Reviews of Jonathan F. Howard - Howard Team Home Loans. (Loan Agency) in Tampa (Florida).

Jonathan F. Howard - Howard Team Home Loans

131 Reviews

129 Comments

Loan agency

Mortgage broker

1646 W Snow Ave #126, Tampa, FL 33606, United States

Description

Information of Jonathan F. Howard - Howard Team Home Loans, Loan agency in Tampa (Florida)

Discover the opening times, the location, contact, popular times, photos and real reviews by internet users.

This place has a very good rate, they treat their customers well and you’ll feel welcome, super recommended

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Reviews of Jonathan F. Howard - Howard Team Home Loans

Brianna Perez

My husband and I started working with Tim Perez (Loan Officer) and his team and received the best service we possibly could. From the beginning, the seller needed to close in 30 days and The Home Loan Expert made it happen! They definitely went above and beyond to help us close on our very first home. They were in constant communication with us (and all necessary parties) about the status of the whole process and were very on top of everything. With us being very new to this whole process, I appreciated their availability to answer any questions we had (via phone or email) and they always responded quickly! I would absolutely recommend them to anyone and everyone! They found us a great rate in this crazy market and we closed on time. We definitely couldn’t have done it without them! Thanks Home Loan Expert team!

Jordan Fenton

The Loan Expert ‘Jon Howard’s Team’ in Tampa, Florida is fantastic point blank. From the initial conversation I had with Jon Howard, I knew that my family and I were in good hands. The level of mortgage expertise he possesses, and engagement demonstrated that he is not only passionate about his craft, but genuinely cares about meeting my family’s expectations and goals. In a time where customer service is lacking, Jon Howard’s team had plenty to give and showed it all the way throughout the entire process. His Team Ingrid, Joni, Joel, and Christine along with the rest of his staff showed exceptional commitment and ensured that everything was aligned and ready for closing without any delays. In closing, if you are in the market to buy a house and need excellent service, a team who will stop at nothing to meet your goals and see it though, please look no further than The Loan Expert ‘Jon Howard’s team’. He made a dream of home ownership become a reality for my family and I, and I firmly believe he will do the same for his existing and any future client.

V Nation -A Commitment to Fitness

This is what right looks like! I would immediately recommend the Howard Team of The Home Loan Expert to anyone seeking a home loan. We were reassured and treated as family from the very beginning of the process to closing. Our loan was rescued by the Howard team when a different mortgage group failed us. Jon, Ingrid, Joni and Christine effectively work as an amazing team making the steps painless and fast. Thank you all so much. Our new home is the greatest step towards our future and we couldn't be more happier than we are today. - Valencia Hollobaugh

Daniel Franklin

I recently purchased a home and used The Home Loan Experts in Tampa, FL for financing. Jon and his team were great and always available to answer any and all questions I had throughout the process. I needed a quick turn around and Jon was able to complete financing for a 21 day closing. I highly recommended Jon and his team. I will definitely use them again myself.

Chris Diaz Jr

Jon and his team were extremely helpful during these crazy times in the market. They were efficient, professional and friendly during the entire process. Jon and his team were extremely knowledgeable when it came to VA loans. They explained every detail as much as possible to ensure I understood it. Thanks Jon and the entire home loan expert team!

Rudy Dahlback

I used the VA hero loan to buy a condo. The process became long and difficult but not because of the Home Loan Expert team. There was a tenant in the condo that wouldn’t let us in until they were evicted for going months without payment. Jon Howard and team were patient and helped me with anything I needed. Special thanks to Ingrid, who worked hard to get the condo approved by the VA so we could get the loan. I know it is a difficult process dealing with the VA. She was my go to person from the team and was always there to answer any questions I had. There were so many people involved for the Jon Howard team to make this happen and I am grateful. Their communication is too notch!

Jennifer Genzer

Jon and his team of people are AMAZING! From start to finish, they provide encouragement, guidance and expertise like no one else! I can't say enough good things about this team. They go above and beyond and have made my dreams of living in Florida a reality! I will forever be grateful to them and to my realtor for recommending them to me! Love you guys!

Anthony Santiago

I can not recommend Jon Howard and his team enough! This was my first time buying a home and Ingrid, Joni, Christine and Jon were there every step of the way to make the home buying process as seamless and painless as possible. We were able to close in less than a month and it could have been sooner if there weren't some issues on the seller side. Thanks again to Jon and his great team for helping become a Homeowner!

