1. Welcome to Patriot NTNL Mortgage Company
Patriot was formed in Southern Maryland June 1993 under the local ownership of David C. Cole. Patriot
began doing just Mortgages in the DC, MD, VA area.
In the early 2000’s, Patriot opened their unsecured home improvement financing division. It continued
servicing the DC, MD, VA areas .
Then in 2011, Patriot decided to amend their business plan and added GA and NC to their servicing area.
Then again in 2012 they announced the additions of OH, TN, and TX.
Now in 2014, Patriot is adding FL .

2. The Equalizer A, B, C and D Credit The Ultimate A Credit Only
Patriot wants to become your complete finance department! When a credit application is received Patriot begins the approval process through one of its 4 programs.
The Equalizer A, B, C and D Credit
The Ultimate A Credit Only
The Bumps N Bruises B, C Credit
The Challenger C, D Credit

3. The Application Process There are two ways to submit a credit application. 1. Have the customer complete the online credit app through Please note this is not an auto approval it is just a secured way to transfer a customer’s data to Patriot. 2. Have the customer complete a paper credit application and it to Once this is received the process is instantly begun.
Did you know that Patriot does not allow a machine to make their credit decisions? They have several old fashion credit underwriters to do the job they feel a machine cannot.

4. The Approval / Loan Docs Process There are two ways to get your Approval and Loan Docs. 1. Patriot will set up a Dropbox file for you. Patriot will placed your Approval and Loan Docs in your file for you to retrieve. Please note this file is only viewable by you and Patriot. 2. Patriot will you the Approval and password protected Loan Docs at the same time for you.
Please note Patriot will only send Approval and Loan Docs for full dollar approvals. Any counter offers will have only the approval until the final numbers are concluded.

5. The Pre – Pack for Smooth Funding Patriot understands that you have a lot of time and money invested in this customer so when it comes time to fund we want that to go smoothly. 1. As soon as you close the loan, fax it to or it to for review. 2. Patriot will give you the OK to build and then you must immediately mail your loan documents to Ridge Road, Mount Airy, MD
Please understand that Patriot wants to fund your loan just as quick as you want it funded. So, if you don’t pre – pack according to above it just will slow things down.

6. Let’s Put the Fun into Funding Together Patriot now has your original documents and have them on standby for funding. Here is how simple the funding is: 1. Take the completed completion certificate supplied in your loan package, along with the completed funding form with all the customer phone numbers to or it to 2. Patriot will begin the funding process. All loans get a verification call, so if we call and reach them today, you will be paid tomorrow. The longer it takes, the longer you wait for your money. So, please use the form with the customers phone numbers, it will make it easier for us both. 3. The commodity call is complete then the next day we ACH the funds into your account.
Fast funding is very important to Patriot but please remember it always starts with you. The more phone numbers we have the better change we have in reaching the customer.