I guide future and current homeowners through the buying or refinancing process—no stress, just clear steps and expert support! Whether you're starting fresh or looking for a better financial fit, I make the journey simple, exciting, and tailored to your goals. Let’s turn your dream home into a reality! Connect. Apply. Move In.109 West Main StreetChillicothe, Ohio 45601740-851-4760 www.8514760.comJennifer A. ConleyNMLS# 128553LO.029176.002Home Loans by Jen Gold Star Mortgage Financial Group, CorporationNMLS# 3446RM.804120.000

Latest episodes of the podcast Home Loans by Jen

• This family set a budget to pay things off in order to buy a home
• Long time renters buy their home of 16 years
• Helping the son of high school friends buy a house
• Moving to Chillicothe from out of town
• This woman came back from a trip and closed on her home as soon as she returned
• This family got into their home in 17 days
• The sellers covered this couple's closing costs
• This couple bought their house with no money
• This loan became complicated, but they stuck with it and she is a home owner today
• This local family bought the house they had been renting for 26 years
• This local lady became a home owner with very little money down
• This couple refinanced, got cash out, and still had over $80,000 in equity
• Renters got in their new home with only 3.5% down
• The second time's a charm
• Her mortgage is the same as her rent was for her apartment
• She got the chance to buy the house she used to live in
• They purchased the home they were renting
• Her rmortgage payment is less than rent in the same home
• This family got a gift of equity and had no money down
• Reasons to Refinance
• Back for another loan
• This Family refinanced and got $50,000 in cash out
• Two Refis at Once?
• They didn't start with Home Loans by Jen and ran into issues
• Buying from a relative
• Clear to Close in 10 business days!?!?
• Word of mouth is the best referral
• Is it time to refinance?
• Jen helped this family moving from another state
• She heard us on the radio and is in her new home in 23 days
• Google led them to Home Loans by Jen
• New Home- new baby
• Family referral clear to close in 15 days
• Changed house- still clear to close in 10 days
• Local Veteran uses his benefit to buy a house
• Mom and Son get their new home in 13 days
• This family was referred by friends and are in their new home
• Life changes and a home change
• Referral from a co-worker
• 16 Days to clear to close
• Some delays- but still in their new home
• Dad referred this couple to Home Loans by Jen
• Ronnie heard about Home Loans by Jen on the Radio
• This couple was referred by a friend and was in contract within 5 days
• Buying and selling at the same time and still clear to close in 11 days
• A VA loan in 17 days from submission to clear to close
• This family refinanced and saved over $1300 a month
• This family was happy to find their forever home
• This family took the advice from a friend and were in in their home quickly
• A great Realtor can help you get into your home
• This family saved over 1300 by refinancing their home
• She listened to Mom and Dad and now is in her new home
• Stephanie used digital signing because she was so busy
• Jennifer had all her paper work in place and was in her new home in 20 days
• Justin was pre approved and in contract within 13 days!
• Megan went from renter to home owner in 15 days
• This family needed more room and went from renters to home owners in 18 days
• Hometown Lenders helps an out of state compnay re-locate to Chillicothe
• This family used their VA benefit for their new home
• Christopher used the USDA Loan to get into his new home in 22 days
• This Family saved money by refianancing their home, and it only took 10 days!
• This family had issues elsewhere with a VA loan, but HomeTown lenders got the job done
• Kacey got in her first home with no money down in 15 days
• Katie and Bryce started with another lender but things stalled so they called HomeTown Lenders to finish the job
• This family bought their new home in 19 days with NO DOWN PAYMENT!
• They didn't think they would be able to be homeowners
• Get pre-approved now with HomeTown Lenders so when you find that home you are ready
• Refinancing is still an option
• Another VA Loan for a deserving Veteran
• You can you your VA benefits to refinance your current loan
• HomeTown Lenders will stick with you even if you have issues with your credit
• Whether it takes 2 weeks or two years, HomeTown Lenders will help get you in your new home
• This family came back to HomeTown Lenders for their second home
• This couple got pre approved and it helped them get the home quickly
• This family had a lot going on, but got in their new home in record time
• Buying and seliing at the same time? No problem for HomeTown Lenders
• You set the pace of your mortgage process
• This family started with another lender and things went bad
• Refinance your current home to save money
• No downpayment loans are still available
• In person or online, HomeTown Lenders can get your loan started
• From homeless to homeowner in 17 days
• You can work online or in person with HomeTown Lenders
• HomeTown Lenders can help even if your credit is not that great
• There are many reasons to refinance your home
• It's never too late to refinance your current home
• This local guy worked for about a year to get into his new home
• Is this the year to refinance your home?
