.
Learn more →Buying With a Trust or LLC
Estate planning purchases, asset protection structures, multi-property portfolio purchases. We handle entity-level financing regularly.
Recovering From Bankruptcy or Foreclosure
There IS a path back to homeownership after credit setbacks. Each loan program has different waiting periods.
Learn more →Buying Without Tax Returns
Self-employed, retired, gig worker, or just have a complex income picture? You have 10+ paths to qualify without tax returns.
Learn more →Free tools to help you think through your purchase.
Mortgage Calculator
Estimate your monthly payment AND see what you can afford on your income.
Open calculator →Credit Guides
8 free score-range-specific guides to help you optimize your credit before buying.
Get the guides →Rent vs Buy
Should you rent or buy in your current situation? See the math.
Run the numbers →Ready to talk through your purchase?
15 minutes. No pressure. No pitch. We'll talk about where you are, what you want, and the path to get there.
Trusted by buyers across Texas, Louisiana & Florida
Families across all three states have shared their experience working with Brent and his team.
Read our verified client reviews →