As a wholesale mortgage broker, Mark is ready to help you choose the right loan program for your goals AND get a low interest rate – without sacrificing 5-star customer service. That’s a Mark Loan.
Mortgage Broker
NMLS #1630227 | FL #LO122381
Discover why clients choose Mark Howard for their mortgage needs.
Whether you’re buying your first home or refinancing, Mark Howard offers smart, personalized loan solutions designed around your goals. From conventional loans to government-backed programs, self-employed options, and investment property financing, Mark will help you choose the path that fits your needs and budget. Explore the loan programs below to get started.
Conventional home loans are ideal for borrowers with stable income and good credit. These loans offer competitive interest rates and flexible terms, making them a versatile option for buying or refinancing a home. Unlike government-backed loans, conventional mortgages often feature fewer restrictions and are available for primary residences, second homes, and investment properties. Mark Howard works closely with you to customize a loan that aligns with your financial goals. Whether you prefer a fixed-rate or adjustable-rate mortgage, conventional loans provide a straightforward path to homeownership.
Conventional home loans are ideal for borrowers with stable income and good credit. These loans offer competitive interest rates and flexible terms, making them a versatile option for buying or refinancing a home. Unlike government-backed loans, conventional mortgages often feature fewer restrictions and are available for primary residences, second homes, and investment properties. Mark Howard works closely with you to customize a loan that aligns with your financial goals. Whether you prefer a fixed-rate or adjustable-rate mortgage, conventional loans provide a straightforward path to homeownership.
VA home loans are a powerful benefit for veterans, active-duty service members, and eligible spouses. Backed by the Department of Veterans Affairs, these loans offer zero down payment, competitive rates, and no private mortgage insurance, making homeownership more affordable. Mark Howard simplifies the process, guiding you through eligibility requirements and available options. Whether you’re buying a home, upgrading, or refinancing, VA loans provide a flexible and affordable solution tailored to those who have served. Experience the benefits you’ve earned with expert support every step of the way.
Conventional home loans are ideal for borrowers with stable income and good credit. These loans offer competitive interest rates and flexible terms, making them a versatile option for buying or refinancing a home. Unlike government-backed loans, conventional mortgages often feature fewer restrictions and are available for primary residences, second homes, and investment properties. Mark Howard works closely with you to customize a loan that aligns with your financial goals. Whether you prefer a fixed-rate or adjustable-rate mortgage, conventional loans provide a straightforward path to homeownership.
Non-QM loans provide flexible options for borrowers who don’t fit traditional lending criteria. These mortgages are ideal for self-employed individuals, those with unique income streams, or credit challenges. With features like alternative income verification methods and no need for perfect credit, Non-QM loans open doors for a wider range of buyers. Mark Howard specializes in matching clients with these customized solutions, offering personalized support throughout the process. Whether you’re purchasing a new home or refinancing, Non-QM loans provide an excellent pathway to homeownership.
VA home loans are a powerful benefit for veterans, active-duty service members, and eligible spouses. Backed by the Department of Veterans Affairs, these loans offer zero down payment, competitive rates, and no private mortgage insurance, making homeownership more affordable. Mark Howard simplifies the process, guiding you through eligibility requirements and available options. Whether you’re buying a home, upgrading, or refinancing, VA loans provide a flexible and affordable solution tailored to those who have served. Experience the benefits you’ve earned with expert support every step of the way.
Investor loans are tailored for those looking to purchase rental properties or grow their real estate portfolio. These mortgages feature flexible terms and competitive rates, helping you maximize returns on your investments. Mark Howard partners with you to identify the right loan products, whether you’re a seasoned investor or a first-time buyer exploring real estate opportunities. From multi-family units to single-family rentals, investor loans provide the foundation for building wealth through real estate.
A Cash-Out Refinance allows you to replace your existing mortgage with a new, larger one and take the difference in cash. It’s a smart way to tap into your home’s built-up equity and use it for things like renovations, high-interest debt, education costs, or other major expenses. This option is ideal if you’re looking to access funds while potentially lowering your interest rate or adjusting your loan terms.
Mark Howard lives in Georgetown, TX with his wife and 3 boys and became a residential loan officer in 2017. Mark was attracted to the mortgage industry as a way to serve families & individuals by helping them realize their life-changing dream of home ownership. Mark loves spending time with his family, enjoys sports, and above all is a follower of Jesus Christ.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Low Rates + 5-Star Service — That’s a Mark Loan
Experience a home loan process that’s truly built around you. As a trusted wholesale mortgage broker, Mark Howard is committed to helping you find the right loan program to match your goals, lifestyle, and budget. He’ll work closely with you to secure a competitive low rate, guide you through every step with clear communication, and make sure your journey to homeownership is smooth and stress-free. With Mark, you don’t have to choose between low rates and outstanding service — you get both, delivered with care and expertise. That’s a Mark Loan: personalized solutions, seamless approvals, and the peace of mind you deserve.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A mortgage broker is not limited to originating loans for just one bank or company like a regular loan officer – they can shop dozens, if not hundreds, of different lending banks for the right loan program and best interest rate. Also, mortgage brokers have much lower business expenses compared to a huge mortgage corporation, which means we can offer much lower interest rates!
A discount point is a fee charged in your closing costs to buy a lower interest rate for the life of your loan. The fee for one point = 1% of the loan, so one point on a $200,000 loan is $2,000. This will normally buy down your rate about 0.375% but it does vary. You can buy fractions of a point as well. Paying for points can be a good way to lower your monthly loan payment, and possibly increase the loan amount that you can afford to borrow. However, if you plan to stay in the property for only a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front.
A mortgage is a loan used to purchase a home or other real estate. It allows buyers to borrow money to cover the cost of the property while agreeing to repay the loan with interest over a set period, typically 15 to 30 years. Mortgages come in different types, including fixed-rate, adjustable-rate, and government-backed loans.
Qualification depends on factors like your credit score, income, employment history, and debt-to-income ratio (DTI). Lenders also require a down payment, which can vary by loan type. Some programs, like FHA or VA loans, have more flexible requirements, making them easier to qualify for.
Pre-qualification is an estimate of how much you might be able to borrow based on basic financial information. Pre-approval is a more detailed process that involves a lender reviewing your credit, income, and finances to determine the loan amount they can offer you.
Refinancing replaces your current mortgage with a new one, often to lower your interest rate, reduce monthly payments, or access home equity. It can also allow you to switch loan types, such as moving from an adjustable-rate mortgage to a fixed-rate mortgage.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!