Utah & Florida home loans.
Get Kenny in your corner.
Mortgages, refinancing and reverse mortgages from a Top Utah Loan Officer performer. Whether you're buying, refinancing or planning retirement, you'll work directly with Kenny and a team that treats you like family.
4.95 out of 5 stars from 184 verified reviews on Experience.com- Reverse mortgage specialist
- Licensed in UT · FL
- Fast pre-approvals
Big heart. Clear paths. No bull.
A loan officer who picks up the phone — and remembers your name.
Kenny Farshchian is the President and Senior Loan Officer of The Hometown Mortgage Co., with over a decade of experience helping families buy homes, refinance and plan for retirement. He's best known for his reverse mortgage work — helping homeowners 62 and older use their equity with clarity and confidence — and was recognized as a Top Utah Loan Officer performer.
Family is at the center of everything Kenny does. When he isn't helping clients, he's spending time with his wife and five children — and he brings that same care and patience to every family he works with.
And yes, that's Marty the Mortgage Moose. He keeps the team honest: big heart, clear paths, no bull.
Read Kenny's storyHome loans built around your next chapter
Whatever stage of life you're in, Kenny's team will lay out every option in plain English and help you pick the right one.
Reverse Mortgages
Kenny's specialty. Turn home equity into retirement income with no monthly mortgage payment, and keep living in the home you love.
- No monthly mortgage payment*
- Stay in your home
- Keep ownership of your home
- Family-friendly consultations
First-Time Buyers
Down payment assistance, low-down-payment programs and a step-by-step game plan so your first home feels doable.
Buying a Home
Fast pre-approvals that make your offer stronger, and a team that keeps your agent in the loop all the way to closing.
Refinance & Cash-Out
Lower your rate, shorten your term, drop mortgage insurance or tap equity for what matters next.
FHA · VA · USDA
Government-backed loans with flexible credit guidelines and low or zero down payment options.
Investment & Second Homes
Financing for rentals, vacation homes and growing a real-estate portfolio.
*Borrowers must continue to pay property taxes, homeowners insurance and maintain the home.
Big-lender options. Hometown service.
You work with Kenny
Your file isn't handed off to a call center. You get Kenny's direct line and a team that answers.
Straight answers
Plain-English options side by side, so you choose the loan that fits — not the one that's easiest to sell.
Constant communication
Proactive updates at every milestone for you and your real-estate agent. No chasing us down.
Here after closing
Kenny stays your loan officer for life — for the next move, the next refinance or a quick question.
Simple, clear and stress-free
Free consultation
A quick call to understand your goals, timeline and budget.
Pre-approval
Apply online in minutes and get a clear answer on what you can afford.
Shop with confidence
Make offers knowing exactly what your payment will be.
Close & celebrate
We coordinate title, appraisal and underwriting so closing day is on time and drama-free.
Your pre-approval checklist
- Photo ID
- Last 30 days of pay stubs
- Last 2 years of W-2s or tax returns
- Last 2 months of bank statements
- Social Security number (for credit)
- Your real-estate agent's contact info (if you have one)
Self-employed, retired or have a unique situation? Kenny will tell you exactly what's needed.
Licensed in Utah & Florida
Based in Layton, Utah — and working with clients from the Wasatch Front to the Gulf Coast, all from one trusted team.
What families say about working with Kenny
Answers before you even ask
Don't see your question? Kenny is a call or text away.
(801) 520-8475Why work with an individual loan officer instead of a big bank?
With Kenny you have one experienced person who knows your file, answers your call and can compare many loan programs for you. Big banks typically offer only their own products and route you through whoever is available.
How long does pre-approval take?
Often as soon as your application and documents are in. Start online anytime, or call Kenny to walk through it together.
Do you lend outside of Utah?
Yes. Kenny is licensed in Utah and Florida, with reverse mortgage, purchase and refinance clients in both states.
Who qualifies for a reverse mortgage?
Generally, homeowners age 62 or older who live in the home as their primary residence and have significant equity. You remain responsible for property taxes, insurance and upkeep. Kenny will walk you — and your family, if you like — through every detail.
How much do I need for a down payment?
It depends on the program: as little as 0% for VA and USDA, 3.5% for FHA and 3% for some conventional loans. Down payment assistance can help cover the rest.