Jason Adams

We used Jon Howard and the Home Loan Expert team to secure our loan for our home purchase in Riverview, FL. The entire team was professional, responsive, and knowledgeable. Ingrid Dioses, Christine Walker, and Joni Karpinski supported us every step of the way and answered all of the questions we had in a timely manner. With Jon, they were able to help us secure a great interest rate and clearly explained all financing options available to us. They made sure we understood the process and kept us updated. If you are looking for an honest, responsive home loan team, I highly recommend the Home Loan Expert.

tirso ochoa

Me and my family cannot say enough good things about how hard Ingrid Joni and all the crew that work on this loan for me and my family. My loan was not a normal situation based on my credit History and some other things. But believe me when they picked up that file they work really hard they asked me for the things that I needed to supply I was able to supply them and they didn't lose patience and they did not seem to be at all concerned about time spent with the file or time they have to put together I know it was a hard file for them and they came through for me and my family did not stop working till the end and I feel that somebody should recognize them that's the reason why I put this review together thank you again guys really really appreciate it

Bracken Industries

Though I ended up not getting a loan from them, they were more than helpful. I initially spoke to Ingrid almost 2 years ago and she told me what I needed to do in order to get to a position to buy a house. After a lot of hard work and dedication, I made it to that position and surpassed her wishes. Unfortunately, we did not end up using this company. We toured a new home development and fell in love with a new construction where we were offered an extremely competitive rate since it was financed through the developer, and a large closing cost assistance and we could not say no. Ingrid and Jon were happy to review our CTC and loan documents to see if that was something they could beat and unfortunately they could not, but they informed me the deal I got was fantastic and they wished me the best of luck. They were not upset or anything I did not go through them, instead they were still very helpful. I will try to come back to them when I am looking to refinance. Thank you! Bradley B

Mark Hall

I started working with Jon and his team a couple years ago and they have been nothing but phenomenal the entire time. We were finally able to finalize a loan on an investment property and they made the entire process as smooth as possible. They are very responsive and always recommend the best services out there and go out of their way to provide what’s best for their clients. Best of all they are always looking for ways to give back to the local Tampa community. Exceptional customer service and highly recommended!

Terry Tavrell

Jon Howard , and his team, truly changed my life with the recent refinance of my home. He took a large amount of time explaining how this would benefit me and how the process would work. After agreeing with his information, the whole process was turned over to Joni, who to say the least, was exceptional. She explained all the documents and processing in detail which gave me a very comfortable feeling the whole time. I can't imagine how any other company could exceed this one for great rates and smooth, timely processing. Thanks again to Jon and all his team for all the time and attention to detail you gave to me.

Kevin Washington

Wow, I've been through the home loan and refinancing process a few times previously and this was by far the easiest and fastest process I've had. I couldn't believe the service from the moment I applied on The Home Loan Expert website. The entire team went to work, communication between the team members and my wife and I was exceptional. I was also very surprised to get a call from John to discuss my loan expectations and needs. John and his team made my VA refinance a great experience, if you need a great team working for you, call John Howard-The Home Loan Expert!! They deliver on their customer service promise!

Priscilla Adams

While the Tampa Home Loan Expert's stellar reviews speak for themselves, I think that I can offer other potential home buyers a unique perspective about working with this amazing team. I would imagine that most of Tampa Home Loan Expert's clients are generally excited to be purchasing a home -- a great achievement, and one that often represents the start of an exciting new chapter. However, I was not one of these clients. Just a few months ago, I had to suddenly uproot my life and sell my home so that I could move over 200 miles away to be closer to family after my father-in-law passed away. After moving to the Tampa Bay area, I entered a less-than-ideal rental situation while trying to grieve and eventually, buy a new home in the area. As you could imagine, purchasing a new home was not a happy or exciting thing for me, given these circumstances. While there are many great things that I can say about this team's expert knowledge, their problem solving abilities, and their professionalism, the absolute best thing about this team is their compassion. They understood that this process was exceptionally difficult for me, the person -- not just me, the home buyer. With all of my emails and phone calls full of questions and anxieties, never once did this team make me feel like I was bothering them. In this regard, I have to give a special thank you to Tim and Joni. With them on my side, I had complete faith that whatever obstacles came up during the loan approval process would be quickly identified and addressed. They went over and beyond to reassure me that we would reach the finish line eventually. I'm now two days away from closing and we are officially "clear to close". While my family is still healing from our loss, we are finally starting to look forward to our new home, our new chapter, and whatever comes next. I could not have done this with a different home loan team. Thank you, thank you, thank you!!

Juan Castellanos

Couldn't recommend Jon's team more. They made the process of buying our first house as seamless as possible. Everyone on this team I worked with from Joni, Joel, Christine to Jon himself were super helpful and educative throughout the whole process. They also went above and beyond when it came to ensuring I would be getting the best rate on my loan and were significantly better than the other lenders I spoke to in this regard. You can tell this team really values customer service. I look forward to working with this team again in the future.

