About Ron Howard

Rethink + Retool

One thing that my clients repeatedly tell me is, “that was so much easier than I thought.” That’s my goal.  As with anything, the more you know and the stronger sense of familiarity you have with it, the more at ease you will be.  I pride myself on educating my client and demystifying the lending process. Mortgage is, after all, only a piece of your financial landscape.  Your mortgage is a product that needs to fit you today,  let me help you rethink what you think about your mortgage and how it can serve you.

Convenience + Advantage

Whether you’re buying your first home, refinancing, transitioning from one home to another, relocating, etc., my goal is to make your experience comfortable and informed.  I make myself available to my clients 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, a simple phone call can get you the answer to “just how much does that effect our payment?”  Being able to react quickly in a competitive market gives you advantage. I’m on your side and available to offer options and insight.

Choice + Solution

As the largest private lender in the Northwest with offices up and down the West coast, Cobalt 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. Is a fixed or adjustable rate better for you? Is there a hybrid product that may better address you needs? Low down payment? First time home buyer? I can steward you through this process and help guide you through your choices toward your goal.

Vision + Strategy

Your goals and finances are fluid. Today’s best option may not the most appropriate next year or the year after that. With vision and strategy let me show you how your mortgage can be more than a simple tool to finance your home, but how to leverage cash flow and address your financial needs both today and into the future. Interested in building a real estate portfolio, saving for college, retirement, a vacation home? Lets find the shortest distance between point A and point B.

I look forward to working from you.