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. 


 

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

My Customers Have Spoken:

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
5 Star Rating
Steve, Keeley and the entire team were extremely professional. He always provided updates and answered every question I had throughout the process. I felt very confident knowing that he was taking the time to find the best programs and help me make the best decisions.
Sara
AZ
January 31, 2024
5 Star Rating
Steve was very much on top of everything. Constantly keeping us updated on the process, very quick to respond when we had questions, and just an overall genuine and kind individual. He definitely cares about the people he works with and it shows very much in his demeanor and character.
Kristi
AZ
January 11, 2024
5 Star Rating
Steve kept us up to date on rates very often. He answered texts and phone calls as if I was his only customer. Thank you Steve, I look forward to working with you again in the future.
Brian
AZ
January 11, 2024
5 Star Rating
No hiccups, everything went very smooth
Kenneth
TX
January 11, 2024
5 Star Rating
I loved working with Steve Howard! I am very grateful for his help, guidance and knowledge shared. So excited and grateful to own my first home!!!
Juliana
NV
December 27, 2023
5 Star Rating
Steve was great to deal with. Loans in 2023 can be complicated and difficult. Steve hung in there with us and got the job done.
Konstantinos
AZ
December 21, 2023