YOUR MORTGAGE ISN'T ONE-SIZE-FITS-ALL.

Meet Troy Gilroy.

Three decades of mortgage experience. Personal guidance. Straight answers.

Whether you're thinking about buying your first home, moving into your next one, refinancing, investing in real estate, or simply trying to understand what you can afford, Troy is here to

help you make sense of your options.

YOUR MORTGAGE ISN'T ONE-SIZE-FITS-ALL.

Meet Troy

Gilroy.

Three decades of mortgage experience. Personal guidance. Straight answers.

Whether you're thinking about buying your first home, moving into your next one, refinancing, investing in real estate, or simply trying to understand what you can afford, Troy is here to help you make sense of your options.

YOUR MORTGAGE ISN'T ONE-SIZE-FITS-ALL.

Meet Troy

Gilroy.

Three decades of mortgage experience. Personal guidance. Straight answers.

Whether you're thinking about buying your first home, moving into your next one, refinancing, investing in real estate, or simply trying to understand what you can afford, Troy is here to help you make sense of your options.

A MORE PERSONAL APPROACH TO HOME FINANCING

Big decisions deserve someone who listens.

Buying a home is more than choosing a mortgage. It's choosing where you're going to live, what you're comfortable paying, and what makes sense for your future. With more than 30 years in the mortgage industry, Troy Gilroy brings experience, personal attention, and straightforward guidance to every conversation. His goal is simple: understand what you're trying to accomplish and help you explore the financing options that may fit your situation.

30+

YEARS

Mortgage Experience

PERSONAL GUIDANCE

Advice Built Around Your Goals

STRAIGHT ANSWERS

No Need to Navigate It Alone

A MORE PERSONAL APPROACH TO HOME FINANCING

Big decisions deserve someone who

listens.

Buying a home is more than choosing a mortgage. It's choosing where you're going to live, what you're comfortable paying, and what makes sense for your future. With more than 30 years in the mortgage industry, Troy Gilroy brings experience, personal attention, and straightforward guidance to every conversation. His goal is simple: understand what you're trying to accomplish and help you explore the financing options that may fit your situation.

30+

YEARS

Mortgage Experience

PERSONAL GUIDANCE

Advice Built Around Your Goals

STRAIGHT ANSWERS

No Need to Navigate It Alone

A MORE PERSONAL APPROACH TO HOME FINANCING

Big decisions deserve someone who

listens.

Buying a home is more than choosing a mortgage. It's choosing where you're going to live, what you're comfortable paying, and what makes sense for your future. With more than 30 years in the mortgage industry, Troy Gilroy brings experience, personal attention, and straightforward guidance to every conversation. His goal is simple: understand what you're trying to accomplish and help you explore the financing options that may fit your situation.

30+

YEARS

Mortgage Experience

PERSONAL GUIDANCE

Advice Built Around Your Goals

STRAIGHT ANSWERS

No Need to Navigate It Alone

DON'T JUST TAKE OUR WORD FOR IT.

See what people are saying about working with Troy.

Choosing someone to guide you through a major financial decision is a big deal.

That's why the experiences of the people Troy has already helped matter.

Troy was referred by a my sister and brother-in-law, and we are so grateful for that. My mom and I purchased our home through Troy. From Day one he made himself available to answer any and all questions we had. The process and steps were easy to follow and everything went smoothly. Would highly recommend him to anyone.

Traci Lindquist

I was recommended Troy by a friend because my first time home buying experience wasn't the best and I wanted to refinance. A bit nervous because I'm now working with a new lender but working with Mr Troy was truly a blessing. He made the refinance journey very easy; always answered my calls and questions in a timely manner, very knowledgeable in his business, great communicator and a very respectful person. Would definitely recommend Troy as anyone's next Lender to work with

Michael Murphy

Troy was amazing to work with! He made sure we understood the whole process and all technical terms. He gets invested and lives the process with you! He was patient and worked tirelessly. There wasn't a time when I was left in the dark or where he didn't answer a phone call! He was encouraging and optimistic! There isn't a single person on the plant that will work harder for your money than Troy! He goes above and beyond and doesn't stop at the bare minimum! He is someone you can trust when it comes to one of the biggest purchases of your life. I give him 20 stars out of 10.

