Kenny Farshchian Mortgage Loan Officer - Hometown Mortgage, Co.

Kenny Farshchian Mortgage Loan Officer - Hometown Mortgage, Co. I'm a Mortgage Pro focused on saving agents time, empowering homebuyers, and specializing in reverse mortgages. Let's achieve your homeownership dreams!

Make your mortgage journey smooth and efficient, ensuring tailored advice and top-notch service. Hometown Mortgage, Co. NMLS 2645893. NMLS # 1639863. 1332 S 4125 W, Syracuse, UT 84075. is an Equal Housing Lender. A copy of our Privacy Policy and Notice is accessible by going to Hometown Mortgage, Co. website and clicking on the “Privacy Policy” link located at the bottom of the page. https://www.thehtmortgage.com/Privacy-Policy
Utah Division of Real Estate #6439312

09/16/2026

Has your family grown—but your home stayed the same size? 🏡

When bedrooms become storage rooms, the dining table doubles as a homework station, and stepping on toys feels like an extreme sport…it may be time for more space.

You might be closer to your next home than you think. I’ll help you understand your options and create a clear plan—without pressure or guesswork.

Message me or call Kenny at 801-520-8475 to see what your next home could look like.

Hometown Mortgage, Co.
Small-town service. Fast. Simple.

09/11/2026

Some advice belongs in the ’80s—right next to shoulder pads and brick-sized cell phones.

You may not need a 20% down payment to buy a home. Your options depend on your finances and the home-buying programs available to you.

Don’t let outdated advice make the decision for you.

DM me or call Kenny at Hometown Mortgage, Co. at 801-520-8475 to find out what may be possible.

Jumped on the 80’s trend. I look just like my dad in this picture. Haha
09/10/2026

Jumped on the 80’s trend. I look just like my dad in this picture. Haha

If you're a veteran or eligible service member looking to buy a home, a VA loan could offer benefits worth knowing about...
08/21/2026

If you're a veteran or eligible service member looking to buy a home, a VA loan could offer benefits worth knowing about. 🇺🇸🏡

Your VA benefit is something you've earned, so make sure you understand how it can work for your homeownership goals.

Ready to explore your VA loan options? Contact Hometown Mortgage today and let our team help you understand the process from pre-approval to closing. 📞

08/21/2026

What is mortgage insurance, and why might you need it? 🏡

Mortgage insurance is designed to protect the lender if a borrower is unable to make their mortgage payments. It is commonly associated with loans where the buyer has a smaller down payment, although the rules depend on the type of loan.

For example, with some conventional loans, private mortgage insurance, or PMI, may be required when you put less than 20% down. Certain government-backed loan programs have their own mortgage insurance requirements.

Mortgage insurance can make it possible to buy a home with a smaller upfront payment, but it also adds to the overall cost of your loan.

The important thing is understanding when it applies, how much it may cost, and how it affects your monthly payment before choosing a loan.

Not sure how mortgage insurance could affect your home loan? Contact Hometown Mortgage today and let us help you understand your options. 📞

Closing day is when all the preparation finally comes together. But what actually happens when you get to the finish lin...
08/19/2026

Closing day is when all the preparation finally comes together. But what actually happens when you get to the finish line? 🏡🔑

On closing day, several important steps take place:

📄 Final documents are signed: You'll review and sign the paperwork needed to complete the purchase and finalize your mortgage.

💰 Funds are transferred: Your down payment, closing costs, and loan funds are handled according to the closing instructions.

🏠 Ownership is finalized: Once the transaction is completed and recorded, the home officially becomes yours.

🔑 You get the keys: After everything is finalized, it's time to move into your new home!

Before closing, you'll also want to review your final closing disclosure and make sure you understand the amount you'll need to bring to closing.

Getting close to closing day? Contact Hometown Mortgage today and let us help you understand what to expect every step of the way. 📞

Want to avoid unnecessary delays during your mortgage approval? Start with your paperwork. 🏡Missing or inconsistent docu...
08/19/2026

Want to avoid unnecessary delays during your mortgage approval? Start with your paperwork. 🏡

Missing or inconsistent documents can slow down the approval process, especially when the lender needs additional information to verify your finances.

The best approach is to keep your documents organized, provide complete information, and respond quickly when your lender requests something.

Preparing to apply for a home loan? Contact Hometown Mortgage today and let us help you get your paperwork ready for a smoother approval process. 📞

08/17/2026

Found a better mortgage option after starting the process with a lender? You may be wondering, can you switch lenders midway? 🏡

In many cases, yes, you can switch lenders before closing. However, it's important to understand what you're giving up and what you may need to start again.

Switching lenders could mean:

📄 Resubmitting documents: Your new lender will need to review your income, credit, assets, and debts.

🏠 A new appraisal: Depending on the situation, the new lender may require its own appraisal.

⏳ More processing time: Starting over can potentially delay your closing.

💰 Additional costs: Some fees may not transfer, so compare the total cost of switching, not just the interest rate.

Before making a decision, compare the new loan's rate, fees, terms, and closing timeline against your current offer.

Thinking about switching lenders or want to compare your options? Contact Hometown Mortgage today and let's see what makes the most sense for your situation. 📞

How long does it actually take to get a mortgage approved? 🏡There isn't one exact timeline because every application is ...
08/14/2026

How long does it actually take to get a mortgage approved? 🏡

There isn't one exact timeline because every application is different. A mortgage can move from application to approval in days or several weeks, depending on the lender, loan type, property, and how quickly required documents are provided.

Here are a few things that can affect the timeline:

📄 Complete documentation: Missing income, asset, or employment documents can cause delays.

💳 Credit and financial review: Lenders need time to verify your debts, income, and overall financial situation.

🏠 Property appraisal: The lender may need an appraisal to confirm the property's value.

🔍 Underwriting: Your application is reviewed against the lender's requirements before final approval.

The best way to keep things moving is to stay organized, respond quickly to requests, and work with a mortgage team that keeps you informed throughout the process.

Planning to buy a home? Contact Hometown Mortgage today and let us help you understand the process and prepare for a smoother approval. 📞

Does checking your credit hurt your credit score? Not always. 👀It depends on how your credit is checked.A soft inquiry, ...
08/13/2026

Does checking your credit hurt your credit score? Not always. 👀

It depends on how your credit is checked.

A soft inquiry, such as checking your own credit report or getting a pre-qualification, generally does not affect your credit score.

A hard inquiry happens when you apply for credit and a lender reviews your credit as part of the application. A hard inquiry can cause a small, temporary drop in your score.

If you're shopping for a mortgage, don't let the fear of checking your credit stop you from understanding your options. Mortgage lenders may also treat multiple inquiries for the same type of loan within a certain shopping period differently when calculating your score.

The key is knowing the difference before you apply.

Thinking about buying a home and want to understand where your credit stands? Contact Hometown Mortgage today and let's talk about your home loan options. 📞

Address

1332 S 4125 W
Syracuse, UT
84075

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18015208475

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