Okie Tilo

I was up against a sudden home buying deadline, and was in contact with two other mortgage lenders, but nothing was working out in my favor (inconsistent income in 2020, newly self-employed, etc). A very close friend of mine recommended Jon Howard's company and team to me, but for whatever reason, I just never reached out to them. Lo and behold, I received a phone call from Jon at the right very moment. I had received another "no" from a third lender and my window to purchase was running out. Jon was very reassuring, calming but confident, and prompt in not only answering questions but having his team of rockstars work on my application. At the end of it all, Jon, Christine, Joni and the rest of his team made magic happen and helped me get approved. I'm not leaving them a perfect 5-star rating just because they were the lending company that got me approved. Even if I lost the deal, I would still give them 5-stars because of their friendliness and warmth, promptness, attention to detail, and professionalism. They truly made one of the most stressful situations less taxing, and I am beyond grateful to have had the pleasure to work with them.

Andrew C

Jon and his amazing team (Chistine, Joni, Ingrid & Joel) were truly a blessing to work with. They were extremely knowledgeable, helpful and professional. They procured us a competitive rate and closed our VA Loan in record time in a very challenging real estate market. Their smartphone App and weekly updates kept us, our Agent and the Closing Company apprised every step of way. If you are looking for a passionate Loan Team look no further.

jeffery yeagle

Jon and his entire team did an amazing job making my new home purchase stress free. The process started with Jon and his team putting together a pre-approval of our loan in less than 12 hours on a Saturday. I don't think there are any other lenders that would provide that kind of customer service. That level of service continued every day until we went to closing. They also got us a great rate on our mortgage.

Jahmal Nicholas

Jon Howard and his team are amazing. Hard working and talented and always looking out for their clients. Military/Veterans approved.

Spudman Chu

It was an absolute pleasure to work with Jon and his team. They were able to beat out rates at a CU I've been with for over 10 years and a bank I actually work for. The market right now in FL is insane, but with Jon and his team's guidance, my wife and I were able to close on the perfect property. Being new home buyers, we understood very little about the entire process, but Jon and team made is so simplified for us that even we could understand everything from going under contract to securing the loan we needed. We cannot be thankful enough for all of the support The Home Loan Expert has and still is giving us! A+++ Highly recommended We will be contacting Jon for our next property as well Joseph

Bryan Hamer

Jon & his team did an incredible job getting our loan approved! They were very professional and always answered any questions that came across our minds. Jon is able to get the best rates and definitely had his hands full as I am a 1099 rather than W2 employee. If you're looking for a smooth process, I highly recommend Jon Howard and The Home Loan Expert team for all of your home loan needs or cash out refinances!

craig conlyn

Jon, Joni and Christine made my cash-out refinance easy and enjoyable. They are very professional and amazing to work with, always keeping you informed and willing to help when necessary. I would recommend The Home Loan Expert team to any of my friends or family who are looking to refinance.

Joshua Boulware

Jon has always done a phenomenal job of helping my clients with their mortgages. While mortgage lenders are a dime a dozen, the truly great ones are exceedingly rare. Jon is one of the great ones. He earned my trust early on by always being open about when his company wasn’t the best fit. His willingness to turn down business for the best interest of the client has allowed us to partner together on numerous loans. If you’re looking for a new home or a refinance, look no further. Jon is as trustworthy and professional as they come. He will make sure you’re put in the best situation, even if that’s not with him. His team also does an incredible job of keeping you up to date throughout the process and making things as smooth as possible. A sincere thank you to Jon for all of the help you’ve given my clients.

FL JEN

If you need a mortgage or a refinance, Jon Howard at the Home Loan Expert is your guy. I applied for my loan 1/21 and closed today. The process was incredibly easy. John's team was excellent and went above and beyond to make the loan process painless. Jon, thanks again to you and your team for everything!

David Bozzone

Jon and his team did an excellent job in helping me with my cash-out refinance loan. They are very professional, informative, quick to respond and friendly. They made me feel just as important as every other client they have. I spent most of the process dealing with Joni and she did an amazing job in helping me along the way. Another great team here in Champa Bay!

Matt Schiavone

I hate Jon Howard. I hate him when it comes to Fantasy Baseball. I consider him my nemesis—in Fantasy Baseball. I’m convinced his back to back championships are fake news and there needs to be an investigation into his team. It was rigged because there is no way he’s this good. Which is why it pains me to say that when it comes to mortgages and helping you get your home, Jon Howard knows what he’s doing. Let’s rewind. Our fantasy season had concluded. I messaged him to congratulate him (begrudgingly) on his back to back championship season (whatever). That’s when I told him about how my wife and I were buying a home in New Jersey and then we got to talking. I asked him to take a look at my lender’s agreement because we had some concerns. He agreed and I sent it to over to him and he called me immediately. Told me I wasn’t getting a fair shake and he could find me a better deal. I told him we closed in 20 days and he assured me not to panic—that a deal could get done. He got me in contact with a local lending company and, sure enough, I got a better a deal and we were able to close on time. I was able to save on my monthly payments while even managing to save some extra cash in the bank. I owe it all to Jon. He didn’t have to help me. I live in New Jersey. He’s all the way in Florida. He wasn’t making a dime on this. He did it because he genuinely cares and he’s that kind of a person to go out of his way to get the right deal for people. Listen, anyone can do the job and get you a mortage, but with Jon it’s more than that. He’s a good person who wants to do what’s right by people. In my book, that goes a very long way and it’s that type of person I’d rather be doing business with. My only regret is that I couldn’t directly do business with him. So like I said, I hate Jon Howard, but man did I love his help. You suck, Jon but I love you.

