About 2018-09-14T17:59:57+00:00
Photo of the team members and Mesa mortgage brokers at KHoward Mortgage Team in Mesa Arizona

About Our Arizona Mortgage Lenders

KHoward Mortgage Team has over 23 years of working with Real Estate Professionals and outstanding clients throughout the Valley. Kirk Howard’s number one goal is to exceed both client and Real Estate Agent expectations. Our team can provide almost every loan possible: Conventional, Jumbo, FHA, VA and we also have First-time Homebuyer programs. The KHoward Mortgage Team has the ability to close loans in all 50 states! And one great bonus is that Union Home Mortgage services all our loans. Please give our team a call anytime to discuss your home loan needs.

480-442-8834
Meet the Team
Kirk Howard, owner and best Mesa mortgage lender at KHoward Mortgage Team

Kirk Howard

Branch Manager

Kirk and KHoward Mortgage Team have over 20 years experience in the mortgage industry. Kirk Howard has been ranked in the top 1% of Originators in the last three years. KHoward Mortgage Team has helped over 4,000 clients obtain the American dream of homeownership. His team is amongst the best in the industry and their goal is to always exceed expectations.

Kirk has lived in Mesa, Arizona over 30 years. He met his beautiful wife Julie in 1989. They have three amazing boys, John (24), Dakota (23), and Chase (21). Kirk prides himself in always including his entire family in all activities he does outside of work. The family enjoys many recreational sports activities and hanging out with each other in Flagstaff, where the boys attend NAU.

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, Kirk is a firm believer in exceeding customer service and offering the most competitive pricing. Through working with Union Home Mortgage, a Direct Lender, Kirk has continued to be one of the most knowledgeable Loan Officers in the industry.

Julie Howard, production assistant at KHoward Mesa Mortgage Team

Julie Howard

Production Assistant

Julie Howard joined her Husband Kirk Howard in the Mortgage Industry in 2011 as a Loan Officer Assistant. She has been in the Real Estate/Mortgage Industry over 18 years in the East Valley of Arizona. She brings energy, creativity and personal knowledge to her work. You can be assured that she will say on top of all the details of a deal to provide a smooth transaction.

She has lived in Mesa, Arizona over 31 years with her wonderful family. She has been married to her husband Kirk for 27 years. They have three amazing sons John (24) Dakota (23) and Chase (21). She takes pride in helping many families accomplish their housing dreams.

Shelley Rikli, Mesa AZ home mortgage production assistant

Shelley Rikli

Production Assistant

Shelley Rikli joined Kirk Howard in the Mortgage Industry in 2016 as his Assistant/Licensed LOA. However, she is no stranger to the industry. She has been in the Real Estate/Mortgage Industry for over 18 years in the East Valley of Arizona.

She brings a level of professionalism, excellent communication skills, as well as her personal knowledge to her work. You can be comforted knowing that your deals are in good hands.

Shelley has lived in Arizona for over 35 years. Outside of work, Shelley enjoys baking and spending time with her family. She has been married to her amazing husband Andy for 15 years and they have two wonderful children: a daughter named Kendall (13) and a son named Austin (12).

She loves being part of a team that helps in making a family’s dream of homeownership become reality!

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Customer Reviews

Read what our customers have to say about us.


It was the best experience I’ve had when it came to refinacing my home.kirk and his team were spot on on everything.pleasure doing business with him.thks kirk for a great job!Top-Rated Mortgage Team in Mesa, Arizona
Gilbert, AZ
Thank you for keeping me informed of the progress and walking me through the steps of the refinance. This was a wonderful experience and I am very pleased with the outcome.Top-Rated Mortgage Team in Mesa, Arizona
Mesa, AZ
Kirk kept me informed and helped me figure out all my loan options so I could choose the best one for me! Kirk, Julie and the rest of the team made the process painless and quick, I would recommend them!Top-Rated Mortgage Team in Mesa, Arizona
Mesa, AZ
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Get In Touch

KHoward Mortgage Team has been working with great agents and clients since 1997.

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Contact Us

PHONE
480-442-8834
ADDRESS
2913 N Power Rd #108
EMAIL
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HOURS
Mon — Fri 9AM to 5PM
FAX
480-719-8808
KHoward Mortgage Team