Mortgages,
handled with
quiet precision.

"I had the absolute pleasure of working with Kristin Howard on three separate deals, and I can confidently say that she is an incredible professional. Each time, Kristin made the entire process seamless, stress-free, and efficient. Her attention to detail, clear communication, and dedication to her clients are unmatched. If you're looking for someone who will go above and beyond to ensure a smooth transaction, Kristin Howard is the one you need."

"I had the honor of working with Kristin Howard, I have to say she is the best. Even though my process was complicated with multiple obstacles, Kristin never gave up on me and instead was very smart with a lot of knowledge and experience which helped resolve and overcome every obstacle with a great attitude. I'm giving her 5 stars because I couldn't find the 1000 stars button. Thank you so much Kristin!!"

"I've had the pleasure of working with Kristin Howard for the last three years. She has been a substantial asset to my business, no matter the loan size. She is dedicated to her work and facilitating the process. If one is trying to obtain commercial financing, residential, or investor residential financing she is the authority and go-to. Kristin has worked under short deadlines and has never failed to fund a loan for me."

"Kristin Howard is genuinely helpful, knowledgeable, and accommodating. She went out of her way to assist us not once but three times now. Home purchase, home equity loan to update and upgrade our home, and refinance. VA loans she's hands down the best!"

"I worked with Kristin Howard to refi my home and she made the process so easy! She is very knowledgeable and experienced and was able to answer all of my questions. She got me a great rate and saved me a ton of money. I highly recommend Groves Capital for your home loan needs!"

"Kristin was hands down the most dedicated and hard-working loan specialist I have ever witnessed. I have closed over 10 loans in the last 3 years, and Kristin was hands down the most experienced, knowledgeable and dedicated person I have worked with."

"I worked with Kristin Howard and she was absolutely amazing! She was extremely efficient, professional, stood up for me when dealing with difficult third parties, and was an overall joy to work with on buying my first home."

"Kristin Howard was the most amazing representative I had the pleasure of working with! She was performing duties that she did not have to do just to accommodate my schedule as a service member. She was very knowledgeable and responsive."

"It was a pleasure to work with Kristin, an excellent agent, schedule availability and response and highly recommended quick solutions / she make it happen one way or the other."

"I could not have asked for anyone better than Kristin Howard to assist me in refinancing my VA home loan. She was very prompt in communications, extremely courteous and exceptionally knowledgeable. Kristin always ensured all of my questions were answered, clearly broke down all of my options, kept me well informed, and updated me on the progress every step of the way. It was a pleasure working with Kristin; her assistance made all the difference throughout this process and took less than 30 days to close. Thank you!"

"Kristin Howard was phenomenal throughout our entire VA Loan Refinance!!! As a member of a family of military Veterans, she was extremely knowledgeable and ensured our family was comfortable from the first phone call to rapidly closing with minimal distress. She identified an erroneously entered credit report, provided detailed methods to correct it, and acted as our personal representative with Experian to resolve it with a Senior Manager. Her expertise was essential to enabling our refinance to receive the absolute lowest rates and eliminating standard Origination and Loan Fee costs — ~$5K of savings."

"The loan process was great and very easy to understand. The loan officer Kristin Howard was great and made it a very easy and simple experience. I will give a great referral to all whom I know that has a need for a VA home loan or refinance."

"This was the best experience I have had with a mortgage company. My loan officer Kristin Howard put my mind at ease and helped me every step of the way. She made it her mission to be quick and responsive even when she wasn't in the office. I'm very happy with the results."

"We can't say enough about Kristin Howard!!! Not only was she extremely professional, knowledgeable and an absolute pleasure to work with, once your loan closes she does not disappear or become impossible to contact. We had not received a document we were expecting and contacted Kristin for follow up — she reviewed our file, identified the error and made appropriate contact to correct our situation, with continual updates to us. I would highly recommend Veterans First!"

