Top-Rated Mortgage & Home Loan Programs

At KHoward Mortgage Team, we understand the importance of having options, especially when it comes to home financing. Our team of Mesa home loan lenders has years of experience providing home buyers with a variety of loan programs. Whether you are in need of a conventional loan, FHA home loan, jumbo home loan, VA home loan, want to refinance your mortgage, or if you are a first-time home buyer in need of down payment assistance, our Mesa mortgage experts are here to help. We can help you obtain the home loan that meets your financial goals, needs, and suits your lifestyle.

Arizona Mortgage Calculator

Calculate your monthly mortgage payments, interest rate, property taxes, and home insurance!

Home Affordability Calculator

Evaluate how much real estate you can afford with our quick and simple affordability calculator.

Arizona Refinance Calculator

Determine whether refinance is the right choice for you with our easy-to-use refi-calculator.

Home Loan Types

Our Mesa home loan team understands the importance of having flexible loan options and Arizona mortgage refinancing, especially when it comes to financing your home. KHoward Mortgage Team has years of experience providing home buyers and homeowners with top-rated mortgage services, knowledgeable guidance, and the utmost customer care. No matter the circumstance, we can find a Mesa home loan to fit your needs and financial goals.

Conventional Loans

Enjoy peace of mind with low, consistent, and stable-rate monthly mortgage payments. Learn more about conventional home loans and conventional mortgage loans with the link below.

FHA Loans

Finance your home with security; AZ FHA home loans are insured by the FHA, or Federal Housing Administration. Refinance or buy with lower down payments & easier credit qualifications.

VA Loans

Some United States military veterans may be elibile for a home loan through the Department of Veteran Affairs, which offers special mortgage rates and housing programs for active duty and veterans.

Jumbo Loans

Upsizing your home for more space or to fit a new family member? Obtain home financing at more affordable terms. Purchase or refinance a luxury home and take advantage of today’s low rates.

Down Payment Assistance

Some first-time home buyers and other buyers may qualify for low-rate down payment assistance programs. See if you qualify for valuable down payment assistant programs and grants.

First Time Home Buyers

Are you considering purchasing your first home? Don’t start searching without a pre-qualification. Get the mortgage financing and down payment assistance you need for your first home purchase with our Arizona first time home buyer loan programs.

Manufactured Home & Mobile Home Loans

Get the best mortgage rates and the fastest loan turnaround times with the manufactured home loan lenders and mobile home mortgage bankers at KHoward Mortgage Team in Mesa, Arizona.

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Not sure if KHoward Mortgage Team is the right Mesa mortgage broker for you and your family? Read what our customers have to say about our comprehensive mortgage services.

“Overall ease of the process for my first loan. I could but see what the star rating was on the previous pages, but it was 5 star all the way. Thank you everybody. ★★★★★

Ryan A. • Tonopah, AZ

“Kirk is the best! A true professional! Does what is best for his clients. He has closed several loans for me over the years and has always come through. Thanks Kirk! ★★★★★

Patrick L. • Gilbert, AZ

“Thank you Kirk very much for all the hard work and im pleased with the out come make sure to let your team was so professional with me. You guy’s are the best. ★★★★★

Abelardo M. • San Tan Valley, AZ

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

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