Patrick Ly
Branch Manager | Senior Loan Officer
[email protected]
Phone/Fax: (571) 200-9440
Mobile: (443) 812-8268
20130 Lakeview Center PLZ | Suite 400
Ashburn, VA 20147
NMLS 5591
Licensed in: VA, DE, MD, FL, PA, DC, NV, WV, CA
VA MLO-9055VA | DE MLO-5591 | MD 26-25419 | FL LO57815 | PA 68837 | DC MLO5591 | NV 63252 | WV LO-5591 | CA CA-DFPI5591
Greetings, My name is Patrick and I started my professional career as a Mortgage Adviser back in 2005. My passion and commitment are to help each client make an educated decision on the appropriate mortgage solution for their home purchase or refinance. Whether you're looking to achieve the dream of owning your first home, move-up or wondering if refinancing is right for you, I'm here to guide you through every step of the process and provide clarity with options specifically tailored to your short and long-term financial goals.
Here at Union Home Mortgage, we understand the importance of professional customer service, speed, reliability, and communication, so we're dedicated to delivering real predictable results to our clients and business partners. When you pair that with an amazing processing and underwriting platform, we're bound to provide you with a fantastic experience and be your lender of choice for life.
www.nmlsconsumeraccess.org | Licensed by the California Department of Financial Protection and Innovation. Residential Mortgage Lending Act License number 4131047, Finance Lenders Law License 60DBO61986.”
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What Customers & Realtors Say About
Patrick Ly
It was a smooth and easy process. Patrick did an amazing job walking me through the entire process.
John W.
Best experience that I have ever had with any company. I want them to move with me!
Krysten R.
It was a pleasure working with UHM. They are so professional and know how to work with their clients. I highly recommend them. It was a pleasure for me. Thanks, UHM!!!
Juan Q.
Union Home did a great job refinancing my home. It was wonderful experience from start to finish. Patrick Ly was excellent and helped to guide me through the process! Thank you, UHM!
Young K.
Fantastic service, great people and a really great working model. Thank you, team!
Ralph C.
Very pleased. Will recommend.
Sumant R.
Absolutely the easiest, most pain free experience. The whole staff was professional and kept me updated from start to finish!
Jeremy C.
AMAZING! Will link up again once I’m ready for my next home!
Sidney H.
My overall experience with Union Home Mortgage is excellent because of the staff’s positivity. They are willing to answer even the most redundant questions or those that might seem uneducated, and they do it without exhaustion. They are friendly and their timing to finish every process is very fast.
Mahlet H.
Excellent! I am very impressed with their dedication and professionalism.
Marjana L.
My overall experience was really amazing. I would absolutely recommend them for their expertise and superior customer service. They are one of the best organizations that I've worked with.
Doris G.
Everything was really good.
Fabricio G.
Overall service was excellent, timely and profession professional, and they were always available to answer my questions and guide me through the process.
Regina K.
We had an awesome experience with Union Home Mortgage. From the time that we first talked to Patrick Ly, we felt at ease and knew that we were definitely in good hands. Patrick was very attentive; very understanding; very knowledgeable; and very easy to get in touch with, whenever we had a question.
Bernard N.
I had a fast, worry-free service that I am very satisfied with. I would definitely recommend Union Home Mortgage to my friends!
Nomundari N.
We enjoyed working with UHM on purchasing our first home and refinancing it later during quarantine. Our mortgage advisor, Patrick Ly, was knowledgeable, professional and very helpful throughout the entire process.
Kunduz J.
Overall experience was great! Again Patrick and Deb were responsive and walked me through the process with ease.
Chad H.
Amazing experience and will definitely call on Union Home Mortgage again when ready to make another mortgage related decision.
Melchus D.
Very satisfied, currently recommending to my friends and coworkers.
John E.
I found the staff to be helpful, polite and knowledgeable about their jobs.
Brian M.
Patrick and the team made life and this loan process smooth and it was very bearable. It was no pressure, they just gave good advice and coaching to help move the process along and on time!
Ulysses T.
Overall amazing experience. We've already referred friends who are in the refinancing process now. I would describe the experience as feeling polished and high-end.
David N.
Patrick Ly and his team were great. It was the smoothest refi I've ever done.
David P.
My real estate agent recommended Union Home Mortgage to me when looking for my first home. Patrick took the time to reach out to me and discuss all the options I had as a first time home buyer. He and his team were wonderful, checking in to make sure I was comfortable with all of the steps.
Anita K.
Fast, smooth, reliable refinance with the absolute best customer service! Thank you!
Robert C.
My experience with Union Home was top-notch, the team was very punctual and informative throughout the entire process. I truly appreciated their excellent customer service!
Phillip W.