Donna Arellano

I worked with Troy to purchase my first home. He made everything a breeze. He helped through every process and explained things in a way I could easily understand. If I had any questions I could just shoot him a text and he would get back to me right away.. at almost any time of the day. If you’re buying any property I highly recommend using Troy as your mortgage go to guy.

Gabrielle Hunke

DON'T JUST TAKE OUR WORD FOR IT.

See what people are saying about

working with Troy.

Choosing someone to guide you through a major financial decision is a big deal. That's

why the experiences of the people Troy has already helped matter.

Troy was referred by a my sister and brother-in-law, and we are so grateful for that. My mom and I purchased our home through Troy. From Day one he made himself available to answer any and all questions we had. The process and steps were easy to follow and everything went smoothly. Would highly recommend him to anyone.

Traci Lindquist

I was recommended Troy by a friend because my first time home buying experience wasn't the best and I wanted to refinance. A bit nervous because I'm now working with a new lender but working with Mr Troy was truly a blessing. He made the refinance journey very easy; always answered my calls and questions in a timely manner, very knowledgeable in his business, great communicator and a very respectful person. Would definitely recommend Troy as anyone's next Lender to work with

Michael Murphy

Troy was amazing to work with! He made sure we understood the whole process and all technical terms. He gets invested and lives the process with you! He was patient and worked tirelessly. There wasn't a time when I was left in the dark or where he didn't answer a phone call! He was encouraging and optimistic! There isn't a single person on the plant that will work harder for your money than Troy! He goes above and beyond and doesn't stop at the bare minimum! He is someone you can trust when it comes to one of the biggest purchases of your life. I give him 20 stars out of 10.

Donna Arellano

I worked with Troy to purchase my first home. He made everything a breeze. He helped through every process and explained things in a way I could easily understand. If I had any questions I could just shoot him a text and he would get back to me right away.. at almost any time of the day. If you’re buying any property I highly recommend using Troy as your mortgage go to guy.

Gabrielle Hunke

DON'T JUST TAKE OUR WORD FOR IT.

See what people are saying about

working with Troy.

Choosing someone to guide you through a major financial decision is a big deal. That's

why the experiences of the people Troy has already helped matter.

Troy was referred by a my sister and brother-in-law, and we are so grateful for that. My mom and I purchased our home through Troy. From Day one he made himself available to answer any and all questions we had. The process and steps were easy to follow and everything went smoothly. Would highly recommend him to anyone.

Traci Lindquist

I was recommended Troy by a friend because my first time home buying experience wasn't the best and I wanted to refinance. A bit nervous because I'm now working with a new lender but working with Mr Troy was truly a blessing. He made the refinance journey very easy; always answered my calls and questions in a timely manner, very knowledgeable in his business, great communicator and a very respectful person. Would definitely recommend Troy as anyone's next Lender to work with

Michael Murphy

Troy was amazing to work with! He made sure we understood the whole process and all technical terms. He gets invested and lives the process with you! He was patient and worked tirelessly. There wasn't a time when I was left in the dark or where he didn't answer a phone call! He was encouraging and optimistic! There isn't a single person on the plant that will work harder for your money than Troy! He goes above and beyond and doesn't stop at the bare minimum! He is someone you can trust when it comes to one of the biggest purchases of your life. I give him 20 stars out of 10.

Donna Arellano

I worked with Troy to purchase my first home. He made everything a breeze. He helped through every process and explained things in a way I could easily understand. If I had any questions I could just shoot him a text and he would get back to me right away.. at almost any time of the day. If you’re buying any property I highly recommend using Troy as your mortgage go to guy.

Gabrielle Hunke

Your Situation

What Brings You Here?

Maybe you're thinking about...

