When it comes to your Mortgage,

boring is better.

Finding and getting the perfect house is very exciting, It's thrilling!!

Financing it shouldn't be.

Are you looking to purchase a home for the first time?

Our Offerings

Behold, loan programs that you've heard about... and things that make sense...

and information that totally explains everything in easy to understand language.

Conventional Mortgage Information

From candid moments to romantic

portraits, we capture the magic of your

special day. Our personalized

approach ensures your love story

shines through in every image.

FHA Mortgages

Gather your loved ones for an

unforgettable photoshoot. We create

heartwarming family portraits that

reflect the unique bond you share.

VA Home Loans

Celebrate the joy of new beginnings

with our delicate and artistic newborn

and maternity photography. We

tenderly capture the beauty of this

remarkable phase in life.

Revenue Cycle Management

We provide comprehensive revenue cycle management solutions, from patient registration and eligibility verification to billing, payment posting, and denial management. Our streamlined approach helps you optimize cash flow and reduce administrative burdens.

Other Mortgage Information

Impress your clients and elevate your

brand image with our professional

corporate event photography. We

ensure every important detail is

impeccably captured.


W. Wilkinson

Erik is a very knowledgeable officer with a very enthusiastic work ethic. He got me the best possible deal and I am very satisfied that he gave it his all.

Mary Bosker

Erik Miller called me many years ago, after I had been doing a search online about options to refinance my home. I was skeptical at first, as I generally am whenever I get calls from people I don’t know, but after just a few minutes of speaking with Erik, I felt very much at ease. Honestly, I felt like Erik’s call was an answer to prayer!

David Ray Harrison

Erik is the best. He helped us in ways we never thought of. I would recommend Erik to anyone!

Dennis Farl

We were referred to Erik by another neighbor 5 years ago. Did a great job with the sale and purchase of our house. If we get in a conversation about loans we say “we got a guy that you need to chat with”. That’s all. Erik is our “Guy”.

Ken Njenga

I am very thankful to Erik, Albert and their team, for the hard work they put in. They were able to help finance my first home.

For me, the communication was really what stood out. There was no moment in time that I felt I was alone. Erik was available practically most hours of the day, even late at night he would respond to any questions, and if he couldn't he made sure to always let me know when a good time would be.

Thank you so much Erik.

Andrew O'Brian

Erik Miller and his team were absolutely phenomenal in assisting us in our home mortgage process! We would recommend them to anyone with home lending needs. We will most certainly be life long customers, with any future property in mind. Erik advocated for us at every step as well as educated us on all the areas of concern and uncertainty. Thanks to him and his team, we are in our first family home and have financial peace of mind.

Chloe Williams

Erik was such a huge help in the daunting process of buying my first home! He helped explain all of the confusing numbers and details until I understood. I would recommend him for anyone in the home buying process!

Lily Vega

Exceptional first-time home buyers experience. Erik Miller, Albert Luc and the rest of the team went above and beyond to assist us in purchasing our dream home. I highly recommend their services for all your mortgage needs.

Tim Lentine

Erik is truly one of a kind. From the moment I met him, he has been by my side in repairing some credit issues and getting us back on track be approved for our dream! We could not have done it without his help. If you need someone on your side, to help you get where you need to be to buy your dream home, talk to Erik Miller! Eternally grateful!

Nadine Flash

Erik and Albert are so genuine, honest and professional. We felt so important and cared for. Never have we had anyone show so much compassion and caring. Eric Miller is someone you can trust and know he'll do his best for you always!! What a guy!

D Allin

Highly recommend to anyone looking to finance a home. You can't get better one on one, experienced, knowledgeable and quality service. Erik and Albert were always available when we called day or night. They helped us into our dream home and we closed our loan in less than 30 days! AND Erik pulled off a lower interest rate and payment with our credit. He worked hard and never gave up on us over months looking for a home. The moral support was to not go unnoticed. Erik is easy to talk to, always upbeat with positive words and made me laugh with his sense of humor. Albert was always available for my many questions with a positive attitude.

Austin Buoy

Words can not express how awesome they are! Anytime I have had a question, concern, etc... They helped me the entire way. They helped my wife and I with our first home purchase and made it a breeze! Anyone looking to take the stress off their shoulders and have a whole team on their side choose these guys! Outstanding!

Frequently Asked Questions

How can we make positive difference for you today?

Should you get an FHA loan?

It really depends. An FHA loan can be a viable path to homeownership for many types of buyers, especially if you have a lower credit score. An FHA loan can also work well if you don’t have much down payment savings.

If you have a minimum 580 credit score, you’ll only need to put 3.5 percent down. All that said, If you'd like more information, click the bubble, call, set an appointment. Let us help you.

Are there different kinds of FHA Loans?

Absolutely. Here are the different loan types, and a brief outline the idea behind each loan type.

Basic home mortgage loan 203(b): A standard mortgage loan insured by HUD. Borrower must meet credit requirements and must purchase a one-to-four unit structure with a price below the area’s mortgage limit. Up to 96.5 percent financing available.

FHA adjustable-rate mortgages (ARMs): Unlike fixed-rate mortgages that have the same interest rate for the life of the loan, adjustable-rate mortgages will start out with a lower interest rate for a certain amount of time, and will then adjust to a higher rate once that period expires. The rate will then change on a regular basis, typically once a year. You might consider an ARM if you plan to sell the home before the rate adjusts to the higher level, or if you expect that your income will increase to compensate for higher payments. Otherwise, the risk of a significantly higher payment down the road is not to be taken lightly.

