About Hometown Mortgage Co.
A locally-rooted mortgage company with over a decade of experience helping Utah families achieve their homeownership dreams.
Built on Trust,
Rooted in Utah
Hometown Mortgage Co. is a locally rooted mortgage brokerage in Layton, Utah, with over 10 years of experience helping individuals and families achieve their homeownership dreams. We specialize in a variety of mortgage solutions, including reverse mortgages, down payment assistance programs, first-time homebuyer loans, construction loans, and lot loans. As an independent mortgage broker, we compare loan programs from multiple wholesale lenders, so you get real options instead of one bank's menu.
Our founder, Kenny Farshchian, is a licensed Utah loan officer who understands that family holds a special place in everything we do. When he's not helping clients achieve their homeownership dreams, Kenny cherishes spending quality time with his wife and five children.
Our dedicated team ensures that the mortgage process is transparent, educational, and as simple as possible, so you can confidently navigate your path to homeownership.
Kenny Farshchian
Founder & Senior Loan Officer
Why I Started Hometown Mortgage
I started Hometown Mortgage because buying a home should feel like an exciting step forward. Too often, people feel overwhelmed by the financing—unsure who to trust, what they can afford, or whether they're making the right decision.
You deserve clear answers and someone who cares enough to walk you through your options. It's your home, your money, and your future. You should feel confident about all three.
After more than a decade in the mortgage industry, I wanted to build a company around that belief. A place where you feel comfortable asking questions, where someone answers the phone, and where relationships matter long after closing day.
That's why I created Hometown Mortgage: to bring together small-town service and access to a wide range of lenders, so we can help you find financing that fits your life.
My role is to listen, explain your options in plain English, and help you take the next step with a clear plan. We start with a conversation, look at what works for you, and guide you through the process.
Because the goal is bigger than getting a loan. It's helping you open the door to a home—and a future—you're excited about.
— Kenny
Personalized, Trustworthy,
Straightforward
"At Hometown Mortgage Co., our mission is to provide personalized, trustworthy, and straightforward mortgage solutions that make homeownership accessible to all."
We are committed to building strong partnerships with clients and real estate agents in our local communities, delivering exceptional service that is both professional and approachable.
By simplifying the mortgage process and offering expert guidance every step of the way, we strive to help individuals and families secure the financing they need to build their future.
Contact Us TodayOur Core Values
Transparency
We explain every step, every fee, and every option in plain language. No surprises, no hidden costs.
Community First
We're not just a lender — we're your neighbors. We invest in Utah communities because we live here too.
Education
We believe informed buyers make better decisions. We take time to educate every client about their options.
Speed & Efficiency
We use modern technology to process loans faster without sacrificing the personal touch you deserve.
Personalized Service
Every client is unique. We tailor our approach to your specific financial situation and homeownership goals.
Long-Term Relationships
Our goal isn't just to close your loan — it's to be your trusted mortgage advisor for life.
Based in Layton, Serving All of Utah
Our office is at 476 Heritage Park Blvd, Suite 200-B, Layton, UT 84041. Most of our clients live in Davis, Weber and Salt Lake counties, and we're licensed to help homebuyers and homeowners anywhere in Utah.
Ready to Work With Us?
Experience the Hometown difference. Personal service, local expertise, and a team that genuinely cares about your success.