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Steve  Howard

Steve Howard

Branch Manager

About My Team 

Steve Howard is a recognized leader in the mortgage industry. During his career he has helped over 1800 families enjoy the excitement of purchasing new homes or saving money each and every month by lowering their monthly payments. At the same time, he has helped his business partners grow their production to achieve their personal goals. Steve is an expert with regards to Conventional, Government, and Jumbo Loan Products. His expertise has made it possible to surpass $350 million in production during his career. Most of the business referred personally by satisfied clients.

  • Over Two Decades of Experience
  • Over 1800 Successful Closed Transactions
  • Considered Industry Expert
  • A Top Producer 1991 to Present

Customer Testimonials
Visit my Reach150 page to read more or make your own recommendation.

Additional Testimonials

"Steve Howard has proven to be an A+ representative. I have used his services twice thus far and each time he has proven to be diligent, knowledgeable, courteous, and dependable. Steve has always addressed my concerns and questions in a timely and positive manner. I would not hesitate to trust him to do an outstanding job in the future and would highly recommend him to family, and friends who are in need of financing or refinancing services. Your expertise is greatly appreciated, Steve. Thank you very much."                                                                                      

- Frances McCabe

"I just bought my very first home and used Steve Howard at HomeStreet Bank as my lender. It was a really great experience and he made it very easy to navigate the process. He and Chris were always very responsive, answered all my questions thoroughly and got everything done quickly and correctly. We moved up my closing date and they were able to rush everything to get me closed on time. He was able to get me an amazing loan with a government grant that pays my down payment for me which I don't have to pay back. Thanks to that I got into my new home with almost no money down saving me the down payment money I had saved for new furniture! When I signed the closing papers at the title office the ladies there were very impressed and said, 'You must have a really great loan officer! I'm shocked he was able to get this done so quickly!'. I would highly recommend Steve Howard to anyone looking to make the home buying process quick and easy."

- Jaime J.


"I cannot say enough good things about Steve Howard. Since 2007, we have used him for 2 mortgage loans and recently on a refinance (to fund a major remodel). He makes everything very easy, is extremely professional, and always gets back to you in a timely fashion whenever questions/concerns arise. On the refinance, we 1st started working with our credit union, but immediately reached out to Steve when the other bank's process became too convoluted. Would definitely recommend him to friends and family." 

- Jesse V.

"Steve was so amazing during our house buying process. He was always available, super knowledgeable and really went above and beyond throughout the whole process. I highly recommend him!"

- Maureen B.

"Steve Howard handled our loan (which was a bit complex), efficiently, professionally, quickly, and with the utmost competence. He was very on top of every detail, worked hard to simplify the process, and was great at communicating what was needed. We have completed many loan transactions and this was - by far - the easiest. We highly recommend Steve for any of your finance needs." 

- Susannah S.

"Steve was absolutely terrific throughout the entire process of obtaining our loan. From start to finish he took the time to answer every question we had and delivered on every commitment he'd made. We've worked with several different lenders over the years but after our experience with Steve, we will now be working with him exclusively."

- Ryan K.

"My husband and I were trying to purchase property in Hawaii. We first went to a local bank that we had dealt with before. What a mistake. After 2 months of being told we couldn't lock in a rate and wanting one thing or another, we decided to find another lender."

"Steve Howard was referred to us by a business associate. He not only was able to lock in an interest rate immediately, but he was able to close the loan in a little over 30 days. He and his staff were very professional, helpful and most importantly, they took care of business. I can't say enough good things about Steve and his associate, Chris. They were such a pleasure to work with and we will definitely use their services again."

- Kendra U.

"When two other banks over the past year couldn't get a HELOC on my residential property I was referred to Steve Howard. One phone call to Steve explaining the circumstances and what we wanted to do and we were off to the races. His knowledge, responsiveness and follow through was second to none and I honestly don't think anybody else could have got this deal done. I highly recommend Steve and Home Street Bank to anyone for all their mortgage needs."

- John F.

"My fiancé and I purchased our first home together and going through Steve made the process very easy. Steve’s knowledge and quick responses made us feel comfortable. We couldn't have asked for a better experience. HomeStreet made us feel like we were one of their top clients."

- Seth W.


