
Crystal Lake- 40 Grant St, IL
Crystal Lake, IL

You have arrived at our front door to convenience, opportunity and trust. We greet you with the right products and useful tools capable of fulfilling your unique needs.
Choosing a trusted mortgage lender can help you save money today, and... Show More
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
We were blown away by the service! Laura and team are amazing at what they do!
Laura and her team did an amazing job! We were able to close on our home 13 days after our offer was accepted. Truly amazing! We are so grateful for all they did for us.
Nancy is thorough and helpful along the way
always available for questions by email or phone during this process.
pleasure to work with
Reply from Nancy Howley
August 24th, 2025 11:15 AM
Paul, thank you for the wonderful feedback. I'm pleased to hear that you found my assistance thorough and helpful. Being available to support you throughout the process is very important to me. It was truly a pleasure working with you as well....
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Home state and Nancy Howley is a pleasure to work with always easy to contact by email or phone and quickly answers any questions
Easy to talk to and very professional
Very knowledgeable, friendly and helpful.
Reply from Nancy Howley
August 21st, 2025 05:51 PM
Michael, thank you for your kind feedback. I'm glad to hear that my knowledge and friendliness were helpful to you. It's always my aim to provide support that makes a difference. If you need further assistance or have more questions, feel free...
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HSB service always great. We never had any issues.
Reply from Nancy Howley
August 19th, 2025 03:20 PM
Dipakkumar, thank you for sharing your positive experience with Home State Bank. I'm delighted to hear that you've consistently had great service without any issues. It's always rewarding to know that our efforts contribute to such a seamless...
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Nancy made the process very easy
Reply from Nancy Howley
August 19th, 2025 02:34 PM
Wayne, I'm so pleased to hear that I could make the process easy for you. Ensuring a smooth and straightforward experience is always my goal. If you have any more questions or need further assistance, I'm just a call away. Thank you for your...
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Highly recommend! Definitely was scared at first and Kyle definitely knew exactly what to do take everything into an easy step by step procedure within a few days I was pre-approved and with 3 months I’m in me brand new home with my family!...
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Nancy was professional - VERY well informed - answered all my questions - was available when additional info was needed - all in all - she left me with an outstanding impression of her abilities and the service from Home State.
Reply from Nancy Howley
August 16th, 2025 02:02 PM
Carol, thank you for your kind words. I'm glad I could provide you with the information and assistance you needed. It's important to me to be accessible and well-informed so that I can contribute positively to your experience with Home State...
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Communication was top-notch! Al was always available to answer any questions I had even by text, which made things super easy. It’s been 25 years since I last purchased a home, but Al made the whole process smooth and stress-free. Thank you...
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About
You have arrived at our front door to convenience, opportunity and trust. We greet you with the right products and useful tools capable of fulfilling your unique needs.
Choosing a trusted mortgage lender can help you save money today, and in the future. Whether you are looking to build a new home, buy an existing home, or refinance your current mortgage, we are committed to helping you find the right products in order to fulfill your unique mortgage needs. Most importantly, you'll find that our good-natured, hometown mortgage professionals make the difference. We look forward to serving your home financing needs with expertise and professionalism, a cornerstone to our growth and referral success since 1915.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Time Zone
Pacific Standard Time (PST)
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.