Nancy Howley
Mortgage Consultant | NMLS# 631481
As a resident of Crystal Lake since 1967, Nancy is THE authority on mortgage lending in the area. She identifies aspects that other loan originators may overlook, allowing her to help scores of homeowners purchase and refinance homes.
Nanc... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
This is the second time I have used Home State once for mortgage and this time for siding and being an older single lady my treatment goes above and beyond you would expect. As far as I am concerned there is no better bank than Home State....
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Nancy Howley was so helpful explaining everything. very patient, always returned call promptly. We could not asked for anymore.
We had time and date constraints which also involved our son's name on the title. I thought it would be difficult to align 3 different schedules but Nancy coordinated everything seemlessly.
Nancy's experience in the business really showed through during the entire process. She is very good at explaining what we needed to complete and the items she needed in a timely manner. Very likable , I have worked with Nancy before with clients...
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Nancy was very helpful every step of the way and kept us updated - there was no guessing
Reply from Nancy Howley
September 28th, 2026 02:42 PM
Suzanne, thank you for your kind words. I'm pleased to hear that I could assist you every step of the way and keep you updated throughout the process with Home State Bank.
was extremely helpful and professional. She's very responsive and knowledgeable and represents Home State Bank well. was a pleasure working with her.
Reply from Nancy Howley
September 24th, 2026 08:10 PM
Michael, thank you for your kind words. I'm glad to know that I could provide helpful and professional service while representing Home State Bank. It was a pleasure working with you as well.
Nacy was great from the start to end of the loan she answered all of my questions and worked with us through some challenges .
Reply from Nancy Howley
September 14th, 2026 06:01 PM
Scott, I'm grateful for your kind words. It's nice to know that I could assist you throughout the loan process and help navigate any challenges. If you have any further questions, please feel free to reach out.
Nancy was an absolute pleasure to work with, fast response time and anwsered all of my questions throughout the process.
Reply from Nancy Howley
September 14th, 2026 04:49 PM
Michael, I appreciate your kind words. I'm glad to hear that my prompt responses and assistance throughout the process were helpful. If you have any more questions in the future, feel free to reach out.
Nancy was communicative, informative, and kind. She made the entire process simple.
Reply from Nancy Howley
September 8th, 2026 02:27 PM
Patrick, thank you for your kind words. I'm happy to hear that the process felt simple and that my communication was helpful. If you ever need further assistance, please feel free to reach out.
was excellent. Nancy did a great job explaining and keeping me informed. The timeframe needed for me to get this done was short and Nancy did a great job taking care of that for me as well as Lauren.
Reply from Nancy Howley
September 7th, 2026 02:22 PM
Lane, I'm pleased to hear that you had an excellent experience and that I could help meet the tight timeframe. It's great to know that both Lauren and I could keep you informed throughout the process. Thank you for your kind words.
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About
As a resident of Crystal Lake since 1967, Nancy is THE authority on mortgage lending in the area. She identifies aspects that other loan originators may overlook, allowing her to help scores of homeowners purchase and refinance homes.
Nancy is passionate about finding creative financing solutions for her clients, no matter how complex. She leverages her dedication to learning, along with her experience and unparalleled insight to better offer opportunities to her clients.
By staying up-to-date on the latest in mortgage lending, Nancy has become a vital resource for homeowners and Realtors alike.
Products & Services
Mortgage Loan Officer
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Positions
- Home State Bank N.A. - Mortgage Loan OriginatorAug 1st, 2007 - Current
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 631481
Disclaimer
HOME STATE BANK NMLS #478452. HOME STATE BANK is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Rates, terms, programs and their conditions are subject to change without notice and certain programs/services may not be available in all states.