Justin Morrison

Jon and his team were everything we could’ve hoped for in a partner when we purchased our new home. Responsive, knowledgeable and professional. Jon and team answered every question we had during the loan process and made our first home purchase stress free. Communication was clear from initial conversation to closing. I look forward to continuing the relationship as we progress in our new home. Thanks again for everything.

Jason Olbina

We recently got a cash out refinance on our home with the Home Loan Expert. Was relatively complex because of scheduling appraisals, insurance dropping us, and we were bundling our solar panel Loan into the mortgage. Ingrid did an amazing job getting us over the line. Her and her team dealt with all of the third party people involved, got us a great rate, and even made our monthly payment go down pretty significantly! Very happy with my experience!

David Bedore

This was our second time refinancing with Jon and I can’t recommend he and his team enough. Jon found us the best possible rate, made everything easy to upload via the app/email and continuously communicated where we were in the process. The closing was as quick and painless as you could hope for. I would recommend Jon to anyone looking to buy a home or refinance the home they are in.

James Fowler

Jon and his Team were a pleasure to work with. I talked to a bunch of other companies, and they put me in the first mortgage they had. Jon listened to me and what I wanted to accomplish by refinancing. He was able to put me into a great mortgage and paid off my high interest credit cards and I am paying less per month on my payment. I would highly recommend Jon and his team Tommi Fowler

taylor Schaberg

There’s not enough words to explain Jon communication skills, due diligence, and experience for a previous closing with my buyer. Jon goes well above and beyond for his clients and agents, and we are super grateful! Thank you Jon

Daniel Christmann

Jon and his team were amazing to work with. The home loan process is complicated, and I appreciate that any time I needed to talk through something, a member of his team would quickly answer my questions. I also loved the loan app his team is equipped with, which made the process of submitting documentation quick and painless. Highly recommend!

Jill Anderson

Jon and his team are absolutely incredible. They are truly experts in their field and will be transparent and responsive. They will ensure that you are well represented in the process of your real estate transaction. Jon and his team worked closely with our realtor to ensure that we had a home to move into (within our budget) when we moved to Florida in an extremely tough market.

Fabio Solis

I was referred to Jon by my friend and broker a few weeks back. I couldn’t be happier to partner with him. Jon and his team assisted me with the entire loan process, the communication was amazing, his team is very proactive, responded all my questions and suggested the right options for my needs. Definitely I recommend Jon and his team if you need a loan expert.

Dave H

Jon and his team really are the Home Loan Experts! We had a great experience. We did both a Refi and a new purchase with Jon recently, and we did another purchase in 2019. There's a reason we keep coming back...they are excellent! You will not be disappointed when you choose Jon and his team.

Tara Webster

As a Realtor, having great communication with the lender is a key to a smooth closing. This team bent over backwards to get an FHA loan with 2 appriasals closed in 30 days. They did amazing work and I highly recommend them.

James Wiedrich

We wanted to take advantage of today's low rates so we decided to refinance our condo, we were looking for someone professional that wouldn't give us the here it is, take it or leave it approach like the large commercial firms, we were with one of those and won't go there again because that is exactly what our current firm did. So we shopped 3 local firms in our area and made the decision to go with The Home Loan Experts. The name of the company is a good description of our overall experience with them. Extremely communicative, eager to meet our needs and exceeded our expectations around every corner. They tailored the end product exactly to our needs, the team was awesome to work with even after the closing they were there when we had follow-up questions or requests. Can't say enough other than, we have found our mortgage company moving forward, no need to look any further. Jim and Amy Wiedrich

Amber Armbruster

Jon and his team were amazing to work with. Very professional and responsive! They are very knowledgeable about VA loans and close quickly with the best rates. I would highly recommend them for any of your mortgage needs.

Michael Strouse

The whole team was amazing! Jon, Joni, Joel, Christine, and Ingrid made me refinance a joy throughout. I would recommend The Home Loan Expert team to any of my friends or family who are looking to refinance and improve their financial status.