• This family saved with a refinance at HomeTown Lenders
• This Family was given a plan and is now in their new home
• Save money refinancing your home with HomeTown Lenders
• This couple was able to buy the home they were renting
• This family was able to get cash back with their refinance
• HomeTown Lenders works around YOUR schedule
• Jen helps her son buy a home
• No down payment necessary for this first time home buyer
• Get your application started today with HomeTown Lenders online
• This family refinanced to help pay off debt and do home repairs
• There are many reasons to refinance your home
• Buying and selling at the same time- no problem for this family
• This couple got pre-approved and worked hard to get in their new home fast
• Things went quickly for this family and they are in their new home
• Buying and selling at the same time? No Problem with HomeTown Lenders
• It took this couple awhile, but they stuck with it and are new home owners
• This family was able to pay of high interest bills by refinancing
• HomeTown Lenders can help even if your credit is not that great
• It's never too late to refinance your current home
• This local guy worked for about a year to get into his new home
• No matter how long it takes, HomeTown Lenders will stick with you to get you into your new home
• You can work online or in person with HomeTown Lenders
• This couple stayed involved in their loan process and made it quick and easy
• Is this the year to refinance your home
• Check out the online application and tools from HomeTown Lenders
• It took this couple a few months to get an offer accepted on a house, but didn't give up
• This local woman worked the plan she was given and was able to buy her new home within two months
• Survey issues didn't stop this family form buying their dream home
• The appraisal came back with repairs needed, but it didn't stop this family from getting their new home quickly
• This couple started with another lender, but ran into problems and was able to get their new home with HomeTown Lenders
• She had some issues to work thru, but got it done quickly and she is in her new home
• He started with another lender that couldn't get it done
• She had a little work to do before getting pre- approved
• She was the Second loan on the house, but got it done with HomeTown Lenders
• Sometimes you have issues to work thru, but HomeTown Lenders doesn't give up on you
• Melissa refinanced and saved over $700 a month
• This first time home buyer got pre- approved and was in her home in 30 days
• Devon got an OHFA loan and brought ZERO money to closing
• These repeat clients made buying & selling at the same time look easy
• Clear to close in just 18 DAYS!
• Great Communication kept this loan on track
• This home owner refinanced and saved $1500 a month!
• This home buyer brought zero money down to closing
• This home buyer worked with us for a bout a year before deciding on the perfect home
• Only 20 days from submission to clear to close for this home buyer
• This family got heir home in 22 days with no money down
• A HomeTown Pre approval letter helped this family get the home of their dreams
• Repeat customer holds out to refinance at a lower rate
• This couple used their VA benefit to get into their new home in 30 days
• Hayden took his time finding the perfect house
• This family refinanced to pay off debt and ended up saving over $500 a month
• This local woman returned to HomeTown Lenders to refinance her home
• This loan was 13 days from submission to clear to close- even during the coronovirus!
• Cody has the keys to his new home with less than $15 down
• First time home buyer brings $0 to closing!
• This couple found the perfect home in their price range
• James closed on his new home using VA benefits and brought less than $15 to closing!
• No money down? it IS possible
• This couple closed in record time...2 weeks!
• Brandon bought his new home with NO money down
• Less to 30 days from submission to clear to close for this local couple
• You don't need 20% down to buy a new home
• Andrew came back to HomeTown Lenders to purchase his 2nd home
• This local guy started with another lender, but got frustrated and switched to HomeTown Lenders
• This first time home buyer was able to find a gem of a home
• Henry got his loan done at HomeTown Lenders before his house was completed
• Shane came to closing with NO out of pocket money!
• Jonathan got pre approved the same day and was in contract on his new house a few days later
• Sometimes it takes awhile to find your home, HomeTown Lenders will stay with your through the process
• HomeTown Lenders was able to help this busy couple buy their home
• Cody was tired of renting and used his VA benefit to buy his very own home
• Down payment assistance loans can be quick and easy
• Misty was able to close in just under 30 days
• Merry Christmas from everyone at HomeTown Lenders
• Are you a current home owner and need some help? Maybe it's time to refinance
• Find out what your loan options are.. Just give us a call at HomeTown Lenders
• Amanda was able to refinance and save money
• If you are not happy at another lender, switch to HomeTown Lenders
• You are part of the family at HomeTown Lenders
• If you are struggling, it may be time to refinance and use that equity to pay off debt
• 13 days from submission to Clear to Close!
