Tim puts his head and heart into what he does. During such a stressful time of purchasing and selling a home, Tim put me at ease every step of the way. Not only did I close on time but he was at each of my closings, walked me through everything I needed to know AND I got more money back than we had originally planned. I felt like his only client and would not think of using any other lender.
– Rachel T.


Tim Howard was the first person I thought of when I needed a mortgage for my new home. I’d worked with Tim for many years in another industry and was sad that he went back to mortgage lending. That is, until I needed his services for my new loan, and then I was really happy!
My move was a quick decision and Tim acted immediately to produce the pre-approval documents and start the loan process. He was fast to return calls from me and the real estate agent. Tim was helpful and patient when I needed additional information to understand all the changes and new rules in the real estate market that have been instituted over the last several years.
Tim is an easy and personable person to work with. You can talk with him and he won’t give you half-answers or no answers at all. He followed up on email correspondences with the answer or to let me know the answer was forthcoming. And it always was. You aren’t another “number” with him. Tim kept me in the loop with the progress of my loan and I didn’t have any surprise correspondence when there were additional information requests.
I recommend Tim Howard as your mortgage lender. He’s great, knowledgeable, and so easy to work with. My loan was processed in a very timely manner. In fact, I had to wait two weeks for the sellers pre-arranged moving date before we could close on the property! Call Tim – you’ll be happy you did.
– Lynne B.


Tim was amazing to work with. He responded quickly to emails and messages. He is extremely knowledgeable and was able to answer our many, many questions. There are so many hoops that one has to jump through for a home loan, and Tim made our home purchasing and loan process easy to understand and navigate. He even came to the closing. I would highly recommend Tim for any of your real estate financial needs.
– Karen P.