Steve Howard

To all his past and present clients Steve Howard is known as the go to guyfor mortgages. But don’t take our word for it, check out the hundreds of reviews and stories that they’ve posted for him online.

Online Recommendations

With 25 years of mortgage experience, he has seen it all. His love for the mortgage business started back in 1993. Steve discovered that he had four key attributes that would make the mortgage industry his calling:

He always excelled in math in school.
He has a finance and accounting background.
A work ethic that his father instilled in him.
Most importantly he simply loves to help people.

Whether it’s assisting a first-time borrower achieve their dream of home ownership or creating a refinancing plan to help a client to become debt-free. Steve looks beyond the paper to imagine each client’s scenario as if it were his own.  

Steve and his team have done it all. He’s been a loan officer, operations manager, regional production manager and even owned his own company for many years. That vast experience allows him to navigate the obstacles that can pop up in the mortgage process and ensure a smooth transaction for his clients and their families.

Whatever the challenge, Steve gives 110%. This passion comes from his desire to insure his family is provided for. His family includes three daughters ages 3, 13, and 20, so Steve goodheartedly says that means “many trips to the mall, which is my least favorite place.” Instead, he’d rather be pursuing his favorite hobbies which include: golfing with friends, collecting classic cars, seeing movies with the kids, swimming, or going to weekend volleyball games.

You are in good hands when working with Steve Howard. 

steve howard family
 

Down Payment Assistance Programs from Guardian Mortgage

Guardian Mortgage is pleased to offer our customers several Down Payment Assistance options. Visit my portal to find the resources that are right for you.

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Awards & Achievements

President's Club Logo

2021, 2020, 2019, & 2023 Guardian's President's Club

top 1% mortgage originators 2017

My Customers Have Spoken:

5 Star Rating
very convenient love the email updates regarding status of loan process
Ronald
CT
April 01, 2024
5 Star Rating
Communication on every aspect. Honesty on what was possible. Best experience I've had on any loan process. Will call Steve on next one for sure.
Scott
WA
March 31, 2024
5 Star Rating
Best mortgage service I’ve received in the four houses I’ve purchased.
Mark
WA
March 31, 2024
5 Star Rating
Love the app to upload things and check in on what needs to be done.. great service and communication from the whole team.. seamless and friendly .. feeling happy to have a reliable honest mortgage service finally!
Nancy
WA
March 30, 2024
5 Star Rating
I have gone through Steve for all my home loans for the past 15 years and have always had a great experience. He walks you through every step of the way and keeps you informed at all times. I highly recommend him for your home loans/
Martha
AZ
March 27, 2024
5 Star Rating
Steve is punctual, knowledgeable and friendly. He is a true joy to work with. I plan to use him for any lending needs for as long as he is in the business.
Daniel
WA
March 19, 2024
5 Star Rating
Steve and his team were friendly, responsive and very competent. They communicate timely and often. A very pleasant experience overall. Thank you Steve and team!!
Tony
VA
March 13, 2024
5 Star Rating
Steve and his team are great to work with! I will be a client for life.
Noah
AZ
February 22, 2024
5 Star Rating
Thank you Steve for making this process go so smoothly. We really appreciate it!!!!
Timothy
AZ
February 01, 2024
5 Star Rating
Excellent service from Steve.
Cindy
AZ
February 01, 2024