• Peyton used the OHFA loan to bring no money at closing
• Jaqueline got approved and closed quickly
• Lawrence got a grant to help pay his down payment
• Tina refinanced her current home and was able to pay off debt
• First time home buyer is clear to close in 21 business days
• Joseph wanted to close quick, and HomeTown Lenders stepped up to the plate
• Brandon was a new home owner in 21 business days
• Miranda was determined to close fast-- 16 business days!
• Ben found the perfect home and came straight to HomeTown Lenders
• Christopher was able to buy the family home with help from HomeTown Lenders
• This couple came back to HomeTown Lenders to purchase their second home
• Is it time to refinance? let HomeTown Lenders help
• You don't need perfect credit to buy a new home- let HomeTown lenders help
• Carrie got pre approved and was under contract in 49 hours
• Sandra started with another lender, but found out they didn't lend on manufactured homes. HomeTown Lenders was able to finish the job
• This couple wanted to take their time thru the home buying process
• Michael was referred to HomeTown Lenders by a friend
• Siblings each by a home with HomeTown Lenders
• Get pre approved to prove you are a serious buyer
• Thomas refinanced and was able to pay down debt
• Buying a home can give you security
• Sara didn't want to rent, so she went to HomeTown Lenders to buy her own home
• Tracy was done renting and found the perfect loan for her at HomeTown Lenders
• Taylor was clear to close in less than 3 weeks!
• This couple used the 203K loan to make improvements to their new home
• This couple wanted to take their time finding the perfect house
• This local resident was refereed to HomeTown Lenders by a co-worker
• Some loans are easier than others, but HomeTown Lenders will not give up when it gets hard
• Ryon took his time finding the perfect home, but when he did, he was able to close fast
• Communication is key to helping your loan close quick
• Christy wasn't even sure she qualified to buy a home, but less than 60 days later she is a new home owner
• Mary was selling a home out of state, and buying here in Ohio at the same time
• This couple became home owners in less than 30 days from submission to clear to close
• You can get Pre-approved online at HomeTown Lenders
• The borrower helps mover the long along faster
• This home buyer asked all the right questions and got in his home fast
• HomeTown Lenders helped this family buy a second home
• You are not B.T.R (Born to Rent) Call HomeTown Lenders today to start the process of becoming a Home Owner
• This long time renter was able to buy the home he was currently living in
• This single mom was able to qualify for a home loan
• No down payment? no problem with OHFA down payment assistance
• Self Employed and wanting to buy a house? no problem at HomeTown Lenders
• This motivated couple was buying and selling at the same time and got it done fast
• Keep your down payment money for something else
• This local resident qualified for a zero down payment loan
• This guy worked hard to help his loan along
• VA loans don't have to be hard- let HomeTown Lenders help
• This couple bought their home from family and were closed in 9 days!
• This family got into their new home with $0 down!
• This family worked a lot and needed a lender who could work around their schedule
• This couple was able to stop renting and buy their own home
• This veteran used his VA benefit to purchase his new retirement home
• HomeTown Lenders can help if you are moving into or out of the Southern Ohio area
• This lady had great communication and was able to get into her home in 30 days
• OFA Grant can help you get into your new home with NO MONEY DOWN.