Chuck Leonard

Great experience with our Refinance through Jon Howard. Jon was very engaged in the process and his team kept in constant contact from start to finish, I never found myself needing to reach out for updates as they would beat me to the punch! Very seamless process that has us close in about 3 weeks. I would highly recommend Jon Howard and his team

Dominique Anderson

Jon Howard and his team were fantastic to work with throughout the entire loan approval process. In fact, I closed on two homes with Jon and his team and would recommend his all day long. You are in excellent care with these folks. Sincerely, Dominique

Steve Benz

Top Notch! Jon Howard and his team make the home buying and refinance process easier to navigate. Thank you for helping us.

andy Manchigiah

Phenomenal attention to detail and responsiveness to our complex home closing needs. From initiation of loan through final signatures, Jon and his team of experts were engaged and helpful! He will work for the best rates and loan conditions while offering some advice along the way. It is my 5th home loan and this was clearly the most complex but Jon and team made it a relatively effortless event. If I could give an extra star I would.

Amanda Steffes

We hit the jackpot when we were introduced to Jon and his team! From the start of the process through the closing, they were responsive, easy to communicate with and fast! We used a VA loan and they were extremely knowledgeable of the process and processed the loan with ease in less than a month. Would HIGHLY recommend.

Nick Saunders

Jon was incredible throughout the entire home buying experience. As first time homebuyers Jon helped us navigate the loan process and worked seamlessly with our realtor. Every time we had a question he quickly had an answer and was a true professional. I highly recommend him to anyone looking to buy real estate in the Tampa Bay area. Thanks Jon!

Ken S

We cannot THANK Jon Howard and his team Irene, Sarah and Dan enough for all of their help in securing our home loan. Our original lender was unable to move our loan forward, without an explanation, less than 3 weeks before closing (they had 6 months to let us know since it was a new build). Our realtor Mike Grizzell sent our name to Jon to see if he could help us. He didn’t just helped us, he rescued us. We were strapped for time because we had already given 30 days notice to our apartment. Jon and his team worked tirelessly to get our loan closed on our original closing date. To call that a miracle is an understatement. We are so grateful for everything Jon has done for us and for his kindness, understanding, professionalism and his responsiveness. We highly recommend him! Jon is definitely the home loan expert!! Thank you again, Kim and Hung

Tonya Davis

The Team at Home Loan Expert was amazing to work with. As a 1st time Home buyer I had so many questions and they were readily available to answer them. Jon, along with his Team got me through the process very quickly. Thank you Home Loan Expert, I'll be utilizing your services in the future.

Hannah

*Wonderful* Team. As a first time home buyer utilizing the VA Loan I found myself in good hands. I was with a different lender previously and when I reached out, I found I wasn't offered the best rate and had been given completely incorrect information about some of the fees and what my options were. When my previous lender took full advantage of my inexperience, The Home Loan Expert team proved to be INCREDIBLE. I'm lucky I called and when comparing to my previous 'highly recommended' lender, their entire team worked quickly and efficiently. They gave me options, a better deal, and helped me along the way. If you are unsure if you're getting the best deal, I suggest you try this team out. If there's a way, they're going to find it for you. They took care of me. I'm so beyond grateful for their service and assistance! If I find myself in the market for a home purchase again, I will be seeking the assistance of The Home Loan Expert. THANK YOU, Jon, Christine, Joni and the rest of the team that moved my dream along.

Susan Hagan

Jon is simply the best in the business. From start to finish it is a true pleasure to work with such a professional and friendly mortgage broker. Best rates on the market and best service. I would recommend him to not only my family but also all my friends/co-workers/neighbors. You are in great hands with Jon! Susan T.

kirk123443231

I have now worked with Jon on my first mortgage and first refinance. Through both experiences, he has gone above and beyond the call of duty to make sure I received the best rates and what worked best for me. His thoroughness to details, organization and willingness to clearly articulate out the steps/documents needed to go through the process made the entire process as easy as I could imagine. I couldn’t recommend him more!

Lynnette Lo Bianco

Jon and his team were wonderful to work with and very efficient. Everyone was super quick to respond and were available to answer all of my questions. I would definitely recommend them to anyone looking to refinance or for a new mortgage.

marti whittle

I had a real estate transaction that become complicated due to an unforeseen tropical storm. I dealt with two other mortgage companies that I wasn’t satisfied with and then I had Jonathan Howard recommended to me. I contacted Christine and explained my situation. She walked me through and how to best handle my unique situation and after applying it was turned over to Joni for processing. Joni had a weekly update on the mortgage process that involved myself, my realtor, and the closing agent. This kept everyone on the same page. My purchase contract had several deadlines that had to be met and presented a real challenge. I’m not sure that another mortgage company would of came through for me. On top of that my closing costs were substantially less than the other companies estimates. I would highly recommend anyone looking for a mortgage to contact them. Once again I thank Christine and Joni for their professionalism in handling my mortgage

Julia Huerta

I cannot speak enough good things about Christine with The Home Loan Expert, and Jon Howard. They made the process seamless for this first time home buyer, and were with me every step of the way. I never felt alone in this process, and always knew what the next steps were. They were always quick to respond, and were patient enough to explain things to me and answer all my questions. I would recommend for anyone to use them for the home buying process.

