Howard Hanna Mortgage: Your One-Stop Solution

Wednesday, October 11th, 2023 - Mortgage

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Howard Hanna Mortgage: Providing Effective Financing Solutions for Your Dream Home

When you are looking to purchase a home, applying for a mortgage can be challenging, especially if you are not experienced. While there are numerous lenders and banks to choose from, Howard Hanna Mortgage stands out as a trusted provider of mortgage services. The company offers financing solutions that cater to the specific needs of homebuyers in various regions of the United States. In this blog post, we will explore the advantages of using Howard Hanna Mortgage, the different mortgage products and services that they offer, and provide helpful tips on how to maximize your chances of getting approved for a mortgage.

At Howard Hanna Mortgage, the company’s team of experienced professionals are committed to making the process of applying for a mortgage as seamless and stress-free as possible. Founded in 1983, Howard Hanna Mortgage has helped thousands of people realize their homeownership dreams over the years. The company’s commitment to customer satisfaction and personalized service has earned them a reputation as one of the best mortgage service providers in the country.

Why Howard Hanna Mortgage is the Right Choice for Your Home Financing?

If you are considering purchasing your home, here are some reasons why Howard Hanna Mortgage is the right choice for your financing:

1. Expertise


Howard Hanna Mortgage has some of the most experienced and dedicated mortgage professionals in the industry. Their team of experts is always available to guide you throughout the entire loan application and processing process, from pre-approval to closing. Whether you need help with understanding the terms and conditions of your contract or choosing the right mortgage product that’s best suited to your needs, their team will always be ready to assist you.

2. Wide Range of Mortgage Products and Services

Mortgage Products

Howard Hanna Mortgage offers different types of mortgage products and services that cater to the specific needs of their customers. These include Fixed-Rate Mortgages, Adjustable-Rate Mortgages, Government-Insured Mortgages, Jumbo Mortgages, Construction and Lot Loans, and more.

3. Competitive Rates and Fees

Competitive Rates

Howard Hanna Mortgage provides competitive rates that are among the best on the market, giving you more savings when it comes to your monthly payments. They also offer reasonable closing costs and fees, and their rates and fees are always transparent.

4. Online Application and Account Management

Online Application

Howard Hanna Mortgage has made the process of applying for a mortgage and managing your account much easier by providing their customers with efficient online tools. You can easily apply for a mortgage online and check the status of your application anytime, anywhere. You can also access your account, make payments or schedule an appointment with your loan officer through their online platform.

5. Excellent Customer Service

Customer Service

Howard Hanna Mortgage is customer-focused, and they pride themselves on providing the best service possible to their customers. Their loan officers are available to answer all your questions, and they will guide you throughout the loan process until you get your home keys. They also have dedicated customer service representatives who can assist you with your inquiries or concerns.

Different Types of Mortgages That Howard Hanna Offers

Howard Hanna Mortgage offers different types of mortgages to ensure that their customers have a wide range of mortgage products to choose from. Below are the types of mortgages that Howard Hanna Mortgage offers:

1. Fixed-Rate Mortgages (FRM)

Fixed-Rate Mortgage

With a fixed-rate mortgage, the interest rate remains the same throughout the term of the loan. This type of mortgage is ideal for those who prefer a predictable monthly payment throughout the life of the loan, and it is available in varying terms.

2. Adjustable-Rate Mortgages (ARM)

Adjustable-Rate Mortgage

An adjustable-rate mortgage is a mortgage where the interest rate fluctuates according to a benchmark index, such as the prime rate. This can allow borrowers to benefit from lower interest rates in the short term, but may not be suitable for those who prefer a stable, fixed monthly payment.

3. Government-Insured Mortgages

Government-Insured Mortgages

Howard Hanna Mortgage offers government-insured loans including FHA mortgages and VA loans. These types of loans typically have less strict qualification standards and down payment requirements.

4. Jumbo Loans

Jumbo Loans

Jumbo loans are mortgages that exceed the conforming loan limits established by the Federal Housing Finance Agency (FHFA). Howard Hanna Mortgage offers a variety of jumbo loans with different interest rates and terms.

5. Construction and Lot Loans

Construction and Lot Loans

If you are building a home or planning to purchase a lot to build in the future, Howard Hanna Mortgage’s Construction and Lot Loans can cover the cost of your land purchase and construction costs.

Helpful Tips to Obtain Mortgage Approval

Getting approved for a mortgage entails more than just filling out an application online. Here are some helpful tips to maximize your chances of getting your mortgage approved from Howard Hanna Mortgage:

1. Check Your Credit Score

Credit Score

Before applying for a mortgage, check your credit score to see where you stand. If you have a poor credit score, take the necessary steps to improve it before applying for a mortgage. This will help to increase your chances of being approved and may also help you to receive better rates and terms.

2. Save for a Down Payment

Down Payment

Most mortgage products generally require a down payment. By saving enough money for a down payment, you can improve your chances of getting approved for a mortgage. A bigger down payment can also help reduce mortgage payments in the long term.

3. Avoid Major Purchases and Pay Down Debt

Pay Down Debt

Try to avoid making major purchases or accumulating more debt before applying for a mortgage. This could put a strain on your finances and make it difficult to meet the minimum income requirements for the mortgage that you want. To improve your chances of getting approved, it is best to pay off existing debts and avoid taking on any new debts.

4. Get Pre-Approved

Get Pre-Approved

Getting pre-approved for a mortgage before you start searching for a property can give you an edge over other buyers by showing sellers and agents that you are serious and financially qualified. Pre-approval also helps you to know how much you can afford to spend on a home.

5. Don’t Quit Your Job

Don’t Quit Your Job

Quitting your job or changing jobs before applying for a mortgage may negatively impact your chances of getting approved. Lenders prefer borrowers who have stable employment and a regular source of income, so it is best to wait until after your mortgage has been approved to make any major career changes.

6. Get Professional Help

Professional Help

If you are unsure about anything related to your mortgage application, it is always best to consult a professional. Howard Hanna Mortgage’s team of experienced loan officers and customer representatives can provide you with the guidance and support that you need to ensure that your application is successful.


There are many reasons why Howard Hanna Mortgage stands out as a trusted provider of mortgage services in the United States. The company offers a wide range of mortgage products, competitive rates, excellent customer service, and a team of dedicated professionals who can guide you throughout the entire application process. By following the helpful tips outlined above, you can maximize your chances of getting approved for your mortgage and make your dream of homeownership a reality.

Conclusion, a howard hanna mortgage is a crucial tool that enables real estate buyers to finance a property without having to pay the full purchase amount upfront. It offers access to homeownership and enables individuals and families to attain their aspirations of owning a property.

One of the main benefits of a howard hanna mortgage is the capability to spread out the cost of a home over a prolonged period of time, making it economical for homebuyers. Additionally, a mortgage enables homeowners to establish equity in their home over time, which can serve as a monetary investment and give opportunities for upcoming economic expansion.

However, it’s vital to thoroughly understand the duties and risks associated with a howard hanna mortgage, including interest rates, payment conditions, and likely foreclosure hazards. It’s important to carefully consider your economic situation and budget ahead of obligating to a howard hanna mortgage to make sure that it’s economical and appropriate for your particular needs.

Remember, a howard hanna mortgage is a long-term commitment, so be sure to inform yourself, carefully assess your monetary condition, and look for professional counsel to make informed decisions. With wise strategizing and careful consideration, a mortgage can be a powerful tool in helping you realize your ambition of owning a property.

Howard Hanna Mortgage: Your One-Stop Solution | Cade | 4.5