• This couple went to another lender first and had issues, but HomeTown Lender was able to finish the job
• you help set the pace at HomeTown Lenders
• HomeTown Lenders wants to get to know you
• Government Shutdown? No Problem at HomeTown Lenders
• Rehab loans can help make that "almost" home YOUR home
• Busy? HomeTown Lenders can work around YOUR schedule
• Like face-to-face communication? They still do that at HomeTown Lenders
• This man was just looking to be pre approved, but ended up under contract with his new home within a week
• Starting out or starting over, HomeTown Lenders can help
• Don't be intimidated with the loan process, HomeTown Lenders is there to help
• This local guy brought no money to closing thanks to a grant program
• This family got pre-approved and got in their new home fast
• Are you a veteran? let HomeTown Lenders help you with a VA Loan
• Have you been in your current home awhile? Maybe it's time for a refinance
• HomeTown Lenders helped this family buy a second home after they lost their first to a fire
• You can help your loan close faster
• Down payment Grants are available to qualified homeowners
• In person, online, or on the phone, you can start your loan process at HomeTown Lenders however you like
• Time to refinance your current home? HomeTown Lenders can get you cash and lower your payment
• This Local family started the process early and was in their new home fast
• This Local woman started with 2 other lender and had issues until she went to HomeTown Lenders
• You get home Town service at HomeTown Lenders
• This local man found his dream home and brought $0 to closing
• If you are tired of renting, HomeTown Lenders can help you own your own home
• This local man came to a Coffee Shop Q & A and decided it was time to buy his own home
• This family had no down payment and closed in 30 days
• This family returned to HomeTown Lenders for another successful home loan
• This family had many challenges, but HomeTown Lenders was able to get the loan done
• This Family found themselves buying and selling at the same time- but it was no problem with HomeTown Lenders
• If your dream home needs work, we've got a loan for that
• Time to refinance your current home? Call HomeTown Lenders
• This family returned to HomeTown Lenders for their next home
• This family was moving to Ross County from out of state
• This local man was able to come to closing with NO MONEY DOWN
• This young man is the perfect example of how a loan should go
• This lady started with another lender, but ran into problems. She came to HomeTown Lenders and the problem was solved
• You won't find "Banker's Hours" at HomeTown Lenders
• Communication is the key to getting your loan done quickly
• Having trouble with that downpayment? Let HomeTown Lenders see if you qualify for a "No Money Down" loan
• Are you renting but want to buy? HomeTown Lenders can help
• This family was preapproved for more that what they thought
• Another Clear to Close loan in 30 days
• The McNeal's didn't want to rent anymore, so they returned to Chillicothe as home owners
• An Ohio Grant helped this customer come to closing with NO MONEY DOWN!
• This family managed to take a vacation and still closed quickly
• Good communication is the key to a quick closing
• The best recommendations come from our customers
• This family was patient and did all the right things while waiting for their dream home to come along
• Is this homeTown Lenders stuff for real?
• Stephanie got Pre approved with HomeTown Lenders first, making it easier to get into her new home
• Like in person service? We still do that at HomeTown Lenders l
• It can be hard for Union workers to report their paychecks for a loan- but not at HomeTown lenders
• Tito found the house of his dreams and needed to secure financing fast
• Tim was having trouble finding a house, but he didn't give up
• This local Veteran Heard about HomeTown Lenders on WKKJ and they were able to help
• This man was moving to Ross County for a job, and had to get in his home fast
• HomeTown Lenders worked around this lady's schedule to get her in her new home fast
• This family started with another lender and got frustrated after 3 months
• You can help your loan go more quickly
• You can still do face-to-face business with HomeTown Lenders
• This local guy was able to get into his home with no money down!
• This family used an OHFA grant to help with their down payment
• This first time home buyer got in his dream home with HomeTown Lenders
• This family used their VA benefit and got pre-approved with HomeTown Lenders
• This family helped their loan close faster
• This family helped close their loan in less than 30 days!
• Buying a home does not have to be hard, even if you are selling your current home
• HomeTown Lenders works around your schedule to get loans done quickly
• HomeTown Lenders helped this couple get into their dream home
• the Dream Home Improvement Loan
• Want to close your loan in 30 days? It's possible
• This lady almost gave up until she came to HomeTown lenders
• Let HomeTown Lenders refinance your current home and save you money
• Local family finds the country home of their dreams
• No Banker's Hours at HomeTown Lenders
• This local family took their time to find their dream home and got financed quickly
• This local man was able to purchase a family home with no money down
• This local family got a V.A. loan with NO MONEY DOWN!
• This local guy got tired of renting, and is now a happy home owner
• This family was able to close quickly by working hard
• Think you can't get a home loan? Think again.
• This family got pre approved and was prepared and able to close in two weeks!
• HomeTown Lenders is able to work around your schedule to get things done.
• 4th of July story about a local veteran who got his dream home using his V.A. benefit
• This buyer ran into snags on the seller's side, but still got financed in two weeks
• This family returned to HomeTown lenders to buy their Third Home
• This family worked hard to get into their dream home
• This First Time Home Buyer Heard About HomeTown Lenders on the Radio!
• Love the home you are renting? See if you can buy it!
• These First Time Home Buyers Were able to Help Their loan Close Fast
• Being an involved buyer helps your loan process
• Refinance now to payoff debt or lower payments
• Down payment assistance loans are available
• This local guy was referred by a past client to HomeTown Lenders
• buying and selling at the same time? No Problem at HomeTown Lenders
• This lady returned to buy her second home from HomeTown Lenders
• This local guy started online, but the lender couldn't finish the job.