Susan Williams

I have had the pleasure of working with Jon and his team on numerous real estate transactions. I can always count on them for quick responses, great communication, and attention to detail. They are great at problem solving and getting the job done on time! I will continue to recommend them to to anyone who is in need of their services. They are simply the BEST!

Cindy Hathaway

Jon and his team was referred to us, and they were very efficient in every aspect of our loan process, We have done several home purchases over the last 30years, and I can say without any questions that this team provided us with the most efficient service we have ever had. The fastest closing ever! I am a very happy customer,

W LEE Capps

I hadn't used Jon's firm in the past nor his services. I had received a strong recommendation for someone I trusted so we gave it a whirl. I was not disappointed with Jon's performance and assistance in the process. He was knowledgeable and professional in his approach and provided additional assistance and guideance when needed. I would definitely use his services again.

Christina Quintero

Jon and his team at The Home Loan Expert were fantastic! Responsive, organized, easy to work with and provided amazing customer service throughout our entire refinance. I would recommend them to anyone looking for a loan.

Hayden Curry

Jon and his team are the best in the business! Their work ethic and dedication to each client is unparalleled. They will always find a way, no matter the obstacle. As an insurance agent, I work quite frequently with the team at The Home Loan Expert. They are more detailed and make my job easier than anyone I work with. Highly recommend!

Saajan Panikar

I was referred to the Home Loan Expert by a friend and I cannot adequately express how positive of an experience it was. Joni, Jon, Joel, Christine, and Ingrid are a phenomenal team and were never more than a quick email or phone call away. Highly recommend working with them and I plan on coming back in the future should the circumstances arise.

Eric Duda

Jon and his team were first class. They were able to close on my home mortgage refinance in less than three weeks. Great rate, smooth closing, minimum items needed from me and extremely responsive. Would highly recommend them to anyone.

James Elliott

When I called John Howard himself answered the phone. I was placed with Joel and Joni who were extremely helpful. This was the smoothest closing I have ever done. I highly recommend John Howard. He is truly a Champion for First Responders and Military.

Dan Wesley Howell

Jon and his team made buying a house in this crazy market a breeze! He especially helped smooth things over with the sellers who had not had much exposure to a VA Loan before. This greatly helped us out and we appreciate all his efforts in getting us into the home we love!

Anamaria Basaraba

I'm Jon's repeat customer and he never failed to listen, advice and guide along with his team of true professionals. They are well organized and very responsive, they keep documents in check for a streamlined application. I will not hesitate to recommend Jon and his team to family and friends. Thank you!

Jack C130

The home loan expert team helped us buy our first home!! They made our home buying experience so great and answered all of our questions (and we had sooooo many questions!) Tim was always there to help us at any time and always made us feel comfortable with asking any questions we had. We honestly didn’t know much about the home buying process and are so thankful that we had Tim P. on our side to help us. Thank you so much guys for everything and for continuing to be there for us even after we bought our house! If anyone is looking to buy a home, I would DEFINITELY recommend using the home loan expert team! -Nicole C. and Jack O.

Casey Siggins

Jon and his team were outstanding to work with. They got us a great loan, were super responsive, and made us feel very comfortable with the whole process. I would certainly recommend him to any first-time homebuyer!

Jane Gerrity

Jon and his team did an amazing job on our refi. We got a great rate and exemplary service. They always provided quick response to all our questions. Our son and daughter in law used them 3 years ago as first time buyers and had an equally smooth transaction. A pleasure to work with!!!

Rachel Perez

Jon Howard and his whole team at The Home Loan Expert were amazing!!! Jon truly cares for his clients and helped my customer achieve their goal of lower rate and lower payments on their mortgage. With the appraisal waiver, we closed 2 weeks and 2 days from application! AMAZING RESULTS! Happy customers are a WIN-WIN for all! Don't hesitate to call Jon at the Home Loan Expert for all your loan needs!

Samantha Holcombe

Jon and his team were incredible! We switched to them after a subpar experience with another lender and are so glad we did. They secured us a great rate and we’re incredibly communicative throughout the entire process. Highly recommend!

Gavin Smith

John Howard and his team made the home buying process extremly simple. Everyone I spoke with was very professional, and I would recommend The Home Loan Expert to anyone that is looking to finance a house.

