

Andy Milligan
Loan Originator | NMLS# 210185

My background working with home buyers led me to the mortgage industry in 1997. I quickly found that I have a knack to structure loans to fit each customer’s unique needs.
My goal for every customer is to listen first and consult second. T... Show More
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Reviews from Web
Andy is a joy to work with. Prompt, efficient, communication is excellent! I always enjoy working a deal with Andy and know my clients are being taken care of!
Reply from Andy Milligan
November 1st, 2025 01:12 PM
I genuinely appreciate your kind words, Cindy. It's great to hear that the communication and efficiency met your expectations. Ensuring your clients are well taken care of is always my priority. If there's ever anything more I can do to assist...
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Andy did such a good job keeping us informed! Would work with him time and time again!
Reply from Andy Milligan
October 29th, 2025 12:59 PM
Amanda, I'm pleased to hear that you felt well-informed throughout the process. It's important to me that our clients feel supported every step of the way. Let me know if there's anything further I can do for you.
The promptness of good helpful information for my buyer was greatly appreciated! And the communication with everybody involved was over the top!
Reply from Andy Milligan
October 27th, 2025 06:57 PM
It's great to hear that the information provided was helpful for your buyer, and I'm pleased that the communication was effective for everyone involved. If there's anything more you need or if I can assist further, please let me know.
As this was the first time going through the home buying process, the whole team at Howard Hanna was great explaining the processes to me and they were there for me when I needed them.
Reply from Andy Milligan
October 27th, 2025 01:42 PM
Lori, I'm pleased to hear that your first home buying experience was a positive one and that the team at Howard Hanna and I could support you through the process. If you have any more questions or need assistance in the future, I'm here to...
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Williingness to answer questions and guide us through the process. Thank you!
Reply from Andy Milligan
October 27th, 2025 01:17 PM
I appreciate your kind words. I'm glad I could assist with your questions and guide you through the process. If you ever need any further assistance, please feel free to reach out.
Andy worked with our different selling situations and offered us solutions so that we could complete our purchase with a HH mortgage
Reply from Andy Milligan
October 27th, 2025 01:17 PM
Barbara, I'm pleased that I could support you through your unique selling situations and provide solutions for your mortgage needs with Howard Hanna. If there’s anything else you need assistance with or have further questions, please feel free...
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Andy repeatedly exceeds expectations. His communication with clients is unparalleled.
Reply from Andy Milligan
October 22nd, 2025 01:21 PM
Kristin, thank you for your kind words. It's great to hear that my communication and efforts have met your expectations. Supporting my clients through the process is always a priority. If there's anything else I can assist with, please let...
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Service on demand speaks volume, if we needed numbers calculated on a home we were interested it didn't matter how late it was Andy was always right on it.
Reply from Andy Milligan
October 15th, 2025 11:42 AM
Nate, I appreciate your kind words about my responsiveness. Making sure you have the information you need, even outside regular hours, is something I take seriously. If there’s anything more I can assist you with, don't hesitate to contact...
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Andy and the team at Howard Hanna were great throughout the whole process. They were extremely prompt and communicative, which made everything move quickly and smoothly. They made sure I knew what was going to happen every step of the way.
Reply from Andy Milligan
October 15th, 2025 11:43 AM
Derek, I'm pleased to hear that your experience with me and the team at Howard Hanna was positive. Keeping communication open and ensuring you are informed at every stage is a priority for us. If you have any further questions or need assistance...
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We had a fantastic experience working with Andy! He was knowledgeable, responsive, and made the entire mortgage process smooth and stress-free. He took the time to explain every step clearly and always made us feel confident in our decisions....
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Reply from Andy Milligan
October 14th, 2025 01:45 PM
Jack, thank you for sharing your experience. I'm glad to hear that the mortgage process was smooth and stress-free for you. It's important to me that every step is clear and that you feel confident in your decisions. If there's anything further...
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About
My background working with home buyers led me to the mortgage industry in 1997. I quickly found that I have a knack to structure loans to fit each customer’s unique needs.
My goal for every customer is to listen first and consult second. To find a loan that truly fits a customer requires the ability to understand their needs— and what better way to do this than to listen first.
Now, with over 28 years of experience in the title and mortgage industry, having closed over 5000 transactions and carrying a 97% customer service rating, I greet every customer with my commitment to offer the very best mortgage experience possible.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
Ohio Heroes programs for fist responders, teachers and law enforcement.
Physician Loan Programs for new resident doctors.
Down payment and closing cost assistance programs for first time buyers.
HHMS offers onventional, FHA, VA, USDA, OHFA, CRA as well as some portfolio lending options.
Origination of 1-4 family residential properties.
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Positions
- Howard Hanna Mortgage - Mortgage Loan OriginatorJan 27th, 1997 - Current
Memberships
- Mortgage Bankers Association
- US Soccer Federation
- Ohio Mortgage Bankers Association, US Soccer Referee Association.
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1997
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 210185
Gallery

Awards
2024 Silver Sales ...
Achievements
- 5 Star Rating and Office Top Capture Rate
Hobbies
- Waterskiing
- ATV/4-Wheel riding, snowmobiling, hiking, kayaking, camping and anything outdoors.
- ATV and snowmobile riding, hiking, hunting and fishing. Anything outdoors.
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Disclaimer
NMLS# 101561. Terms and conditions apply. Offer of credit is subject to credit approval. Contact Howard Hanna Mortgage Services for mortgage products and eligibility. For full licensing information, visit www.nmlsconsumeraccess.org.