Sr. Loan Officer & Reverse Mortgage Specialist
With over 20 years of experience in the mortgage industry, Tim Howard is a trusted Mortgage Loan Officer dedicated to helping clients navigate the home financing process with confidence and clarity. Tim has successfully guided first-time homebuyers, seasoned homeowners, veterans, and real estate investors through thousands of mortgage transactions. Licensed in Arkansas (AR), Colorado (CO), Florida (FL), Kansas (KS), Nebraska (NE), Texas (TX), and Tennessee (TN), Tim brings a broad, multi-state perspective and a strong understanding of diverse lending markets.
Known for his consultative approach, Tim takes the time to understand each client’s unique financial goals and delivers customized loan solutions tailored to their needs. From conventional and FHA loans to VA and refinance options, he combines deep product knowledge with a strong commitment to service.
Clients value Tim for his responsiveness, transparency, and ability to simplify complex lending decisions. By maintaining strong relationships with real estate professionals, underwriters, and closing teams, he ensures smooth, on-time closings and a stress-free experience from application to funding.
When you work with Tim Howard, you’re not just getting an experienced Mortgage Loan Officer, you’re gaining a trusted partner who truly cares about your success. He is always happy to connect, answer questions, or help clients explore their home financing options.
