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Good Day and Hello! I am Timothy Howard,
a mortgage veteran of 15 years in the business and helping over 1400 families to either Build, Buy or Refi. Nevertheless, In a world of online experts and push-button mortgages, I believe the human connection still matters.
I believe there is never a one-size-fits-all solution when it comes to making one of the biggest financial commitments of your life. As your mortgage adviser, I am constantly expanding my knowledge and staying current on the latest mortgage and real estate trends so that I can offer you smart loan options. My team and I will listen so we can provide you with individualized mortgage solutions, based on your unique circumstances and goals.

I pledge to handle every facet of your transaction with professionalism, dedication and personalized care. It's my goal that you are 100% satisfied throughout the entire transaction.
When I'm not helping people realize their dreams, I love to Hike, Fish, Camp, Family time, Watch a good movie, Read and Helping families get into their Dream Home!

My motto is: A House is A Home with a Future In Mind!
Let's Get You into your NEW Home or Refinance. You will not regret it. CALL US AT 435-764-8709


It's close to midnight, the wife of 22 years and the remaining 4 children at home soundly asleep, the cat is on my son's bed sleeping seemingly to watch over him. The small drip of a leaky faucet in the kitchen...
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