HomeTown Mortgage

HomeTown Mortgage

It’s Good to Be Home

At HomeTown Mortgage, we know how important it is to find a great place to live, work, and play. We also realize that buying or building a home can be a stressful process, that’s why we make it simple. Whether you’re a first-time homebuyer, looking to refinance, or finally building the home of your dreams, we’re here to make things easier, starting with an online loan application so you can get started when it’s convenient to you.

We understand that everyone’s financial situation is different. That’s why we offer a wide range of mortgages and residential loan programs tailored to your specific needs. Our knowledgeable lenders will help you determine the best home loan product so you can get moving.

FHA: Federal Housing Administration

First-time homebuyers can take advantage of this government-sponsored loan program to access lower down payments.

VA: Veterans Administration

A government-sponsored loan program for members and veterans of the Armed Services with borrower-friendly terms and no down payment required.

USDA: United States Department of Agriculture

Avoid a down payment when purchasing a home in a rural area with this government-sponsored loan program.


This mortgage loan typically has low closing costs and flexible payment options.

HARP 2.0 (Home Affordable Refinance Program)

If your property value has fallen below your current mortgage balance through Fannie Mae and Freddie Mac, it may be smart to take advantage of this refinancing option.

Jumbo Mortgages

If you're purchasing a home with a mortgage of over $424,100, our Jumbo Mortgage solutions work to maximize your borrowing power.

Construction Loans

This allows people building a home to finance its construction. Disbursements can be made to cover the cost to build and when construction is complete, the loan converts to a permanent mortgage.

Lot Loans

A lot loan is a great option if you’ve found the perfect place to build but are not ready to break ground.

Doctor's Loans*

Our mortgage loan program for doctors provides flexible terms for larger home loans when you maintain a HomeTown Bank checking account.

Portfolio Mortgages

Customized financing options that are serviced in-house by our consumer lending experts.

Home Equity Lines of Credit

Use your home like the valuable asset it is, by taking out a line of credit to access funds when you need it.

Home Equity Loans

Utilize the value of your home with a one-time lump sum loan.

Rate Types

Fixed Rate Home Mortgage Loans
With a fixed-rate mortgage, you’ll have the peace of mind of knowing what your monthly payment will be.

Adjustable Rate Mortgages
If you are planning to stay in your home for just a few years before moving, an adjustable rate mortgage (ARM) may be worth considering.

HomeTown Residential Mortgage, LLC DBA HomeTown Mortgage NMLS# 1046033
HomeTown Bank NMLS# 677759

*Certain limitations may apply.