Buying the Home You've Been Thinking About

Whether you're already house hunting or just starting to explore the possibility, let's talk about what may be realistic for you.

Getting Into Your First Home

Buying your first home can feel like a lot to figure out. Troy can help you understand the process and your potential options.

Lowering Your Payment

Wondering whether refinancing could make sense for you? Let's look at your situation and talk through the possibilities.

Moving Into Your Next Home

Ready for a new chapter? Let's talk about your goals and how you may be able to finance your next home.

Buying a Second Home

Thinking about having a place of your own somewhere else? Let's explore what financing may look like for your situation.

Investing in Real Estate

Considering an investment property or another type of real estate purchase? Troy can help you explore the financing side of the decision.

Figuring Out What You Can Actually Afford

You don't have to guess your way through one of the biggest purchases you'll ever make.

You Just Want Someone to Explain It

Mortgage terminology can be confusing. You should be able to ask questions and get straightforward answers without feeling overwhelmed.

Your Situation

What Brings You Here?

Maybe you're thinking about...

Buying the Home You've Been Thinking About

Whether you're already house hunting or just starting to explore the possibility, let's talk about what may be realistic for you.

Getting Into Your First Home

Buying your first home can feel like a lot to figure out. Troy can help you understand the process and your potential options.

Lowering Your Payment

Wondering whether refinancing could make sense for you? Let's look at your situation and talk through the possibilities.

Moving Into Your Next Home

Ready for a new chapter? Let's talk about your goals and how you may be able to finance your next home.

Buying a Second Home

Thinking about having a place of your own somewhere else? Let's explore what financing may look like for your situation.

Investing in Real Estate

Considering an investment property or another type of real estate purchase? Troy can help you explore the financing side of the decision.

Figuring Out What You Can Actually Afford

You don't have to guess your way through one of the biggest purchases you'll ever make.

You Just Want Someone to Explain It

Mortgage terminology can be confusing. You should be able to ask questions and get straightforward answers without feeling overwhelmed.

Your Situation

What Brings You Here?

Maybe you're thinking about...

Buying the Home You've Been Thinking About

Whether you're already house hunting or just starting to explore the possibility, let's talk about what may be realistic for you.

Getting Into Your First Home

Buying your first home can feel like a lot to figure out. Troy can help you understand the process and your potential options.

Lowering Your Payment

Wondering whether refinancing could make sense for you? Let's look at your situation and talk through the possibilities.

Moving Into Your Next Home

Ready for a new chapter? Let's talk about your goals and how you may be able to finance your next home.

Buying a Second Home

Thinking about having a place of your own somewhere else? Let's explore what financing may look like for your situation.

Investing in Real Estate

Considering an investment property or another type of real estate purchase? Troy can help you explore the financing side of the decision.

Figuring Out What You Can Actually Afford

You don't have to guess your way through one of the biggest purchases you'll ever make.

You Just Want Someone to Explain It

Mortgage terminology can be confusing. You should be able to ask questions and get straightforward answers without feeling overwhelmed.

Mortgage Options

There's more than one way to finance a home.

The right mortgage depends on your goals, income, credit, property, down payment and overall financial picture. Troy can help you understand the possibilities without overwhelming you with jargon.

🏠

Buy a Home

First-Time Buyer or Experienced Homeowner

Whether you've already found the perfect house or you're just beginning to look, Troy can help you explore financing options that may fit your goals.

🔄

Refinancing

Let's Determine Whether Refinancing Actually Makes Sense

Thinking about lowering your payment, changing your loan terms, or simply exploring your options? Let's talk about your situation.

🏢

Jumbo Financing

For Higher-Value Properties

When a property requires specialized financing, Troy can help you explore available options.

🖼️

Investment & Other Properties

For Second Homes, Investment Properties and More Complex Situations

Every property and borrower is different. Let's talk about what you're trying to accomplish and explore what may fit.

Not sure which one fits? That's exactly what the conversation with Troy is for.

Mortgage Options

There's more than one way to finance a home.

