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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.
Everything was well explained and any questions I asked were answered in the best response possible. Everything was done in a timely manner Jose Francisco Syracuse, IN March 27 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
It was an easy process Georgina HOUSTON, TX March 09 Rating: 5.0 out of 5.0 from Encompass
It was an easy process
Excellent communication great follow up refinance process was beyond expectations Thank you for all your assistance and hard work Juanita HOUSTON, TX March 09 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
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 P DOUGLASSVILLE, PA February 24 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...
Excellent communication...quick response and transactions Donald P ALLENTOWN, PA February 10 Rating: 5.0 out of 5.0 from Encompass
Excellent communication...quick response and transactions
Thr team was patient with me and walked me thru the process! Felix K Broadlands, VA January 23 Rating: 5.0 out of 5.0 from Encompass
Thr team was patient with me and walked me thru the process!
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.