Patrick K. Juul, Mortgage Advisor, NMLS #332450

Patrick K. Juul, Mortgage Advisor, NMLS #332450 Your dream. Your timing. Your plans. Your priorities. Your Peace of Mind is our mission. Serving Heartland families with heart. The Heartland Team™
Patrick K.

Juul ● NMLS 332450
ETHOS Lending ● NMLS 1533336
417-612-LOAN MO
952-270-7569 MN Thanks for visiting - I'm glad you're here! Whether your plans call for buying your first home, a second home, an investment property, or exploring a solid plan for refinancing to reduce your interest rate, loan term, or access your equity to pay off unwanted debt, I can help you make it happen. Your peace of mind is

my #1 priority. To ensure your peace of mind, I am committed to helping you gain the confidence that leads to trust, by providing clear communication and the expertise you deserve. By focusing on the things that matter most to you, we’ll get you home. Being clear on the mortgage experience and the economics behind various mortgage options is extremely important, so I encourage my clients to "fall in love with the numbers before you fall in love with the house." It works best that way and helps ensure peace of mind. I started in the mortgage space in 1986. After all these years, the most important thing I’ve learned is the simple, timeless discipline of listening well. If I hear you well, I can understand what is important to you. If I understand your priorities, I can offer the best information and guidance. The values that hold my world together include my faith in Jesus Christ, my wife, our kids and eleven grandchildren, enjoying the great outdoors, writing, reading, music, practicing encoragier (Old French: to give heart), and endeavoring to improve my golf game. We also have an amazing adult son with Autism, which has broadened our compassion, involvement, and awareness of the lives of many families with special needs members. Being part of your mortgage experience is amazing, and I’m thankful for the opportunity to earn your business. I would love to hear your story, so I hope you'll reach out. Put us to work today… just call, text or email me – (952) 270-7569, [email protected]. And feel free to go to patrickjuul.com to start your mortgage experience online. Together, for your peace of mind, we’ll get you home. Thanks for reading.

08/21/2026

The lowest interest rate on the internet sounds great. So does the cheapest loaf of white bread on the grocery store shelf. 😉

We'll be VERY competitive on rates and costs, but the most important thing we help homebuyers and homeowners achieve isn’t a rate.

It’s Peace of Mind.

That’s our ONE Thing at The Heartland Team™.

Have questions or want to talk through your options? Reach out anytime. I’m here to help.

💚 Patrick K. Juul
🏡 The Heartland Team™ | ETHOS Lending
📱 MO 417-766-4546
📱 MN 952-270-7569
📧 [email protected]
HeartlandTeamUSA.com




08/20/2026

Interest rates.
Inventory.
Home values.
There will always be market realities competing for your attention.

Don’t start there.

Start with a great team and a great plan. Clarity creates confidence, and confidence creates Peace of Mind.

And sometimes, the wise plan is to rent. Not everyone should buy a home right now. The goal isn’t simply homeownership. It’s making the right move for you.

Here for you,

Patrick Juul | The Heartland Team™
[email protected]
417-612-LOAN MO | 952-270-7569 MN



08/15/2026

Hot summer weekend in the Heartland! ☀️ Love to be a tourist in our own town!!

Realtors & homebuyers – mortgage questions and pre-approvals don’t always keep bankers’ hours. I’m here this weekend if you need me. Just reach out. 🤗

[email protected]
417-612-LOAN MO
952-270-7569 MN



08/13/2026

🏡 Need cash to pay off credit cards or purchase another property, but don't want to touch your current, low-rate mortgage?

If you have a low interest rate now, replacing it with today’s rates might not make sense. 😬

A home equity line of credit (HELOC) may allow you to access equity, consolidate higher-interest debt, improve monthly cash flow – and leave your low-rate first mortgage right where it is.

Let’s explore your options. Reach out anytime.

📧 [email protected]
📱 417-612-LOAN MO
📱 952-270-7569 MN



08/11/2026

There’s a difference between "running the numbers" and the legal process of originating a mortgage and truly advising someone through one of the largest financial decisions they’ll make.

A Mortgage Advisor doesn’t merely help you get a loan. We provide clear, trustworthy guidance designed to help you make wise financial decisions with confidence and peace of mind.

That distinction matters to us at ETHOS Lending.

Have questions? Let’s talk.

[email protected]
417-612-LOAN (MO)
952-270-7569 (MN)



08/10/2026

What Lenders Tell Each Other | Episode 1

Lenders are often coached:

Don’t lead with competitive rates, closing on time, or great service – everyone says those things.

There’s wisdom in that.
But there’s also some nuance: not every lender delivers those things equally. Not every loan gets to the closing table. And not every loan gets there on time.

We are definitely going to be competitive and competent – and we work relentlessly to be on time or ahead of schedule. 🙌🏽 ⌛️

But that's not our secret sauce.

At The Heartland Team™, our ONE Thing is Total Clarity, locked in for every client and family we serve. Because clarity creates confidence, and confidence creates Peace of Mind.

We don't merely make loans.
We make a difference in the lives of Heartland families in Missouri and Minnesota.

Thanks for making our team your team. 💚 Reach out anytime.

[email protected]
417-612-LOAN MO
952-270-7569 MN



08/09/2026

🏡 HOMEBUYER FATIGUE IS REAL.

Buying a home shouldn’t feel exhausting.

A caring, competent mortgage + real estate team helps you understand the process, set realistic expectations, and prepare to WIN. 🏡

Clear guidance creates clarity.
Clarity creates confidence.
And confidence creates peace of mind.

Here at The Heartland Team™️, our One Thing since Day-One is YOUR peace of mind.

DM, text, or email Patrick anytime.

Here for you...

📧 [email protected]
📱 417-612-LOAN MO
📱 952-270-7569 MN
HeartlandTeamUSA.com



08/08/2026

Homeowner’s insurance has become a real wildcard in today’s mortgage process.

Two similar homes can carry very different insurance premiums depending on location, property characteristics, and risk—and that premium affects your monthly payment and debt-to-income ratio.

That means it can affect how much home you qualify to buy.

My advice? Get a solid insurance quote from a trusted professional before you go under contract.

A little homework up front can prevent a big surprise later.

[email protected]
417-612-LOAN MO
952-270-7569 MN

08/07/2026

What could your mortgage—and your home equity—actually accomplish for you?

I’m offering a complimentary Heartland Wealth Accelerator Report™ for homeowners, homebuyers, and real estate investors.

This isn’t another generic mortgage flyer. It’s a substantial, customized, multi-page report designed to help you see your mortgage, equity, and long-term strategy more clearly.

No strings attached. Just value—and a conversation if I can help... you decide. 😊

Email, text, or DM me, and I’ll personally reach out.





[email protected]
417-612-LOAN MO
952-270-7569 MN

08/07/2026

If you're thinking about buying your first investment property – or, for existing investors, growing your rental portfolio – a DSCR loan might be a game-changer to simplify the process.

Watch the video, and if you'd like my free DSCR info guide, comment DSCR below, and I'll send it to you.

If preferred, text or email DSCR to me below.

📱 417-612-LOAN
[email protected]





Address

3271 E Battlefield Road, Suite 260
Springfield, MO
65804

Opening Hours

Monday 9am - 4:30pm
Tuesday 9am - 4:30pm
Wednesday 9am - 3:30pm
Thursday 9am - 4:30pm
Friday 9am - 3:30pm

Telephone

+19522707569

Website

, ,

Alerts

Be the first to know and let us send you an email when Patrick K. Juul, Mortgage Advisor, NMLS #332450 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category