The entire process took less than 60 days. Everywhere else was 3-6 months to close. The team of people that I worked with were very polite and informative. Everyone was easy to talk to and they always responded right away whenever I called or emailed. I had a great experience.
Kevin B.
I loved my experience with Union Home! As a first time home buyer they worked with me at all times and also walked me through any challenges. I truly enjoyed working with Patrick, He was very reliable and super helpful!
Sara V.
Perfectly straightforward and easy transaction with good communication. The web portal for uploading documents made the overall process smooth/simple.
Robert T.
From start to finish, my loan officer and his team treated me like family by up keeping open communication and excellent availability if I had any questions or concerns.
Shelby V.
Excellent customer service, service took a while due to Covid. But overall I don’t have any negative issues with UHM.
Tuyet T.
Patrick, Deb and the entire team were phenomenal. Working with them was the easiest time we have had with a refinance or new purchase.
Joshua E.
We are just super pleased with the whole experience. We were taken care of and it was clear I was not being pressured or coerced into a bad rate. In fact, UHM recommended we go with the VA loan instead of conventional, even though from their perspective it is more strict/harder to place families in
John D.
I thought the experience was painless, interactive, and enlightening throughout the entire process.
Octavio G.
The team at UHM was great! They were so kind and stayed on top of my short deadlines. They worked over time to make sure things were completed properly.
Kera B.
Union Home Mortgage was a please to work with on my home refinance. The process was very smooth and the loan officer was amazing!
Robert C.
We had a great experience. Pat and his team made us as comfortable as possible and made it personal to them. They worked after hours and accommodated the time difference between him and I. It was a very pleasant surprise to be able to get a mortgage loan with relative ease.
Jonathan C.
UHM was very transparent and provided lots of valuable knowledge in helping me determine which loan would best meet my needs. They provided excellent customer service by always being available to answer questions, and they were very kind and courteous. The process was super easy and went by fast!
Reba T.
Remarkably positive experience!
Vadim P.
Easy and extremely knowledgeable about the process of refinance in my case.
Rene A.
Excellent experience! I highly recommend working with Patrick Ly, and his team. They represent the highest level of professionalism!
Edward B.
My overall experience was outstanding. I felt as though my business mattered to Union Home Mortgage.
Wayne L.
Best Mortgage Company I've ever worked with and Patrick is in a class by himself. Professional. Knowledgeable. Accessible.
Kelly M.
My overall experience with UHM was wonderful! From the start of getting all of the proper documents together I needed, getting preapproved, to the end when I closed on my home. The team at UHM that processed my loan did a great job and communicated very well with me throughout the entire process!
Rachel N.
Union Home Mortgage is very knowledgeable, efficient and friendly. I love that our refinance was done smoothly and fast.
Stephanie F.
Their management of expectations and the thorough explanation of each and every step was one of if not the best I've been a part of. Patrick and team are outstanding.
Daniel B.
Nothing but great pleasure to work with! Transparent and honest process from UHM made this entire refinancing process so much easier.
Roberto L.
The team was fantastic and responsive in navigating the process from pre-approval to close... paired with great rates, I would strongly recommend UHM and Patrick Ly as a loan officer.
Michael B.
I have used UHM for two transactions in 2 years and could not have asked for better service, communication and professionalism. The process was seamless and easy. I was informed throughout the process and was able to easily reach my loan officer when needed. I highly recommend UHM.
Alissa G.
My experience with Union Home Mortgage could not have been better! I found myself in the unenviable position of having to refinance my home after an incredibly ugly experience with the builder hired to build my home and the original bank financing my construction loan. My financial planner recommended Patrick and Union Home and the team could not have been more helpful, efficient, communicative and most importantly, kind!!!! I was finally able to relax, knowing my interests were the team's primary goal. The piece of mind was priceless!!!!
Laurie D.
Overall, quick and easy process from start to finish. We were told several ways whenever an action was required on our part and Patrick and his team handled the rest. True professionals!
Randy D.
Working with UHM was easily the best part of our home buying process. Patrick's team knows what they're doing and really went the extra mile for our family. I will absolutely refer anyone I can to his team.
Caldwell B.
Everyone I’ve dealt with at UHM was courteous, knowledgeable and professional. They were all very responsive to my needs. I would use Patrick Ly and his team again.
Barbara S.
From start to finish everyone was very friendly and open and patient with the whole process. I look forward to working with Patrick and Deb again!
Stephanie S.
Patrick and his team made the process smooth and understandable. Even when there were issues they worked quickly to find a solution.
David F.
It was a great experience during a stressful time in the real estate market. Patrick went above and beyond with all 7 of the offers we made on the houses. We wouldn’t be in our new home without him.
Tracy S.
We were so lucky to have such a knowledgeable and amazing team help us with our refinance. They made it so easy and fast!
Michelle I.