The right mortgage depends on your goals, income, credit, property, down payment and overall financial picture. Troy can help you understand the possibilities without overwhelming you with jargon.

🏠

Buy a Home

First-Time Buyer or Experienced Homeowner

Whether you've already found the perfect house or you're just beginning to look, Troy can help you explore financing options that may fit your goals.

🔄

Refinancing

Let's Determine Whether Refinancing Actually Makes Sense

Thinking about lowering your payment, changing your loan terms, or simply exploring your options? Let's talk about your situation.

🏢

Jumbo Financing

For Higher-Value Properties

When a property requires specialized financing, Troy can help you explore available options.

🖼️

Investment & Other Properties

For Second Homes, Investment Properties and More Complex Situations

Every property and borrower is different. Let's talk about what you're trying to accomplish and explore what may fit.

Not sure which one fits? That's exactly what the conversation with Troy is for.

Mortgage Options

There's more than one way to finance a home.

The right mortgage depends on your goals, income, credit, property, down payment and overall financial picture. Troy can help you understand the possibilities without overwhelming you with jargon.

🏠

Buy a Home

First-Time Buyer or Experienced Homeowner

Whether you've already found the perfect house or you're just beginning to look, Troy can help you explore financing options that may fit your goals.

🔄

Refinancing

Let's Determine Whether Refinancing Actually Makes Sense

Thinking about lowering your payment, changing your loan terms, or simply exploring your options? Let's talk about your situation.

🏢

Jumbo Financing

For Higher-Value Properties

When a property requires specialized financing, Troy can help you explore available options.

🖼️

Investment & Other Properties

For Second Homes, Investment Properties and More Complex Situations

Every property and borrower is different. Let's talk about what you're trying to accomplish and explore what may fit.

Not sure which one fits? That's exactly what the conversation with Troy is for.

EXPERIENCE MATTERS. SO DOES HOW YOU'RE TREATED.

Someone in your corner from the first conversation to closing.

A mortgage can involve a lot of moving pieces. Troy's approach is centered on personal advice, clear communication, and helping clients understand what makes sense for their individual situation.

30+ Years of Experience

Decades of experience

helping people navigate home financing.

Personal Guidance

Advice based on your goals and individual circumstances.

Honest Conversations

Clear answers to help you understand your choices.

Support Through the Process

Troy's team supports the loan process from processing and underwriting through closing and funding.

EXPERIENCE MATTERS. SO DOES HOW YOU'RE TREATED.

Someone in your corner from the first conversation to closing.

A mortgage can involve a lot of moving pieces. Troy's approach is centered on personal advice, clear communication, and helping clients understand what makes sense for their individual situation.

30+ Years of Experience

Decades of experience

helping people navigate home financing.

Personal Guidance

Advice based on your goals and individual circumstances.

Honest Conversations

Clear answers to help you understand your choices.

Support Through the Process

Troy's team supports the loan process from processing and underwriting through closing and funding.

EXPERIENCE MATTERS. SO DOES HOW YOU'RE TREATED.

Someone in your corner from the first conversation to closing.

A mortgage can involve a lot of moving pieces. Troy's approach is centered on personal advice, clear communication, and helping clients understand what makes sense for their individual situation.

30+ Years of Experience

Decades of experience

helping people navigate home financing.

Personal Guidance

Advice based on your goals and individual circumstances.

Honest Conversations

Clear answers to help you understand your choices.

Support Through the Process

Troy's team supports the loan process from processing and underwriting through closing and funding.

LOCAL EXPERIENCE. PERSONAL ATTENTION.

Let's talk about where you want to go next.

You shouldn't have to figure out a major financial decision by yourself. Whether you're ready to buy, thinking about refinancing, considering another property, or simply trying to understand what's possible, start with a conversation.

Troy will listen to your goals, answer your questions, and help you understand your next steps.

LOCAL EXPERIENCE. PERSONAL ATTENTION.

Let's talk about where you want to go next.