203(k) loan, aka rehabilitation mortgage: You can use this loan to finance up to $35,000 into your mortgage to repair, upgrade, or improve a single-family home.

Home equity conversion mortgage for seniors: You can use this reverse-mortgage program to withdraw a portion of your home’s equity to receive as income.

FHA streamline refinance: A refinance option that requires minimal borrower credit documentation and underwriting.

FAQ image

How Do I Qualify for a Mortgage?

Obviously a great question! Here is the quick answer: To qualify for a mortgage, an investor will typically look at several key factors: your credit score, credit history, your debt-to-income ratio (DTI), consistent employment or income history, and sufficient specific income and assets to repay the loan.

What Kind of Documentation do I need typically?

First things first, the specific documentation will often be determined by your specific situation. The best thing to do is to call or schedule an appointment to get it figured out for you.

That said, there are some basic guidelines for documentation needs, which are as follows: Credit Information, Proof of continued qualifying Income, asset statements, information regarding the property.

Okay, so it seems like a pretty small list - but each of the above items are actually several other items... so for more information you can check out the site (which could take hours).. or you can connect with us by clicking a couple of buttons. hahaha, whichever seems to make the most sense. 😉

Do FHA Loans Have lower interest Rate?

Well... usually, but (and this is going to sound odd) but the rate isn't everything. If the COSTS are way higher for one loan type or another, then the best rate is not always the best deal.... TRUELY, it depends on your exact situation. The most important thing to shopping a mortgage is... shameless plug (but it's true) ... it's the relationship you have with the lender. They should help lay out all the facts for you so that that you can make informed decisions based on what's important to you. That's the real answer.

That said, here is the ROBO-ANSWER: Rates for FHA loans are typically similar to those for conventional loans, although you might see lower interest rates advertised. For example, you might see a lower interest rate on an FHA loan compared to the interest rate on a conventional loan, but the FHA loan’s annual percentage rate, or APR, is higher. APR includes all of the fees associated with the loan.

What is the Process from Applying and Closing a Mortgage?

Seriously, you ask the BEST questions!!

There are 3 types of answers here. 1. The 4 part short answer. For that, keep reading. 2. The Exact, right, perfect for you answer. For that, click the button below and set up a pressure (or hassle) free appointment. 3. The long answer. For that, check out the rest of the website... which is also awesome, whatever works best for you!

Short Answer:

Part 1: Pre-Qualification: credit check, document submission, and pre-qualification issued.

Part 2: Home Search and Contracting: home search, home inspection, negotiation, executed purchase agreement.

Part 3: Loan Processing and Underwriting: processing, appraisal, underwriting, cycle of verification, approval

Part 4: Closing: closing arrangements, signing documents, compliance check, funds disbursement, title recording, keys.

How Much of a Down Payment is Required?

This entirely depends on the loan type. That said, since each situation is a little different... the best to do is....???? That's right, click the button below to set an appointment to find out for sure for your exact situation. hahaha, okay, commercial over.

There are (believe it or not) a bunch of different loan types. Each type of loan has different down down payment requirements.... AND each loan type has been created for each different situation.

The super basic loan types are: Conventional, FHA/VA/USDA, and "Jumbo" loans. Now, as I've shared, there are layers and layers to this stuff, but the bottom line is that your situation will most likely determine what loan type will work best... so don't let it stress you.

As always, I hope you will click around and check out the site... there are TONS AND TONS of different pages with videos, links, downloads... it may not be everything, but it's lot and it will be helpful to you.

What are Closing Costs and How Much Should I Expect to Pay?

The specifics of the closing costs will somewhat be determined by the lender you choose... that's why you should pick Patriot Home Mortgage, because they're awesome. Am I biased? Yes, but does that doesn't mean I'm incorrect??? Nope.

The total closing costs typically range from 2% to 5% of the loan amount. It's important to review the Loan Estimate and Closing Disclosure provided by your lender (regardless of whom you choose) for specific cost details. These documents will give you a detailed breakdown of all the charges you'll be responsible for at closing.

Want more detailed information? Click Here.

Why Do I Want a Boring Mortgage?

The reason you want a boring mortgage is because you don't want there to be any last minute changes, or unexpected things pop up at the last minute. For example. Let's say you are expecting to move on Friday because you house is closing. Yeah!!!

What happens if you get a call on Thursday night and it's like "Oh, hey.. yeah, we don't know if you can qualify. We'll let you know." That's pretty exciting, isn't it.

Looking for a house and picking the right house, that's exciting. Buying a house shouldn't be. That's our philosophy.

You Deserve a Boring Mortgage.

Contact Us


619 S Bluff Street Tower 2 Ste 1B

St George, UT 84770

Erik Miller is a Loan Originator (NMLS 263103) in AZ, CA, at an Equal Housing Lender at Patriot Home Mortgage LLC (NMLS 942696). 17505 N. 79th Ave. Glendale, AZ. AZ BK# 175386 Separately, Erik owns the BoringisBetter.com, which is education page used for informational purposes only. BoringisBetter.com is not a lender, does not issue loan qualifications, and does not extend credit of any kind. Disclaimer Link: https://linktr.ee/erikmillerhlt

Loan Officer – Erik Miller: NMLS #263103 | AZ LO-0927960 CA-DBO-263103 | Albert Luc NMLS #1474341 | AZ LO-948147Equal Housing Lender | Patriot Home Mortgage is a dba of Belem Servicing LLC. | Company NMLS #715386 | AZ NMLS #BK-976140 | Branch License #0122719


NMLS Consumer Access