The ability to close on time in this market is key and our agent gave us the confidence that Patrick from UHM would be able to do that. We looked at other lenders but decided to go with him after we talked about rates. The process was smooth and we closed on time!
Ugochinyere E.
My experience the 2nd time around was just the same as the first time. Excellent. That is why I am a repeat customer. My loan officer, Patrick Ly, is knowledgeable, reliable and efficient, I enjoyed the experience with him.
Devrae M.
Fast service and comfortable experience. It was our second time dealing with UHM, and we weren't disappointed. Two thumbs up!
Bernard N.
Patrick Ly is the best Loan officer I ever dealt with and because of him, I will continue to refer friends to him.
Steven F.
GREAT TEAM! Patrick is a great leader, great educator, and an intelligent loan officer! He made our first time home buying experience very flawless! The entire team is well organized, punctual and gets the job done beyond the expectation!
Hannan A.
Tried a few other banks, they were too difficult to deal with. Plus other banks didn't take the time to understand my needs. Patrick and his team were patient, made the whole process easy and delivered a great loan. Would recommend to anyone.
Azizul C.
Patrick and his team were always there for me. They personalized my experience and made it super easy to understand documents and answered all my questions. The communication and efficiency this team has was the best!
Jay R.
Very pleased with the service! Fast closing and great interest rate!
Savannah B.
I found each person I worked with excellent!!! I will use UHM anytime I can. I also love the videos, they are very helpful.
Norma B.
I’m glad I was referred to UHM from my friend because the experience has been excellent. Patrick and his team were extremely kind, professional, and responsive. I never could have imagined the mortgage process being this pleasant and headache free. Patrick was kind enough to put in a good word when we were making an offer on our house and ours was accepted despite the seller having other competitive offers on the table. I would strongly recommend anyone to go through UHM and Patrick for their mortgage needs. Thanks for everything!
Grayson C.
From start to finish, it was a great experience and I can find no item that needs improvement. I am fortunate to have UHM, my loan officer, and team to work with.
Mikel J.
One of the best closing experiences I ever had. I told my realtor and closing agent how happy I was with Patrick and team.
Stacey S.
I’m incredibly happy with my choice of UHM and appreciate Patrick Ly and the team that I’ve been working with.
Haley M.
My loan experience was fast, smooth and knowledgeable. Everyone was always willing to explain the process and never rushed us but let us know what we needed to do in a timely manner. Patrick was always available to answer any questions we had, he worked with us to get us the best interest rate possible. Patrick is patient, kind, courteous and respectful. I will definitely refer people to UHM (Patrick Ly's team specifically).
Sandra A.
A very positive experience. Great communication with my loan officer and all parties involved. Would definitely recommend.
Justin C.
Our experience with UHM was an awesome one. The process was smooth and the team was very knowledgeable. It’s clear that UHM cares about providing the best home buying experience possible. They go above and beyond and we are forever grateful for all of their hard work!
Keisha C.
I’ve received the best services and excellent care from Patrick Ly and Deb Darrah.
Gantulga C.
Excellent service and team to have on my side while purchasing a home in this crazy housing market. Thanks very much!!
Matthew S.
Stress free experience I provided all the paper work and UHM took care of everything. Fantastic experience!
Lidia S.
Our overall experience with UHM was ABSOLUTELY AMAZING! The customer service is top notch, and every step of the way we were notified of any changes to our account. We felt more than just a customer, we felt like family! I strongly recommend UHM and I would not have it any other way!
Rolando B.
The experience of getting a mortgage with Patrick Ly and Adam Ferguson was actually fun!! They worked with us to find the best compliment of products and best strategy for us based our financials. I know I have the best rate possible in a time a rising rates and that even in a sellers market.
Nicole B.
Patrick Ly and his team are quite simply put the best at what they do. While I'm sure we weren't the only clients that him and his team were working with, my wife and I were sure made to feel like we were. We simply could not have asked for a better mortgage company to work with.
Phillip W.
We loved working with UHM and would recommend them to anyone looking to buy a home. Patrick and his team were a joy to work with. No complaints whatsoever.
John P.
Very pleasant overall. Will recommend anyone purchasing a home to UHM and specifically Patrick.
Austin J.
Union Home Mortgage makes this whole process so easy and transparent. I would like to thank Bobby Luu, Tiffany Lee, and Patrick for making this experience so awesome. I'd definitely recommended Union Home for friends and Family.
Kim H.
I was contacted right away after I was referred by my real estate agent. They made the whole process very easy and worked around my schedule. Getting the documents together was stressful, but necessary. I am happy that I chose to work with UHM, and I look forward to working with them in the future.
Truc N.
Outstanding service with a family approach to the needs of the client and other stakeholders that provides service and an experience that make the loan, closing and other activities carefree.
John F.
Patrick and team were both knowledgeable and responsive.