You shouldn't have to figure out a major financial decision by yourself. Whether you're ready to buy, thinking about refinancing, considering another property, or simply trying to understand what's possible, start with a conversation.

Troy will listen to your goals, answer your questions, and help you understand your next steps.

LOCAL EXPERIENCE. PERSONAL ATTENTION.

Let's talk about where you want to go next.

You shouldn't have to figure out a major financial decision by yourself. Whether you're ready to buy, thinking about refinancing, considering another property, or simply trying to understand what's possible, start with a conversation.

Troy will listen to your goals, answer your questions, and help you understand your next steps.

NO NEED TO HAVE IT ALL FIGURED OUT FIRST.

Start with a conversation.

01

Tell Troy About Your Goals

Buying a home? Refinancing? Investing? Still figuring it out? Start wherever you are.

02

Talk Through Your Opinions

Troy will learn about your goals and help you understand what may make sense for your situation.

03

Decide On Your Next Step

Once you understand your options, you can move forward with greater clarity and confidence.

NO NEED TO HAVE IT ALL FIGURED OUT FIRST.

Start with a conversation.

01

Tell Troy About Your Goals

Buying a home? Refinancing? Investing? Still figuring it out? Start wherever you are.

02

Talk Through Your Opinions

Troy will learn about your goals and help you understand what may make sense for your situation.

03

Decide On Your Next Step

Once you understand your options, you can move forward with greater clarity and confidence.

NO NEED TO HAVE IT ALL FIGURED OUT FIRST.

Start with a conversation.

01

Tell Troy About Your Goals

Buying a home? Refinancing? Investing? Still figuring it out? Start wherever you are.

02

Talk Through Your Opinions

Troy will learn about your goals and help you understand what may make sense for your situation.

03

Decide On Your Next Step

Once you understand your options, you can move forward with greater clarity and confidence.

You don't have to figure it out alone.

Maybe you already know exactly what you want. Maybe you're not sure where to start. Either way, a conversation is a good place to begin.

No pressure. Just a conversation about your goals and what may be possible.

You don't have to figure it out alone.

Maybe you already know exactly what you want. Maybe you're not sure where to start. Either way, a conversation is a good place to begin.

No pressure. Just a conversation about your goals and what may be possible.

You don't have to figure it out alone.

Maybe you already know exactly what you want. Maybe you're not sure where to start. Either way, a conversation is a good place to begin.

No pressure. Just a conversation about your goals and what may be possible.

CONTACT

402-607-8548

LICENSED IN

Florida, Nebraska & Iowa

Belem Servicing LLC dba Patriot Home Mortgage | NMLS #715386 | NMLS #8998 Troy Gilroy | Equal Housing Opportunity. All loans are subject to credit approval, underwriting guidelines, and program requirements. Programs, terms, and conditions are subject to change without notice. This is not a commitment to lend. Additional restrictions may apply. For licensing information, visit NMLS Consumer Access.

© 2026 Patriot Home Mortgage. All rights reserved.

CONTACT

402-607-8548

LICENSED IN

Florida, Nebraska & Iowa

Belem Servicing LLC dba Patriot Home Mortgage | NMLS #715386 | NMLS #8998 Troy Gilroy | Equal Housing Opportunity. All loans are subject to credit approval, underwriting guidelines, and program requirements. Programs, terms, and conditions are subject to change without notice. This is not a commitment to lend. Additional restrictions may apply. For licensing information, visit NMLS Consumer Access.

© 2026 Patriot Home Mortgage. All rights reserved.

CONTACT

402-607-8548

LICENSED IN

Florida, Nebraska & Iowa

Belem Servicing LLC dba Patriot Home Mortgage | NMLS #715386 | NMLS #8998 Troy Gilroy | Equal Housing Opportunity. All loans are subject to credit approval, underwriting guidelines, and program requirements. Programs, terms, and conditions are subject to change without notice. This is not a commitment to lend. Additional restrictions may apply. For licensing information, visit NMLS Consumer Access.

© 2026 Patriot Home Mortgage. All rights reserved.