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.


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
Steve is great to work with would recommend 10 out of 10
June 17, 2024
5 Star Rating
We had an outstanding experience with Steve Howard as our mortgage lender. He was incredibly knowledgeable, efficient, and provided excellent customer service throughout the entire process. His clear communication and dedication made securing a mortgage smooth and stress-free. We highly recommend Steve for anyone looking for a reliable and professional mortgage lender.
May 18, 2024
5 Star Rating
Everyone was conscientious about getting information to me quickly, and everyone was ready with help when I needed it. The entire experience was totally professional.
May 01, 2024
5 Star Rating
Great communication and straightforward on the loan.
April 28, 2024
5 Star Rating
Steve was great to work with through the whole process. Made it as easy and painless as possible!
April 23, 2024
4 Star Rating
We worked with Crystal Smith. She was amazto work with on purchasing both of our homes.
April 20, 2024
5 Star Rating
Steve is highly organized and communicates clearly and often
April 19, 2024
5 Star Rating
very convenient love the email updates regarding status of loan process
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.
March 31, 2024
5 Star Rating
Best mortgage service I’ve received in the four houses I’ve purchased.
March 31, 2024