Your Layton, Utah
Mortgage Broker
Home loans for families across Davis, Weber, Salt Lake and Cache counties, with the personal service of a local broker and access to many lenders. We help you move quickly and confidently into your dream home.
Utah's Hometown
Mortgage Experts
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 — from reverse mortgages and down payment assistance to construction loans and first-time homebuyer programs.
Based in Layton and serving Davis, Weber and Salt Lake counties, including Kaysville, Farmington, Bountiful, Clearfield, Syracuse, Roy, Ogden and Salt Lake City, we pride ourselves on personalized service tailored to each client's unique needs.
The Right Loan for Every Situation
We offer a wide range of loan types and expert guidance to help you find the perfect fit for your home and financial goals.
First-Time Homebuyer
Specialized guidance and down payment assistance programs to make your first home purchase achievable.
Learn moreFHA & VA Loans
Government-backed loans with flexible qualification requirements and competitive rates.
Learn moreConventional & Jumbo
Traditional financing up to $2.5M with low rates and flexible down payment options.
Learn moreRefinance
Lower your rate, reduce your term, or tap into your home's equity with a strategic refinance.
Learn moreConstruction Loans
One-time close construction loans that finance land, building, and permanent mortgage in one.
Learn moreReverse Mortgage
Access your home's equity to supplement retirement income with no monthly mortgage payments.
Learn moreFrom Ogden to Salt Lake City,
We Know Your Market
Our mortgage professionals understand the Utah market inside and out. We pride ourselves on fast responses, local expertise, and keeping you informed every step of the way.
Get Pre-Approved TodaySimple, Clear, and
Stress-Free
We've simplified the mortgage process so you can focus on finding your dream home. Our team handles the complexity while keeping you informed at every step.
Apply Online
Complete our simple digital questionnaire from the comfort of your home.
Get Pre-Approved
Our team reviews your application and provides a fast pre-approval decision.
Find Your Home
Shop with confidence knowing exactly what you can afford.
Close & Move In
We handle the paperwork and guide you to a smooth, on-time closing.
"Our mission is to make home financing simple and clear through honest guidance, personal care, and options that fit each person's life—so our neighbors can move forward with confidence."
What Our Clients Say
"Kenny was amazing to work with! He is super patient and always willing to answer questions. He was able to get us a super quick and easy closing and made our first house buying experience very easy. He was also able to move things around and save us some money."
"Kenny was phenomenal in helping us get our first home. Beyond responsive and patient with us with all our questions and concerns. If I could give a million stars I would. 10/10 AMAZING!"
"Josh was so great — he was on top of everything and always answered all my questions quickly."
Common Questions From Utah Homebuyers
We're a mortgage broker based in Layton, Utah. Instead of offering one bank's products, we compare loan options from multiple wholesale lenders and help you choose the one that fits your goals, then manage the process through closing.
We serve all of Utah from our Layton office. Most of our clients are in Davis, Weber and Salt Lake counties, including Layton, Kaysville, Farmington, Bountiful, Clearfield, Syracuse, Roy, Ogden and Salt Lake City.
Most clients receive a pre-approval decision within 24 to 48 hours of submitting a complete application with income and asset documents. You can start online or call or text us at (385) 758-5247.
Yes. We work with first-time buyers every week and can check whether you qualify for Utah down payment assistance programs, which can often be paired with FHA or conventional loans. Eligibility depends on income, credit and the program.
Yes. Hablamos español: Spanish-speaking loan officers are available to walk you through the entire home loan process.
It depends on the loan. FHA allows scores from 580 with 3.5% down, conventional loans generally start at 620, and VA and USDA have no official minimum though most lenders look for roughly 580 to 640. We can review your situation and suggest steps if your score needs work.
Your Dream Home is
Closer Than You Think
Whether you're buying your first home, upgrading, or refinancing, we're here to make it as smooth and simple as possible. Reach out today for a free, no-obligation consultation.