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Client Testimonials


Bob, Katie and Whitney were great to work with. They were so responsive to all of our needs and questions. They moved our mortgage forward efficiently and proactively and clearly knew everything that needed to be done. Although they have many years of experience, they understood that this was our first home purchase and were sensitive to the stress we experienced. This was our first home purchase, but even the veteran realtors involved remarked on how great it was to work with the Howe Team. I highly recommend using them.

– Jay and Melissa


“We have been using Bob Howe and his team for our loans and re-fi’s for eight years.  There is a reason why we continue to use them for all our mortgage needs.  You can’t find another team that is more professional, honest and caring.  We completely trust them and know that they always are looking out for our best interest.  They make the loan process as simple as possible for a home buyer.  Bob, Katie and Whitney are always on top of it and are such dedicated workers.  We think very highly the team and will continue to do business with them.”

-Sean and Sarah


I purchased my first home in May, 2013.  I worked in the Mortgage industry for several years and as a result, was very familiar with the process of obtaining a loan and the challenges that sometimes arise in that process. I have known the Howe family for over 12 years and when it came time to pick a broker to handle my loan, I immediately knew that the Howe team was my first and only choice to handle such an important factor in purchasing my first home. Bob, Katie and Whitney could not have done a better job. They handled every detail with such professionalism and kept me informed every step of the way. They made the experience of getting a loan easy and stress-free. They were able to get me an amazing interest rate and handled everything perfectly from open to close. I highly recommend this team to anyone buying
or refinancing their home. They take great pride in taking care of their clients and provide a level of customer service that is rarely seen in that industry.



In the last 5 years, we have worked with the Howe Team on purchasing 2 homes and doing 3 refinances and I have to say it has been a complete pleasure doing business with them. They are very easy to work with, knowledgeable on the market and make this sometimes stressful process go so smoothly. We are thankful for their dedication and hard work and we will continue to use the
Howe Team in the future!

-Jason and Julie


I was first acquainted with Bob Howe and his team when I was a new agent representing Buyers who had selected Bob as their mortgage broker.  Upon closing, Bob made a special trip to my office in Long Beach in order to meet with me.  I was so impressed with his style and knowledge that I asked him back to speak with the real estate agents in my office.  Bob and The Howe Team, consisting of Katie and Whitney Howe, were and are unlike any of the brokers with whom I’d previously worked. It was obvious that our ethics and the way we felt about our clients were similar.  Bob, Katie and Whitney are not only smart and experienced but they are creative, accessible and prompt in communicating. Bob often makes the effort to reach out and share new loan programs and improved rates with clients. The Howe Team is at the top of my list when clients and personal friends want a mortgage broker with the qualities that Bob and his team exemplify.  Not only do I refer clients to Bob and The Howe Team but they are my personal mortgage brokers as well.  My husband and I have worked with Bob, Katie and Whitney for the purchase of our second home as well as for refinancing our primary residence.  In this day and time, loyal relationships like the one I share with Bob and his team, are rare.  Bob understands the importance of  relationships and takes them seriously. The entire team goes the extra mile to assure clients that their loans and financial concerns are in good hands.  Bob Howe and his team are honest, in every sense of the word, reliable, hard-working and affable. The Howe Team inspires confidence in those with whom they work and clients return to continue the relationship time and time again.

-Lyn and Joel

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The Howe Team goes above and beyond to secure the best rates, answer all questions and streamline the process. It is such a comfort to know that they are looking out for us and working as hard as we are on our financial well-being. We are so grateful for all of their fantastic help.

-Simon & Anna

The following are a few of our client testimonials (in the client’s own words), regarding how working with us improved their current financial situation for the better.



Just keep doing what you’re doing now – strong customer service.  Many thanks to Bob for the sound advise that will save me money.”

–Michael Weldon


“You and Katie are the best!  I will refer you when I find someone who needs the best.”

–Ken and Betty Potalivo


“Bob and Katie were both very knowledgeable, pleasant, and have excellent skills. We will definitely recommend you when the opportunity arises.”

–Christian Speidel & Robyn Phelps


Dear Bob,

My staff and I want to thank you for the wonderful service you have given to our buyers over the years.  Thanks to your mortgage knowledge and attention to detail we have accumulated a long list of happy buyers with the “best loans and rates.” Many homeowners have personally told me what a pleasant experience they had with Bob Howe and his team.  You always put the needs of the buyer first as this is the same philosophy we have developed at Manning Homes.

We have sold homes in many different price ranges over the years and you have always been able to find the right loan programs to meet our buyers’ needs.  In addition, our Manning Homes sales staff appreciates your professional manner and willingness to go the extra mile.  You help has not gone unrecognized.

With our upcoming new homes I know you will be busy offering our homebuyers the best loan options available for a long time to come.  Keep up the good work.

–James C. Manning

President, Manning Homes


“Thank you Bob for excellent service, processing the loan in an expedient manner and making it easy for us.”

–Mark & Denise Kruger


“My clients were very appreciative of my referring Bob to them.  He was responsive to their needs and kept them updated at all times.  I would not hesitate to refer Bob to my clients.”

–Jamie Wilkinson

Re/Max Premier Realty


Dear Bob,

“We so appreciate your guidance through the financing process.  You clearly explained our options, kept us regularly updated on the progress, and went out of your way to meet our tight timeline.  Most of all, we appreciated your warmth.  Thank you.”

–Lisa Swango



“You were great to work with on our loan.  We will look forward to working with you again.”

–Bill & Carolyn Tachovsky


“Bob went the extra step to accommodate me and displayed utmost integrity.   He proactively alerted me about the recent increase in the conforming loan amount and this was after my loan was in process for approval.”

–Bill & Kristin Dolan


“Bob was very professional and kept me informed throughout the process.”

–Dr. Khoi & Katlyn Nguyen


“Bob Howe deserves special recognition for his patience in explaining the terms and practices in the mortgage industry; Katie for her diligence.”

–Henry and Fiona Rhodes


“Bob and Katie did a fantastic job on going beyond what would be called or expected.  Thanks, Bob!  Great job Katie!”

–Dr. Khoi & Katlyn Nguyen


“Both Bob and Katie kept me well informed and were pleasant to work with.”

–Sheila Hillinger


“Keep up the detailed work.  Excellent job for this first time buyer and the counseling you offered.  Katie was very confident in her communication skills.”

–Realtor Andy Paul for his client Nick Longenbach