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Proudly serving clients across FL, AL, AR, AZ, CA, DE, GA, IL, IN, KY, LA, MD, MI, MN, NC, NJ, OH, PA, SC, TN, TX, VA, WA
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 4.8 out of 5.0 from Encompass Everything was well explained and any questions I asked were answered in the best response possible. Everything was done in a timely manner Jose FranciscoSyracuse, IN Mar 27
Everything was well explained and any questions I asked were answered in the best response possible. Everything was done in a timely manner
Rating: 5.0 out of 5.0 from Encompass It was an easy process GeorginaHOUSTON, TX Mar 09
It was an easy process
Rating: 5.0 out of 5.0 from Encompass Excellent communication great follow up refinance process was beyond expectations Thank you for all your assistance and hard work JuanitaHOUSTON, TX Mar 09
Excellent communication great follow up refinance process was beyond expectations Thank you for all your assistance and hard work
Rating: 5.0 out of 5.0 from Encompass Hello, my wife and I had recently attempted to refinance our mortgage with two other companies before AnnieMacs Kris Howard reached out to me I was seriously at my witts end with the process due to the two companies I was being harassed by and basically lied to repeatedly From the moment I spoke with K... Robert PDOUGLASSVILLE, PA Feb 24
Hello, my wife and I had recently attempted to refinance our mortgage with two other companies before AnnieMacs Kris Howard reached out to me I was seriously at my witts end with the process due to the two companies I was being harassed by and basically lied to repeatedly From the moment I spoke with K...
Rating: 5.0 out of 5.0 from Encompass Excellent communication...quick response and transactions Donald PALLENTOWN, PA Feb 10
Excellent communication...quick response and transactions
Rating: 5.0 out of 5.0 from Encompass Thr team was patient with me and walked me thru the process! Felix KBroadlands, VA Jan 23
Thr team was patient with me and walked me thru the process!
Rating: 4.8 out of 5.0 from Encompass Kris H . was the easiest person to work with, he always responded when we reached out and was reassuring and optimistic throughout the process! Madison McKinleyALACHUA, FL Jan 05
Kris H . was the easiest person to work with, he always responded when we reached out and was reassuring and optimistic throughout the process!
Rating: 5.0 out of 5.0 from Encompass Kris was very informative about the options and process. Once we made the decision to proceed, everything was aschecdtatedcsbd done very quickly. EllisCAMERON, NC Nov 25
Kris was very informative about the options and process. Once we made the decision to proceed, everything was aschecdtatedcsbd done very quickly.
Rating: 4.5 out of 5.0 from Encompass Kris was very nice and reached to me to let me know about the streamline program and that it would help me reduce my mortgage payments. He helped me through the whole process and answered my concerns. ORLANDRA NWILLIAMSBURG, VA Oct 30
Kris was very nice and reached to me to let me know about the streamline program and that it would help me reduce my mortgage payments. He helped me through the whole process and answered my concerns.
Rating: 5.0 out of 5.0 from Encompass Kris , was awesom. was great all the way through the ole proces. Matthew TANNISTON, AL Oct 03
Kris , was awesom. was great all the way through the ole proces.
Rating: 5.0 out of 5.0 from Encompass From the very first call I received from Kris he made me feel confident that we were making the right choice for ourselves financially. Kris was easy to communicate with and guided us when we needed it. I would highly recommend him to anyone! Jason LSAINT CLOUD, MN Sep 19
From the very first call I received from Kris he made me feel confident that we were making the right choice for ourselves financially. Kris was easy to communicate with and guided us when we needed it. I would highly recommend him to anyone!
Rating: 5.0 out of 5.0 from Encompass Kris Howard helped us with everything from start too finish ThomasNEW OXFORD, PA Sep 06
Kris Howard helped us with everything from start too finish
Rating: 5.0 out of 5.0 from Encompass All good will let people know what a good experience it was JoshuaMUSSEY, MI Sep 06
All good will let people know what a good experience it was
Rating: 5.0 out of 5.0 from Encompass Great communication through the whole process Melissa AnnGreensburg, PA Sep 05
Great communication through the whole process
Rating: 5.0 out of 5.0 from Encompass Both Kris and Lisa were personable, courteous, and professional. They made the whole refinancing experience much easier than I expected. SusanKNOX, IN Aug 11
Both Kris and Lisa were personable, courteous, and professional. They made the whole refinancing experience much easier than I expected.
Rating: 4.0 out of 5.0 from Encompass Im glad they could help me Dana LROCKVILLE, IN Aug 03
Im glad they could help me
Rating: 5.0 out of 5.0 from Encompass Kris Howard was very nice and helpful. He was able to answer most of my calls or return calls when not able to help at that moment. It was very time consuming but in the long run I was able to get what i needed accomplishe. DianaCLERMONT, FL Jul 05
Kris Howard was very nice and helpful. He was able to answer most of my calls or return calls when not able to help at that moment. It was very time consuming but in the long run I was able to get what i needed accomplishe.
Rating: 4.8 out of 5.0 from Encompass The people were great and very helpful made everything go smooth. Kenneth R.Franklin, OH Jun 17
The people were great and very helpful made everything go smooth.
Rating: 5.0 out of 5.0 from Encompass Everyone I dealt with through the process was very friendly , knowledgeable and very helpful Each and every one walked me right thru Kudos to all of the staff Thanks for all your help EthelLAWNDALE, NC May 27
Everyone I dealt with through the process was very friendly , knowledgeable and very helpful Each and every one walked me right thru Kudos to all of the staff Thanks for all your help
Rating: 5.0 out of 5.0 from Encompass Every step was quick and smooth Timothy WGRAND RAPIDS, MN May 04
Every step was quick and smooth
Rating: 5.0 out of 5.0 from Encompass Thank you to everyone who helped me with this proces. They're all support and very professional. JeanGAINESVILLE, FL Apr 22
Thank you to everyone who helped me with this proces. They're all support and very professional.
Rating: 5.0 out of 5.0 from Encompass Communication was the best Always there to answer my BrianShevlin, MN Mar 21
Communication was the best Always there to answer my
Rating: 5.0 out of 5.0 from Encompass All went smoothly JoshuaMUSSEY, MI Jan 13
All went smoothly