Steve Howard

My wife and I were looking to refinance our home and Steve came highly recommended. I can honestly say it was a fantastic experience from start to finish. Steve is a true professional who's extremely knowledgeable, helpful, organized, friendly, efficient and responsive. He and his team made what would typically be a long, tedious process a very quick and painless one.

The system he uses is the most efficient one I've ever seen. We always knew what documents we had to provide and the next steps. Everything is laid out for you. It's so easy. If we did have a question, Steve was always available. It's very reassuring to call someone and have them pick up after the first ring or receive an email response within a few minutes.

The next time we refinance, we will never use anyone but Steve. We can't say enough great things about him and the amazing customer service he and his team provided. It was the best decision we made and I promise anyone who has worked with him feels the same way.

Thank you Steve!

I cannot express my gratitude to Steve, who went above and beyond to make our home purchase such an easy enjoyable experience. There were some complex matters with travel and remote signing and Steve made sure it was done.

I have been working with Steve Howard for almost 20 years on mortgage issues. Throughout this time, he has been gracious, assiduous, knowledgeable and innovative. My most recent refi reaffirms this endorsement of him and his Guardian associates, Amy Pebler, Processing, and Keeley Garvin, Production Partner. Steve watched the rates for me, and when he believed they were about to increase, he notified me and we locked in at the low point; the rates did, in fact, climb after we did. Then, he and his adept team processed the loan and closed it promptly. Remarkable efficiency and customer concern. AAA Rating!

David M. Brown (Mesa)

Steve was very knowledgeable and professional. Start to finish our refinance took 25 days. Any questions we had he always answered them in a timely friendly manner. Highly recommend.

I have known Steve Howard for over 10 years. He has always looked out for my best interest with my home loans. Every time he says he is going to do something he always delivers. I would only recommend Steve Howard for my Real estate loan needs. Thanks Steve

I've known Steve for about 7 years. I first met him when I moved back to Phoenix and was setting up an account at a local bank. I was house shopping and was convinced to speak with their new mortgage department. At that time, my family had a multi-decade long relationship with a local broker, and I told Steve that he was wasting his time speaking with me because we had a very solid relationship with great mortgage people. Since I just had my credit pulled and it wouldn't make a difference in the 14 day window to pull again for shopping I went ahead and had him run it to humor him and see how much better my guys were.

This was back in 2013. Starting from day 1 of our relationship, Steve followed up constantly, always had great advice on how best to position myself in the best possible way to get the smoothest transaction and best possible outcome, and even though he followed up... he was PATIENT. It took quite a while to find a house but he never let off the gas with his service and help.

When I finally got under contract and got real figures, he blew my previous mortgage guys out of the water! By the way, they barely followed up with me and I didn't get much advice from them. The choice was obvious at that point.

After we closed, Steve stayed close with me. I am extremely loyal to my relationships so it's a big deal to unseat an incumbent. Since that first transaction in 2013, Steve has now done 2 mortgages for me, 2 mortgages and a HELOC for my brother, a mortgage for my mom, and quite a few others for clients of my brother and my wife who are both Realtors. Basically, we know that when we call Steve, he's going to get the deal DONE and get it done at the best possible rates.

It is not hyperbole when I say that I really lucked out finding this guy. He has become a trusted adviser and a friend. Anyone I know that has any sort of financial needs around real estate, I tell them that they MUST contact Steve... and they do. The greatest part about him is that even though he is worth his weight in gold, telling others about him and sharing that wealth only increases his value to me. I don't know how he does it.

Mortgage guys come and go and they all have some value, but true professionals like Steve are rare. Selfishly, I hope he stays in this business for as long as I will need mortgages and related solutions.

Steve and his team were great during our home buying process. While other lenders could not qualify me for enough money to buy the home I wanted Steve directed me to the right home buying program and got me qualified. During the closing process Steve communicated with me every step of the way. His availability and efficiency was top notch. I would recommend Steve and his team to anyone interested in buying a home!

I've rarely experienced the level of professionalism and customer service that I have with Steve. From the beginning of the process, to the very end, Steve was just a phone call away with any question I had, and showed immense patience explaining everything to me. Steve is kind, went above and beyond to get me the best pricing available, and gave me updates on every step of the process. He takes a complicated transaction, and makes it smooth and painless. I'm very grateful for Steve and couldn't recommend him enough. Thank You Steve!