Dan Rydelek

I was extremely impressed by Jon and his team! They were extremely professional, knowledgeable, responsive and a pleasure to work with. I would highly recommend them to anyone looking for a qualified mortgage lender.

Laurel Tesmer

Jonathan Howard just helped us refinance our mortgage and saved us a substantial amount of money each month due to a reduced interest rate. Even though we didn't do a cash out refinance, we still ended up receiving thousands back from various savings strategies he implemented. Johnathan worked with us for months to find the exact right time to lock in the perfect rate. He had our bests interest at the top of his mind throughout the whole transaction, at times even delaying his own compensation because the rates were not great for us! That is truly amazing and I feel 100% that we got the best interest rate and best service possible. I would refer Jonathan to all of my friends and family without hesitation.

Joanna Weiss

The Home Loan Experts and Jon Howard and his team were amazing. They closed a loan in 8 days and had it not been for the disclosure requirements could have done it in 5. They were timely, responsive incredibly diligent, went to bat for us in a crazy situation and couldn’t have been nicer about it! I can’t recommend them enough! On top of it we got a great rate!

Angie Piche

Jon, Ingrid, Joni and Christine have been so helpful in closing transactions. I appreciate the attentiveness and professionalism they show with every transaction- big or small. I trust them to take care of my clients and never hesitate to recommend them. Very satisfied!

Ashley Fehlman

Jon and Joni were amazing to work with. They helped make our home buying experience very easy and stress-less. I would highly recommend them for your mortgage needs!

Chris N

My wife and I worked with Jon on both our home purchase and refinance. Jon is the best in the business and treats his clients as if they were family. There is no other person we would use for our home loan needs and would recommend Jon to our family and friends.

Marc Massella

I didn’t know refinancing could be this easy. They also found out my ID was stolen at a bank and was hurting my credit score. After I filed a claim they took it from there and they had my credit cleared in less than 2 weeks. Even with that it only took just over a month to refinance. I would highly recommend them. They have a great team just like all the pro sports teams in our area.

Robert Schmidt

Wow! A loan company that actually closed in a month. I was impressed by the entire team and especially Jon as the team met weekly to track my loan application package. Closed in 28 days.

Arsen Sahakyan

Jon is a real professional. As a first time home buyer I received a lot of advise and assistance from him. His knowledge, experience and professionalism made my loan approval very smooth.

Bob Brumm

Jon and his team offer excellent loan processing services. Get's things done quickly efficiently and the team keeps you updated of all status's. A pleasure to work with Jon and the Home Loan Experts.

Tiffany Quinlan

We worked with Jonathan on the purchase of our first home. A year later we ran into an issue with the lender, and we reached out to Jonathan and he jumped right into helping us get that situated. He was even able to help us refinance at a much lower rate. I have all of the confidence in the world with Jonathan. He is professional, easy to reach and quick with results that you will be happy with.

Kendra Lauer

Jon and his company assisted us as first time home buyers in the VA loan process. They answered all our questions and were very communicative. It was a smooth process and we were pleased with the rate we got on our loan!

MballFPV

Jon and his team are the best. They got me a great loan and were very easy to communicate with. They kept me informed throughout the process and always tried to go above and beyond. I would recommend them to anyone!

Dennis Proctor Jr

I honestly can’t say enough about Jon Howard and his team, Home Loan Experts is not an exaggeration!! The level of knowledge, communication, and customer service provided through every step of the process is unmatched anywhere in the industry. There is no better feeling for a real estate agent than KNOWING my clients are going to get that clear to close! Keep up the phenomenal work!!

kevin scribner

I can’t say enough great things about John and his stellar team. They saved me over 2k in closing costs versus one of the large lending companies. John made the process so much more streamlined and easy to follow. I have recommended John several times and have been thanked by doing so. I highly recommend John!!

john rossman

One stop shop! Jon and his team are top notch professionals that secured an unbelievable low interest rate for me. From application to close, Jon's team kept me apprised of each step in my 30 days to close deal! Jon is a very personal, proficient, professional and I highly recommend Jon and his 5 🌟 🌟 🌟 🌟 🌟 operation.

Jordan Augier

To put it simply, Jon makes process of locking in a mortgage very easy. Extremely knowledgeable and always willing to provide you with the best possible outcome. I have recommended him to anyone I know and will continue to do so. AND you can’t beat his rates!

Mike Marciano

Jon and his team are great. Very diligent workers and always available for questions. They have the foresight and experience to navigate any loan process. You shouldn’t consider anyone else to do your loans. Truly a great experience.

Ben Lopez

The Home Loan Expert team really helped us a ton with our mortgage! Someone was there every step to explain the process and the turnaround was so fast! We really appreciate them!

Brian Dell

The Howard team made the process very simple and easy. Submitting the original paperwork, answering questions, clarifying the closing fees, and working through the appraisal all were dealt with in a professional manner. The process only took about a month!

