Licensing & Disclosures

Company Licensing

Howard Funding LLC is a licensed mortgage broker operating under NMLS #2327545 and Arizona Mortgage Broker License #MB-1035983. Our loan originator is Chance Howard. You can confirm our licensing status and view our record on the NMLS Consumer Access website, the official system of record maintained by the Nationwide Multistate Licensing System & Registry.

Equal Housing Opportunity

Howard Funding LLC is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate against any applicant or borrower on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, or because all or part of an applicant's income is derived from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Mortgage Disclaimer

The information on this website is provided for general informational purposes only and is not a commitment to lend. All loans are subject to credit approval, income and asset verification, and a satisfactory property appraisal. Interest rates, program terms, and conditions are subject to change without notice and may vary by borrower qualifications, loan type, and property. Not all applicants will qualify. This website is not an advertisement for any specific interest rate or loan program.

States Licensed

Howard Funding LLC is licensed to conduct business in the State of Arizona. We are not able to offer or arrange financing in states where we are not licensed.

Broker Compensation Disclosure

As an independent mortgage broker, Howard Funding LLC is compensated for arranging your loan. Broker compensation may be paid by the lender, by you, or built into your rate, and it is disclosed to you in your loan documents as required by law. We will explain how we are compensated on your transaction before you commit, so there are no surprises at closing.

Complaints & Regulatory Contact

If you have a concern or complaint about our services, please contact us first so we can help resolve it. You may also contact the regulators who oversee our licensing:

• Arizona Department of Insurance and Financial Institutions (AZDIFI), the state agency that regulates mortgage brokers licensed in Arizona.
• Nationwide Multistate Licensing System & Registry (NMLS), verify our license and file information through NMLS Consumer Access.

This is not a commitment to lend. Rates and terms are subject to change and vary by borrower qualification and property. Equal Housing Lender.