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Hi, I’m Timi Howe, your partner on this journey through home Lending.
I’m here to educate you on what programs are best for you, guide you through the application process and make an easy transition to closing.
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Services
VA Loans
I will explain the benefits of a VA loan, such as no down payment and no private mortgage insurance, and help determine your eligibility. I’ll guide you through obtaining a Certificate of Eligibility (COE) and gathering the necessary documentation. Throughout the process, I will coordinate with the VA, handle the paperwork, and ensure the loan closes smoothly and on time.
New Purchases
I will guide you through the financing process by evaluating your financial situation and helping you get pre-approved. I’ll explain your loan options, assist with paperwork, and ensure all requirements are met for underwriting. Throughout the process, I will work closely with you, your real estate agent, and other parties to make sure the loan closes smoothly.
Refinance
I will help you understand your refinance options and determine if it’s the right time based on your financial goals. I will assist with gathering necessary documents, submitting the application, and locking in a favorable interest rate. Throughout the process, I will keep you informed and ensure all steps are completed for a smooth and timely closing.
Investment Loans
I will help you understand the financing options available for investment properties, including down payment requirements and interest rates. I’ll guide you through the application process, ensuring you provide accurate income and asset documentation to qualify. Throughout the transaction, I will coordinate with all parties to keep the process on track and help you close successfully.
Helpful Videos
Home Loans 101
Watch the videos below to help gain an understanding to what I do and what to expect from your lending experience.
Am I ready to apply for a home loan or refinance?
Watch this video to see if you would qualify for a home loan or refinance and what may be needed to start the process.
What is the process of buying new home?
In this video learn about the process of buying a new home or to refinance a home you currently own.
What programs could I qualify for?
In this video learn about what programs you may qualify for depending on your background, work and income.
A word from Timi
What you should know…
This snippet showcases what you should know about first entering the buying process. Learn what to expect, what’s needed and what works best to make your process successful.
What folks are saying about Timi
Difficult Loan made Easy
Timi took an already tough situation with credit and income issues and turned it around so that me and my wife could purchase a second home.
Robert Norman
Purchase and Refinance
Easy Homebuying
We had a wonderful experience with Timi- she was thoughtful, thorough and friendly throughout our home buying process and questions. we highly recommend working with Empire and Timi specifically, if you can!
Lisa P. Nguyen
Home Buyer
First Time Homebuyer
Timi is wonderful! She explained every step of the loan process to me and made sure I understood everything. She worked with my Realtor to get me what I wanted on my first home. Thank you Timi!!
Lexi Howard-Mullins
New Purchase
Consultation
Thinking about applying?
Contact me to see how I can help.
Timi Howe 