Business Details
29 Years
experience
Your Trusted Mortgage Partner in Mesa, AZ
KHoward Mortgage Team has been a trusted name in Arizona's mortgage industry since 1997, delivering top-quality home financing solutions to buyers and refinancers. Our Mesa-based team combines over 20 years of industry expertise with a commitment to personalized service, ensuring clients receive competitive rates and fast loan processing. We specialize in guiding homebuyers through every step of the financing journey, from pre-qualification to closing, while maintaining transparent communication throughout. Our family-owned business leverages direct lending partnerships to offer tailored loan programs, including conventional, FHA, VA, and jumbo loans, alongside down payment assistance options.With a track record of helping over 4,000 families achieve homeownership, we prioritize exceeding customer expectations through innovative solutions and industry-leading turnaround times. Our team's deep local market knowledge and dedication to ethical practices have earned us recognition as Arizona's premier mortgage specialists. We continuously invest in professional development to maintain our position at the forefront of mortgage banking innovation while preserving the personal touch that defines our service philosophy.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Down Payment Assistance
First-Time Buyers
Manufactured Home Loans
Details
- Year established: 1997
Highlights and features
- We have over 20 years of experience in Arizona mortgage banking.
- Our team offers the fastest loan turnaround times in the industry.
- We provide consistent communication throughout the entire loan process.
- Our NMLS-certified professionals maintain direct lender partnerships for better rates.
- We've helped over 4,000 families achieve homeownership since 1997.
What people say
Best experience possible
Fast loan turnaround
Kept me informed
Incredible support
Recommend to everyone
Services
Conventional Loans
Conventional loans offer stable-rate financing with competitive terms for qualified borrowers. These mortgages require higher credit scores and down payments but provide predictable monthly payments without additional insurance requirements. Ideal for buyers with strong financial profiles seeking long-term stability in home financing.
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Backed by the Federal Housing Administration, these mortgages include mandatory insurance but enable first-time buyers to enter the market with minimal upfront investment while building equity.
VA Loans
VA loans offer exclusive benefits for military service members and veterans, including zero down payment options and competitive rates. These government-guaranteed mortgages eliminate private mortgage insurance requirements while providing flexible qualification standards for eligible borrowers.
Jumbo Loans
Jumbo loans finance luxury homes and properties exceeding conventional loan limits. These mortgages require stronger credit profiles and larger down payments but enable borrowers to purchase high-value properties with tailored financing solutions and competitive market rates.
Down Payment Assistance
Down payment assistance programs help qualified buyers overcome upfront cost barriers through grants and low-interest loans. These state and federally funded initiatives reduce initial investment requirements while making homeownership accessible to first-time buyers and moderate-income families.
People
Kirk Howard
Branch Manager | NMLS #326442
With over 20 years of mortgage banking experience, Kirk Howard leads the Mesa team as a NMLS-certified loan officer. He has helped 4,000+ families achieve homeownership while maintaining direct lender relationships for better rates and faster approvals.
Dakota Howard
Branch Manager
Dakota Howard joined the family business in 2018 after graduating from Northern Arizona University. As a licensed loan officer, he has assisted over 100 families with home purchases and refinancing while maintaining Arizona's top mortgage service standards.
Julie Howard
Production Assistant
Julie Howard brings 21 years of mortgage processing experience to the team. As a certified loan assistant, she ensures smooth transactions through meticulous documentation management and client communication for all loan programs.
Shelley Rikli
Production Assistant | NMLS #1556296
Shelley Rikli has served as a licensed loan assistant since 2016, bringing 18 years of Arizona real estate industry expertise. She specializes in coordinating complex loan transactions while maintaining exceptional client service standards.
Liz Howard
Loan Officer Assistant
Liz Howard joined the team in 2020 as a full-time assistant. With prior sales experience, she ensures seamless client interactions and supports loan officers in delivering personalized mortgage solutions to Arizona homebuyers.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, jumbo, and manufactured home loans, along with down payment assistance programs for first-time buyers.
How quickly can you process a mortgage loan?
Our industry-leading turnaround times average 30 days from application to closing, with expedited options available for qualified borrowers.
Do you offer refinancing options?
Yes, we specialize in rate-and-term refinancing, cash-out refinancing, and streamline refinance programs for existing homeowners.
What areas do you serve?
We primarily serve Maricopa County, including Mesa, Gilbert, Chandler, and Apache Junction, with lending capabilities across Arizona.
Can first-time buyers get assistance?
Yes, we offer down payment assistance programs and specialized loan options specifically designed for first-time homebuyers.
How do I start the mortgage process?
Contact us at (480) 202-5024 or through our website to schedule a free consultation with one of our NMLS-certified loan officers.
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