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Kris Howard - AnnieMac Home Mortgage - Mortgage Loan Originator | NMLS# 1555049 in Ponte Vedra, FL

Kris Howard - AnnieMac Home Mortgage

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Mortgage Loan Originator | NMLS# 1555049

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Kris knows that buying or refinancing a home is the biggest financial decision of his clients’ lives. That’s why he makes a point of consulting with his clients throughout the entire loan process, so they are well educated and active partic...... Show More
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Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
Overall Ratings
4.6
(26)
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Reviews from Web
  • 4.83
    Encompass
    J
    Jose F C
    Syracuse, IN
    Posted on March 17th, 2026 10:05 AM
    Everything was well explained and any questions I asked were answered in the best response possible. Everything was done in a timely manner
    Reply from Kris Howard
    March 27th, 2026 06:38 PM
    Jose, I'm happy to know that the explanations were clear and your questions were addressed thoroughly. It was important to me to ensure everything was handled promptly. If you have any more questions or need assistance, feel free to get in...
    read more
  • 5.0
    Encompass
    J
    Juanita E
    HOUSTON, TX
    Posted on February 25th, 2026 12:09 PM
    Excellent communication great follow up refinance process was beyond expectations Thank you for all your assistance and hard work
    Reply from Kris Howard
    March 9th, 2026 05:35 PM
    I appreciate your kind words, Juanita. It's rewarding to know that the communication and follow-up met your expectations. I'm pleased that the refinancing process went smoothly for you. Should you have any further questions or need additional...
    read more
  • 5.0
    Encompass
    G
    Georgina E
    HOUSTON, TX
    Posted on February 25th, 2026 11:57 AM
    It was an easy process
    Reply from Kris Howard
    March 9th, 2026 06:32 PM
    I'm glad to hear that you found the process straightforward, Georgina. If there's anything else you need or if you have further questions, don't hesitate to get in touch.
  • 3.83
    Encompass
    N
    Nicholas H S
    STARKE, FL
    Posted on February 21st, 2026 10:11 PM
    We refinanced so this was a much easie process , but we still had some communication issues towards the end.
  • 5.0
    Encompass
    R
    Robert P S
    DOUGLASSVILLE, PA
    Posted on February 13th, 2026 11:25 PM
    Hello, my wife and I had recently attempted to refinance our mortgage with two other companies before AnnieMacs Kris Howard reached out to me I was seriously at my witts end with the process due to the two companies I was being harassed by...
    read more
    Reply from Kris Howard
    February 24th, 2026 08:19 PM
    Robert, thank you for sharing your experience. It's great to hear that I could provide a reassuring presence during your refinancing journey with AnnieMac. I understand how stressful dealing with multiple companies can be, and I'm pleased that...
    read more
  • 5.0
    Encompass
    D
    Donald P S
    ALLENTOWN, PA
    Posted on January 31st, 2026 05:59 PM
    Excellent communication...quick response and transactions
    Reply from Kris Howard
    February 10th, 2026 06:00 PM
    Donald, I appreciate your review. It's great to know that the communication and response times met your expectations. If you have any more questions or need further assistance, feel free to reach out.
  • 5.0
    Encompass
    F
    Felix K G
    Broadlands, VA
    Posted on January 13th, 2026 02:28 PM
    Thr team was patient with me and walked me thru the process!
    Reply from Kris Howard
    January 23rd, 2026 02:28 PM
    Felix, thank you for sharing your thoughts. I'm glad to hear that the team was patient and helped guide you through the process. If there's anything more I can assist you with, please let me know.
  • 4.83
    Encompass
    M
    Madison M D
    ALACHUA, FL
    Posted on December 25th, 2025 12:01 PM
    Kris H . was the easiest person to work with, he always responded when we reached out and was reassuring and optimistic throughout the process!
    Reply from Kris Howard
    January 5th, 2026 03:14 PM
    I'm grateful for your feedback, Madison. It's wonderful to hear that you found me easy to work with and that my responsiveness and optimism made a positive impact during your experience. Should you have any more questions or need assistance...
    read more
  • 5.0
    Encompass
    E
    Ellis R
    CAMERON, NC
    Posted on November 15th, 2025 01:26 PM
    Kris was very informative about the options and process. Once we made the decision to proceed, everything was aschecdtatedcsbd done very quickly.
    Reply from Kris Howard
    November 25th, 2025 07:35 PM
    I'm pleased to know that you found the information I provided about the options and process helpful, Ellis. It's always my aim to make the experience as smooth and efficient as possible once a decision is made. If you have any further questions...
    read more
  • 4.5
    Encompass
    O
    ORLANDRA N C
    WILLIAMSBURG, VA
    Posted on October 20th, 2025 10:57 AM
    Kris was very nice and reached to me to let me know about the streamline program and that it would help me reduce my mortgage payments. He helped me through the whole process and answered my concerns.
    Reply from Kris Howard
    October 30th, 2025 04:22 PM
    I'm glad to hear that I was able to assist you with the streamline program and help reduce your mortgage payments, Orlandra. It's important to me to be there for my clients throughout the process and address any concerns you may have. If there's...
    read more
  • 10 of 26
    About
    Kris knows that buying or refinancing a home is the biggest financial decision of his clients’ lives. That’s why he makes a point of consulting with his clients throughout the entire loan process, so they are well educated and active participants in the transaction. He has an extensive background in all facets of mortgage lending and assisting his clients with many different needs, whether they are a homebuyer looking to purchase a new home or current homeowners looking to benefit from refinancing. His expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans. His focus is on not merely getting his clients a loan but finding the best loan for them.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Specialities
    Conventional
    FHA
    USDA
    VA Loans
    Jumbo
    Non-QM
    Cash Offers
    Renovation 203k
    View All
    167
    /850
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    Year Started

    2011

    Time Zone

    Eastern Standard Time (EST)
    Disclaimer

    ©2026 American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage). Corporate NMLS# 338923 (http://www.nmlsconsumeraccess.org/). AnnieMac Home Mortgage is an Equal Housing Opportunity. For a complete list of our licensed states visit: https://annie-mac.com/licensing. American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture, or any other Federal Government Agency.