Howard Steele – Guaranteed Rate

I’m currently in the process of refinancing my condo. My current loan sits with a company on the East Coast that made me feel like my refi was just another loan in the bucket. Our telephone conversations have been short and uninformative. When I was asked about other options about my refi (Possible cash out, buying down a lower interest rate, no points, no cost, etc.) I was pretty much given very little information or insight or simply told «That is not an option in your area» without any explanation, whatsoever.
Enter Howard. I was referred to him by my realtor who helped me purchase my home five years ago. Howard allowed me to make an appointment that fit around my work schedule (6pm). He set up a conference room and we walked through many scenarios for refi-​ing that made me feel so secure in choosing which loan would be the right one for me. He sets up a separate monitor so you can see all the numbers he’s punching in and seeing how everything is calculated. Even though my background is finance, it’s good to see the step-​by-​step in how things are calculated in a mortgage/​banking scenario and how certain factors affect each other.
I also am interested in purchasing a home within the next year or so. Howard was able to give me insight on how my current refi numbers would be reflected in my next loan, how creditors take the middle range of the lower of the two credit scores between mine and my husband’s, and we calculated scenarios based on how much house we could buy under different types of loans with different down payment amounts. I left there armed with the knowledge of how much I need to save and what are my best options for me and my husband to get to where we want to be in to opt for a house or just stay in the current home we are.
Howard goes over so many scenarios with you. His thought process is «I’ll arm you with the information, you make the decision that’s right for your family, and I’ll do what’s best to get you there.» No pushy sales, just great information on where we need to go to achieve both short term and long term financial goals.
Howard is a world of knowledge. I wish I would have come to him first before I took the lazy route and just refi’d with my existing lenders. He is definitely someone that is looking out for you and your family and will help steer you toward the right direction for all your future mortgage needs.