Words can’t even begin to express how grateful I am to have had the opportunity to have Steve Howard and the Guardian mortgage team get my home mortgage refi completed. Steve and his colleagues were beyond accommodating, attentive, professional, extremely punctual, available 24/7, truthful / honest and as easy to work with as you could imagine. They made the process from start to finish far easier than I could have ever imagined and also ensured that I got the best deal possible. It was evident every step of the way that Steve was truly out for MY best interest with NO anterior motifs nor anything else of such. I was recommended to Steve and Guardian mortgage by a close friend and every expectation I had of Steve and Guardian mortgage was truly exceeded ten fold. I have since recommended Steve and Guardian mortgage to a few friends and coworkers of mine given the exceptional job and experience that they provided to me. I would highly recommend Steve and Guardian mortgage to anyone considering doing a home refi and can say with the upmost confidence that Steve will provide you the same superb experience and superior customer service that he did for me. Can’t thank you enough again Steve!!

-Lance S.

Steve was one of the best people I have ever worked with. He was always available when we needed any help or had any questions. He was always on time with everything and never delayed anything. I would recommend to all my friends,family, and anyone shopping for loan. May God bless him.

As the buyers, we needed a quick close on a jumbo loan and Steve and his team went above and beyond to make it happen! There was a hiccup on the sellers end the day before closing, and Steve went out of his way to make sure it was resolved so we could close on time. I hold Steve Howard and is team in the highest regard and would strongly recommend working with him without hesitation!

As the buyers, we needed a quick close on a jumbo loan and Steve and his team went above and beyond to make it happen! There was a hiccup on the sellers end the day before closing, and Steve went out of his way to make sure it was resolved so we could close on time. I hold Steve Howard and is team in the highest regard and would strongly recommend working with him without hesitation!

Steve Howard managed a seamless, honest and straightforward refi process for me. Information flow was clear and timely. This was a complex process, and I am impressed with the attitude and quality of work that Steve and his team demonstrated. Thanks again, Steve!

Steve and his staff were extremely helpful in the mortgage process for our home. We were kept up to date every step of the way. He and the staff always were there if we had any questions. If they did not have an answer to a question, they were quick to find one and get right back to us. We would highly recommend Steve to anyone looking for a home loan. Thanks again to Steve and his staff.

James & Debbi Kooken

I have worked with Steve Howard for many years and have NEVER been disappointed, he has always been straight-forward and upfront. I would/ and will, definately recommend him.

Steve and his team kept us informed from application to closing. Steve is very professional. My husband and I recommend Steve.

Steve Howard is the best, been trusting him for years in buying and refinance needs he helps you jump through hoops and gets it done one way or the other!!! thanks Steve for all your help

Steve is perfect! Well, I don't know about his cooking or mechanical skills, but I do know that he handled my loan application perfectly. He worked hard for me and insured that every step of the process was completed in a timely and efficient manner. He was always available to answer my question or provide information. I have recommended him to my friends and will use his services again if I buy or refinance in the future.

Steve and his team were extremely responsive to every question and fully explained every step of the process. Buying and selling a house is very stressful but I had no stress working with every team member. I would highly recommend Steve Howard for a home loan.

Steve Howard and his team provided lender services for our home purchase. The process was quick and painless. They were always available to discuss any questions we had. I will definatley recommend Steve to others I know that are house shopping.

It was a pleasure working with Steve! He simplified a typical time consuming undertaking financing a home a painless experience. Steve did all the heavy lifting pushing my loan across the goal line. He kept me up to date on the progress every step of the way via electronic messaging that was super convenient. Thanks again Steve for a great job!

Steve performed a miracle! I have bought many houses and I have never seen someone work as fast and effectively on a loan as he did. His knowledge and dedication in every aspect of the transaction lead to an on-time closing that I thought was impossible. Highly recommend!

Steve and his team did a great job. Super quick and quality service!

Steve was an absolute pleasure to work with when closing our mortgage loan for our new home purchase.

From the very beginning, Steve coached us on various mortgage programs, walked us through the loan process, and helped us determine which mortgage loan program and interest rate best fit our needs.

Steve and his staff were prompt on returning all phone calls and provided status updates of our loan during the entire process and key milestones.

I would highly recommend Steve as a valuable resource for a mortgage loan and it was great working with him.

I would send a friend or family member as a referral without reservation.

Thank you Steve!

I recently had the pleasure of working with Steve Howard as my loan officer. This wasn’t just any deal, for me, it was a custom home that I had been working towards for the last 10 years. Naturally, the nature of the deal had to be handled precisely, and accurately. Steve far exceeded my expectations of how I figured financing would go. His attention to detail, availability, and willingness to explain, really made this deal happen. I was introduced to Steve, thru a referral from a past client of his, who raved about how well he does in his work. Finally, I will be referring Steve Howard to family, friends, etc. who are interested in a low stress, professional home loan/refinance. Thanks again!!! -Sam Helms