About Ron Howard

Rethink + Retool

Something  my clients repeatedly tell me is, " That was so much easier than I expected."  This is my goal for you.

As with anything, the more educated you are and the stronger sense of familiarity you have with the lending process , the more confident and  comfortable  you will be with your decisions. I pride myself on educating my client and demystifying the lending process  ,  which can be daunting ,  especially given the recent financial landscape .  Since, mortgage is, for most of us, a sizable portion of our financial portfolio , your mortgage is a product that needs to fit you today looking into tomorrow. Let me help you rethink how you feel about your mortgage and how it can best serve you.

Convenience + Advantage

Whether you  are  buying your first home, refinancing, transitioning from one home to another, relocating, etc., my goal is to make your experience a comfortable and informed one. I make myself available to my clients around the clock – including evenings and weekends. We’ll work on your timeline and at your convenience. On Sunday afternoon when you find just that right house and it is more than we had calculated, rest assured  that a simple phone call can get you the answer to "just how much does that  affect  my payment?" Being able to react quickly in a competitive market gives you advantage. I  am here and available to offer options and insight.

Choice + Solution

As one of the largest private lenders on the  west  coast, Cobalt  Mortgage has access to literally hundreds of loan products with lenders both local and nationwide. As your ‘personal shopper’ I can leverage those resources to help you find just the right product at the right price and rate. Is a fixed or adjustable rate better for you? Is there a hybrid solution that may better address your current situation? Jumbo loan? Low down payment? First time home buyer? I can steward you through this process and help guide you through your choices to arrive comfortably at your goal.

Vision + Strategy

Your personal goals and their effect on your finances are fluid. Today’s best option may not be in line with tomorrow’s or next year or the year after that. With vision and strategy let me show you how your mortgage can be more than a simple financing utility  and  how to maximize cash flow and address your financial needs both today and in the future. Interested in building a real estate portfolio? Saving for college? Retirement? Vacation home? Let’s find the shortest distance between point A and point B and help you  achieve your life goals .

I look forward to working with you.