Down Payment Assistance Programs

Down Payment Assistance Programs

Owning a home in Arizona is a dream for many, but not everyone has a huge down payment. Good news! There are several fantastic Down Payment Assistance (DPA) programs available.

AzHFA’s HOME Plus program offers a grant that can be used for down payment assistance or closing costs for homes purchased in Arizona. Some other features of this program include:        

  • Up to 5% of loan amount is provided as a non-repayable grant
  • Buyer must intend to occupy the home as their primary residence
  • Household income must be below $92,984
  • Eligible properties include single-family homes, townhomes, condos and manufactured homes with a purchase price below $371,936
  • Homebuyer must attend a free education course which can be found on MGIC for Homebuyers' site.

Qualified buyers in Maricopa County can take advantage of Home in Five, a grant that provides up to 3.5% of the loan amount as a non-repayable grant. It can be used for down payment or closing costs. Other good things to know include:

  • Increased assistance for qualified military personnel (4.5% of loan amount)
  • Income and debt ratio limitations apply
  • Eligible properties including single-family homes, townhomes, condos and manufactured homes with a maximum purchase price $300,000
  • Buyer must intend to occupy the Maricopa County home as their primary residence
  • Homebuyer must attend free education course; visit the HUD website to find a class

Make one application to determine which programs you can qualify for

Grant for up to 5% of the loan amount

  • Household income must be below $92,984
  • Home’s price must be below $371,936

Home in Five
Grant for up to 4% of the loan amount, determined by credit score

  • Household income must be below $88,340
  • Buyers in qualifying public service roles receive special incentives

Don't know if you qualify for any of the Arizona DPA programs? Let's find out. Give me a call today.

Are you under the impression that buying a home has become much more difficult or expensive after the economic downturn? While it’s true that some things changed from a regulatory perspective in the recession’s aftermath, many local and state government agencies have introduced programs to help potential homebuyers afford the upfront costs of purchasing a home.

Please call me with any questions or scenarios: (602) 648-4185

Construction and Renovation

HomeStreet is your source for construction and renovation financing: 

Construction Loan and Mortgage rolled into one! One Approval – One Closing

HomeStreet’s One-Step Construction Loans are used to finance a combination of home construction and purchase. This product allows you to lock in the interest rate on a permanent loan before construction even begins.

  • Avoid interest rate risk and fluctuations by locking your rate before construction starts
  • Financing available for up to 90% of the value of a new home
  • Lot purchase may be included in loan
  • Also available for jumbo renovation projects
  • Saves your builder from funding the cost of construction, which saves you money as your loan will cost less than theirs
  • One loan approval, one loan closing and one appraisal – all up front

 Click here for link to construction to permanent guide

Call (602) 648-4185 to learn more.

Build or renovate your home with our all-in-one loan!

At HomeStreet we are experts in new home construction and renovation financing. Whether you are building a new home or remodeling an existing home, we can help your plans become reality. Use our One-Step Construction Loan for:

  • Renovation projected that range from $150,000 to $1.5 million.
  • New construction projects that cost up to $1.5 million.
  • Elimination the need for multiple loans.
  • Work that needs up to 12 months to finish.
  • Including a land lot purchase.
  • Avoiding interest rate risk and fluctuations by locking your rate before the work starts.
  • Financing up to 90% of the value of the newly constructed or remodeled home.
  • Having the options of fixed or ARM loans.
  • Savings money with one set of closing costs.
  • Paying interest only on the monthly funds disbursed to cover project work.
  • Making straightforward contractor payments with a simple draw process.

Renovation Loan Options – FHA 203(k) and Fannie Mae Renovation

With an FHA 203(k) or Fannie Mae Renovation loan, you can purchase or refinance a home that’s less than ideal, make immediate improvements and pay for them over time.

  • Allow for upgrades for expansion to home, in addition to making needed repairs
  • Repair, remodel or add on to your home without draining your savings, or running up your credit cards
  • Appraisal and loan amount are based on the “after-repair” enhanced value, so you can maximize your project scope and budget
  • Available for primary residence, second home* or investment property*
  • No limit on budget, but loan size capped by FHA and Fannie Mae
  • Down Payment as low as 3.5% 

Click here for renovation flyer

Call (602) 648-4185 to learn more.


Home Equity

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