Orange County Lender, the Howe Team, wants to understand your goals and needs for mortgage financing, thereby, providing you the right mortgage advice whether you are purchasing or refinancing your residence, rental property or vacation home. If you are looking for trust, peace of mind with expert advice and the right loan, look no further!
With 24 years of mortgage experience, over 1,500 closed loans and $166,000,000 of mortgages under current management, Bob and his team will make the process go smoothly, timely and at the same time keep you educated and updated from start to an on time closing.I will carefully listen to you during our value added meeting. During this process we will discuss your financial goals and needs and determine how we are going to achieve them.
This first step ensures that I can align your present financial situation and future goals with the best mortgage solution that meets those needs. My team and I will work on your behalf to close the loan as quickly as possible to meet your timeline and get you the best rate with the right loan product that meets your monthly payment, cash flow need and equity needs.
With 24 years of mortgage experience, over 1,500 closed loans and $166,000,000 of mortgages under current management, Bob and his team will make the process go smoothly, timely and at the same time keep you educated and updated from start to an on time closing.I will carefully listen to you during our value added meeting. During this process we will discuss your financial goals and needs and determine how we are going to achieve them.
This first step ensures that I can align your present financial situation and future goals with the best mortgage solution that meets those needs. My team and I will work on your behalf to close the loan as quickly as possible to meet your timeline and get you the best rate with the right loan product that meets your monthly payment, cash flow need and equity needs.
Services
After graduating from UCLA and getting his MBA from Cal State University Long Beach, Bob began his real estate career over 30 years ago.
Bob began working for a residential homebuilder in Orange County where he focused on the financial and marketing side of the business.
After gaining extensive financial experience in new home development, Bob brought his years of experience to the home mortgage business, which has become his true life passion for the past 24 years.
Over his mortgage career he has closed virtually every kind of loan for his clients - home purchases, refinances, investment (rental), vacation homes and construction loans.
Bob began working for a residential homebuilder in Orange County where he focused on the financial and marketing side of the business.
After gaining extensive financial experience in new home development, Bob brought his years of experience to the home mortgage business, which has become his true life passion for the past 24 years.
Over his mortgage career he has closed virtually every kind of loan for his clients - home purchases, refinances, investment (rental), vacation homes and construction loans.
When you put your trust in Bob and his team you are getting over 40 years of combined mortgage experience with the Howe Team.
Bob alone has 24 years of mortgage loan experience and he is currently "managing loans" for over 400 satisfied clients which totals over $164,000,000 of loans under his management.
You will always have the best loan because Bob will keep you on his "Rate Watch" program that alerts him when the market is right for you to lower your rate and payments.
His client satisfaction is excellent.
Bob alone has 24 years of mortgage loan experience and he is currently "managing loans" for over 400 satisfied clients which totals over $164,000,000 of loans under his management.
You will always have the best loan because Bob will keep you on his "Rate Watch" program that alerts him when the market is right for you to lower your rate and payments.
His client satisfaction is excellent.
Bob, Katie and Whitney were great to work with.
They were so responsive to all of our needs and questions.
They moved our mortgage forward efficiently and proactively and clearly knew everything that needed to be done.
Although they have many years of experience, they understood that this was our first home purchase and were sensitive to the stress we experienced.
This was our first home purchase, but even the veteran realtors involved remarked on how great it was to work with the Howe Team.
I highly recommend using them.
They were so responsive to all of our needs and questions.
They moved our mortgage forward efficiently and proactively and clearly knew everything that needed to be done.
Although they have many years of experience, they understood that this was our first home purchase and were sensitive to the stress we experienced.
This was our first home purchase, but even the veteran realtors involved remarked on how great it was to work with the Howe Team.
I highly recommend using them.
This section, using real life examples, details how Mortgage Coach, my unique mortgage solution software, separates me from the rest of the mortgage industry by providing information to clients that other mortgage lenders don't think to offer, thereby, helping my clients make more informed decisions about the financing options available to them.
Mortgage Coach reports are included (requires Adobe Reader).
A client doesn't know what mortgage rate/cost structure is the most beneficial for their situation.
Mortgage Coach reports are included (requires Adobe Reader).
A client doesn't know what mortgage rate/cost structure is the most beneficial for their situation.
Never close a credit card.
I have found that clients who have a long on time payment history with their credit cards get higher credit scores.
Higher the score the better.
Do not skip your mortgage payment.
A 30 day late on your mortgage, whether it is on your home or another property you own, will immediately lower your credit score by a substantial amount.
Be vigilant about paying that mortgage on time!
Let us know if you are planning to be away during the loan process.
Our team needs to know if you will be "out of reach" during the loan process.
I have found that clients who have a long on time payment history with their credit cards get higher credit scores.
Higher the score the better.
Do not skip your mortgage payment.
A 30 day late on your mortgage, whether it is on your home or another property you own, will immediately lower your credit score by a substantial amount.
Be vigilant about paying that mortgage on time!
Let us know if you are planning to be away during the loan process.
Our team needs to know if you will be "out of reach" during the loan process.
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