Aaron johns

We were first time home buyers and Jon and his team helped make the experience stress free. They were there for every question and help with guiding advice to get us a great rate on our amazing forever home.

Amber Meadows

He was on top of everything. He did great keeping in touch and keeping us updated on everything and worked so hard to keep us on schedule to successfully close our 30 day close! Thanks for the help with our VA loan. 10/10 recommend!

Jamie Skiba

Great service! We were able to close in less than 30 days right before the end of the year. Thanks to Jon and the team my husband and I were able to move into our new home for the new year!

Larry Davis

John has helped a couple members of my family. With my daughter, he suggested she stayed with the plan she had because they were offering a great deal. So it is good to check with Jon to make sure you are getting the best possible deal.

Dana Thompson

Jonathan was so great to work with. He went above and beyond to help me find the right loan at the best interest rates. He was able to lock an investment loan with an interest rate under 3%. Very friendly and easy to work with.

Shelly Valdez

John does a great job of communicating and making sure all goes smoothly with the loan process. He also cares a great deal about his clients and their needs! Highly recommend!

Julez

If you need an honest, reliable mortgage broker who will do everything in his power to get you and your family approved for your dream home, Jon is definitely the guy! He is caring and extremely personable, 5 stars all the way!

Alexis Campos

Fantastic service! They were always ready to answer all of my questions (and I had tons!) and got back to me very quickly. The process moved along smoothly, without hiccups, and we were done with our refinance in way less time than I imagined. I would highly recommend their services.

Dana Janney

Jon, Joni and Christine worked their butts off to get me the best rate. Admittedly, I needed a lot of hand holding and they were very patient with me. Thanks team!

Monte Gibbs

Jon and his team are amazing! I got a much lower rate than i was quoted anywhere else. He and his team were so helpful and always a pleasure to talk to. GOAT of Home Loans

Tommy Maier

Jon and his team were amazing through out my pre-approval processes. His team is extremely knowledgeable, helpful, and responsive.

Piper Palazzolo

Jon and his team are the best in the business. I can’t believe how fast they close VA loans especially! Highly recommend them!

Jordan Edwards

Working with Jon Howard has been an absolute pleasure. Very accommodating and makes the process of lending simple and easy! Must work with him and his rockstar team!

Dan Brainard

Excellent service and process. Started and closed refinance loan in under 30 days with no hassle. The loan app they have is a handy tool to communicate , compete loan tasks, and submit docs easily from anywhere. Highly recommend.

shanna schell

I cannot think Jonathan and his team enough for helping me with my first home loan. They are amazing! Would highly recommend!

Morgan Williams

Jon was incredible to work with. Was very responsive and informative, and helped to tailor things to what I specifically needed. Would highly recommend to anyone!

Steve Lee

We had a great experience. Everything was done electronically. Closed on time. The staff were extremely helpful, knowledgeable and responsive. Great communication throughout the entire process. I would definitely recommend.

Cory Sides

Jon and his team were great to work with. They are easy to talk with and get a hold of. Very responsive. Thanks again.

Susan Colarco

Jon and his team made the process of buying a home as painless as can be. I highly recommend using The Home Loan Expert!

Stanely Richard

Not only did we get a great rate, the Lender Fees were extremely low by comparison AND the service was great! Loved the entire team.

Ryan Wojtowicz

Jonathan F. Howard is the Michael Jordan of the mortgage biz. When you have a chance to work with the GOAT, why go with anyone else?

Jesse Blackstock

The team at The Home Loan Expert are bar none the best in the business. Their attention to detail and industry knowledge is superb.

Roy Peer

Would highly recommend! Jon and his team are diligent, attentive and super responsive whether via text, email, or phone.

David Walsh

Jon, Ingrid, Joni, and the rest of the team made buying and closing on my first home easy, quick, and manageable.

Stuart Whitten

Very Helpful on my cash out refi. transparent and less than 30 days. Thanks

Lisa See

Jon was great to work with and found us a great rate!

Jason Odom

John and his team are fantastic! Hard working and driven to excellence

Peter Huennerkopf

Simply a marvelous team of over-achievers - treat you like family!

Matt Megyeri

Great people and even better rates!

Rob Marshall

I've never had a better experience getting a loan.

#1 stunna

Great loan and very responsive

Jared Darren

(Translation) One of the most professional experiences with a company. Ingrid helped a lot and made me understand everything in my language. Thank you for helping Latinos (Original) Uno de las experiencias más profesionales con una compañía. Ingrid ayudó mucho y me hizo entender todo en mi idioma. Gracias por ayudar a los latinos

Tina Raymond

Patrick Maloney

Barrett Pazderka

Savannah Lopez

Austin Powell

Octavio Tobar

Nicholas Tantsits

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