• This local lady feared she would be turned down, but not at HomeTown Lenders
• Buying and Selling at the same time? no problem for Hometown Lenders
• Another family clear to close in less than 30 days
• Deal with someone in your Home Town
• You can help your loan close quickly
• Personal Face-to-Face service is what you get at HomeTown Lenders
• Let HomeTown Lenders help you write your story
• Great communication is key to closing your loan fast
• Already in your deam home?- refinance with HomeTown to save money on your current mortgage
• This family challenged HomeTown Lenders and got their loan closed in 28 days
• Let HomeTown Lenders help you thru the home buying process
• Get True Approved with HomeTown Lenders to prove you are a serious buyer
• HomeTown Lenders can help anywhere in the state of Ohio
• This family knew what they were doing and helped get their loan closed fast
• Buying and selling at the same time?- no problem with HomeTown Lenders
• Dream Home Improvement Loans Available
• The best birthday present ever.....
• She didn't think she qualified to buy a home, but got qualified thru HomeTown Lenders
• They were turned down by an online lender, then went to HomeTown Lenders
• Selling and buying at the same time? No problem for HomeTown Lenders
• Ready to buy that home you are renting? Come to HomeTown Lenders
• These were prepared buyers who knew that communication is key to quickly closing
• This local lady got into her new home in less than 30 days
• This young man didn't want to rent, he wanted to be a home owner
• Good Communication paid off for this local family
• This local lady did what she needed to do to get clear to close in less than 30 days
• This local guy started with an online lender, got frustrated with the service, and went to HomeTown Lenders
• Buying and selling at the same time? Let HomeTown Lenders help
• This USDA loan closed in less than 30 days with less than $100 at closing
• Let HomeTown Lender refinance your current mortgage to save you money
• No money down loans and down payment assistance
• This local man was referred by a friend and was under contract in under 30 days
• This local woman kept in touch to keep her loan process moving fast
• personal service at HomeTown Lenders
• This couple was able to buy their dream home
• This local lady got a house for her birthday!
• This lady expected to be turned down for a home loan, but was surprised to be approved by HomeTown Lenders
• Don't Let Fear of the Unknown stop your home buying process
• This family found their dream home before selling their old one, but it was no problem with HomeTown Lenders
• When Your dream home is your family home
• Small down payment and no down payment loans are available
• This first time home buyer saved for a home and had no debt
• You can use the equity in your home to refinance and pay off bills
• Check out the Dream Home Improvement Loan
• This first time home buyer wanted to conduct business face to face with no appointment
• This local guy was not getting answers elsewhere, so he called HomeTown Lenders
• Communication is key in getting your loan finished quickly
• This local guy started with an online lender, but ran into problems
• This Family was selling their current home and had to get their new home quick
• You get In Person service at HomeTown Lenders
• This family started with an online lender and was turned down.... but HomeTown Lenders was able to help
• Juggling buying and selling at the same time? Let HomeTown Lenders Help
• Closing in 30 days is "the norm" for HomeTown Lenders
• Referred from a Family Member to HomeTown Lenders
• This Family Closed in 30 days thanks to great communication
• This family nearly gave up being a home owner
• This Family was turned elsewhere, but got financed thru HomeTown Lenders
• Over Communication is Great and helps you get into your home faster
• Are you already living in your dream home? HomeTown Lenders can help you buy it!
• HomeTown Lenders makes it easy for you with extended hours
• No down payment USDA Loans are available through HomeTown Lenders
• This Family returned to buy their Second home from HomeTown Lenders
• This family came back to HomeTown Lenders for their second home
• This family bought a home and are paying less than their rent!
• Don't Work 9-5? Neither Do We.
• Clear to Close in Less Than 30 Days!
• Home Buying CAN BE Quick and Easy with HomeTown Lenders
• Mortgage Payment Cheaper Than Rent
• Buying and Selling at the Same Time? No Problem
• Little or No Down Payment Loans are Available
• Grant Money Can Help With Your Down Payment
• HomeTown Lenders Does V.A Loans!
• Think You May Never Own a Home?- Think Again!
• Buying and Seling in Less Than 30 Days
• From Renting to Home Owner in 30 days
• In His New Home With Less Than $100 Down
• NO is not an Answer at HomeTown Lenders
• No Money Down? It's Possible.
• First Time Home Buyer in 30 days
• Helping Veterans Get in their Own Home
• HomeTown Lenders Helps You Through the Process
• You CAN Be a Home Owner too