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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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closed
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9 AM to 5 PM
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9 AM to 5 PM
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Reviews from Web
  • 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...
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    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...
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    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...
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    Matthew T T
    ANNISTON, AL
    Posted on September 23rd, 2025 04:29 PM
    Kris , was awesom. was great all the way through the ole proces.
    Reply from Kris Howard
    October 3rd, 2025 04:30 PM
    I'm pleased to learn that you had a good experience throughout the process, Matthew. Ensuring a positive journey is always my goal. If you need any further assistance or have questions in the future, feel free to reach out.
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    Jason L P
    SAINT CLOUD, MN
    Posted on September 9th, 2025 12:56 PM
    From the very first call I received from Kris he made me feel confident that we were making the right choice for ourselves financially. Kris was easy to communicate with and guided us when we needed it. I would highly recommend him to anyone!...
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    Reply from Kris Howard
    September 19th, 2025 12:58 PM
    It's wonderful to know that you felt confident and well-supported throughout the process, Jason. I strive to ensure clear communication and guidance, so I'm glad this resonated with you. Thank you for your recommendation, and if you ever need...
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    Thomas K
    NEW OXFORD, PA
    Posted on August 27th, 2025 02:53 PM
    Kris Howard helped us with everything from start too finish
    Reply from Kris Howard
    September 6th, 2025 02:54 PM
    It's great to know that I could assist you throughout the entire process, Thomas. Making sure things run smoothly for you from start to finish is always important to me. If you have any more questions or need assistance in the future, just...
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    Joshua D
    MUSSEY, MI
    Posted on August 27th, 2025 10:47 AM
    All good will let people know what a good experience it was
    Reply from Kris Howard
    September 6th, 2025 10:49 AM
    I'm happy to hear that you had a positive experience, Joshua. Thank you for considering sharing your thoughts with others. If you ever need further assistance or have any questions, I'm here to help.
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    Melissa A S
    Greensburg, PA
    Posted on August 26th, 2025 12:42 PM
    Great communication through the whole process
    Reply from Kris Howard
    September 5th, 2025 12:42 PM
    Thanks for highlighting the communication, Melissa. Keeping you informed every step of the way is something I focus on, so I'm glad it made a positive impact on your experience. If you have any further questions or need anything else, feel...
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    Dana L A
    ROCKVILLE, IN
    Posted on August 3rd, 2025 11:25 AM
    Im glad they could help me
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    S
    Susan S
    KNOX, IN
    Posted on August 1st, 2025 04:51 PM
    Both Kris and Lisa were personable, courteous, and professional. They made the whole refinancing experience much easier than I expected.
    Reply from Kris Howard
    August 11th, 2025 04:53 PM
    I'm so pleased to hear that you found both Lisa and me personable, courteous, and professional, Susan. Making your refinancing experience easier than expected is always my goal. If there's anything else I can do for you or if any questions...
    read more
  • 11–20 of 29
    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
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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.