Business Details
22 Years
experience
Your Trusted Mortgage Partner in Home Loan Solutions
Founded in 2004, Town & Country Home Mortgage has built a reputation for delivering personalized mortgage solutions. Our team combines decades of industry experience with a commitment to simplifying the home loan process for every client. We specialize in conventional, FHA, VA, and USDA loans, ensuring tailored options for diverse financial situations. Our founder, Abby Ivory, began her career in 2001 as a loan processor, bringing hands-on expertise to every transaction.With a focus on transparency and efficiency, we pride ourselves on closing complex loans like VA mortgages in as little as three weeks. Our clients consistently highlight our responsiveness, deep market knowledge, and dedication to achieving their homeownership goals.
Services
Conventional Loans
USDA Loans
FHA Loans
VA Loans
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of mortgage industry expertise since 2004
- Our team includes specialists with 30 years of combined experience
- We guarantee fast VA loan processing with 3-week closing timelines
- Our personalized service consistently earns 5-star client testimonials
- We provide transparent guidance across all loan types including USDA rural programs
Associations and certifications
- Nationwide Mortgage Licensing System (NMLS)
What people say
Super quick
Highly recommended
Amazing service
Buy and close in 3 weeks
Services
VA Loans
VA loans provide 100% financing for qualified military veterans and their spouses. Our specialists handle purchases, refinances, and cash-out options with no monthly mortgage insurance. We ensure compliance with VA requirements including service history verification and residual income calculations.
USDA Loans
USDA Rural Development loans offer zero-down financing for properties in eligible rural areas. We assist with purchase transactions and streamlined refinances up to 100% of the original appraisal. Our team verifies income restrictions and coordinates required upfront fee financing.
FHA Loans
FHA loans enable low down payments starting at 3.5% with flexible credit requirements. We process standard purchases, cash-out refinances up to 85% LTV, and streamline refinances. Our experts manage upfront mortgage insurance premiums and debt-to-income ratio calculations.
Conventional Loans
Conventional loans offer competitive rates with LTV ratios up to 97% for qualified borrowers. We handle purchases, refinances, and cash-out options with flexible seller contribution allowances. Our process includes credit score evaluation and debt-to-income ratio optimization.
People
Abby Ivory
Founder
Abby Ivory established Town & Country Home Mortgage in 2004 after starting her career as a loan processor in 2001. She specializes in VA loans and has helped hundreds of clients achieve homeownership through personalized mortgage solutions.
Liz Brotherson
Senior Loan Officer
Liz Brotherson brings 30 years of mortgage industry experience to our team. With expertise in rural development loans, she has supported the company since its founding in 2004, providing strategic guidance and client support.
Questions
What loan types do you offer?
We offer conventional, FHA, VA, and USDA loan programs to meet diverse home financing needs.
How quickly can you close a mortgage?
Our VA loans typically close in 3 weeks with efficient processing and documentation.
Do you offer 100% financing options?
Yes, we provide 100% financing through VA and USDA loan programs for qualified applicants.
What credit score do I need for a mortgage?
Minimum credit scores range from 580 (FHA) to 620 (VA/USDA/Conventional) depending on loan type.