"Kristin Howard is a saint and a definite asset to Veterans First! She exemplifies dedication, professionalism, knowledge and patience. She makes you feel important and erases uncertainty when journeying through the most important investment in your life. I would highly recommend ANYONE to request Kristin to assist them at Veterans First!"

"Worked with Kristin Howard who was very helpful getting us over a few hurdles on the way to getting our loan. She was patient, experienced, and willing to go the extra mile when things didn't go as they should have."

"Kristin Howard has been amazing. She was so thorough and patient during the entire process and was quite knowledgeable. Kristin was able to answer any questions and genuinely listened to concerns. We are so thankful we had such a wonderful person to work with."

"The process was a bit daunting but Kristin Howard was wonderful. She helped us overcome obstacles that neither she nor we had created. All in all, we made it through and look forward to doing much-needed improvements on our home."

"I am a disabled vet and Kristin Howard worked on our refinance. She helped us through every step of the way. Returned phone calls that same day or the next if she wasn't in the office. We got a great finance rate and we are going to be saving a lot of money. Very knowledgeable on all the paperwork that she processes. I am very glad I decided to go with Veterans First Mortgage."

"Kristin Howard was great, she was very knowledgeable and made it all very easy."

"We called Veterans First and have been treated with respect and courtesy. We worked with Kristin Howard and can tell you there is no one better. She is professional and helped us at every turn, she explained everything clearly so we could understand. She was always there when we called or got right back to us quickly. She made something that can be very stressful seem much easier than I'm sure it was."

"Kristin Howard was excellent with everything. She took the time to help me after a horrible experience with another lender. She touched base every couple months and when the time was right she got it done FAST! I absolutely look forward to working with her again and highly recommend it!!!!"

"I would recommend Kristin Howard as she is the best!!! Kristin gives you a direct line to her desk to start off with. She is there from start to finish and answers your questions. Thank you for everything."

"We had the pleasure to work with Kristin Howard to refinance our home. She was very helpful and guided us through the whole process with kindness and professionalism. We were very surprised how quick and easy it was. Thank you!"

"My experience with Veterans First Mortgage has been phenomenal! Kristin Howard was an absolute joy to work with. She is fast, efficient and extremely knowledgeable. I have refinanced and purchased many homes in the past and this has been the absolute most pleasurable and nonstressful experience ever. Kristin Howard was the key ingredient — that girl really knows her stuff! A++++ for Kristin Howard!"

"Process went smooth, Kristin is phenomenal — always kept us informed. Promptly returned our phone calls or emails throughout the process, which wasn't an easy task as we are in two different time zones at the moment. She is extremely professional and definitely working for our Veterans!"

"This young lady Kristin Howard is the best person to work with. She does an awesome job to see that the job is done right. And if you think you're not getting anywhere, she pulls it off and works hard for you. Here's to you, Kristin — hope your bosses appreciate the great hard-working employee they have. I really appreciate all you did for me. God Bless."

"Kristin Howard is excellent to work with — she knows her stuff and is easy to talk to. Kristin made the whole loan process easy and fun. I wish there were more people like her; she cares about the veterans and her job. She made it stress free. I can't say enough great things about Kristin."

"Kristin Howard was absolutely the best. She walked me through the whole process and kept in touch every day. I would and will recommend them to everyone I can. This was the best experience I had refinancing. Thank you."

"Kristin Howard was very professional and hardworking. I couldn't imagine a better person to have handled my case. Thank you so much for helping me with getting my home refinanced with the VA."

"My mortgage lady, Kristin Howard, was the best person I have had dealing with many other mortgage companies. She was very polite, to the point and very enjoyable to talk to all the time. It was a very fast time in getting things done and very easy. I will recommend her and Veterans First Mortgage to all my friends and other veterans."

"The best experience I've ever had with a customer service type situation. Kristin Howard is the best loan person I've ever worked with. When other companies said they could not get my loan to close she went the extra mile and made sure that I could get my loan. I can't tell you how much this has helped me. I am a disabled veteran and I am extremely happy for people like Kristin Howard."

"My second time working with Kristin Howard. I thought she was awesome to work with the first time, she was even better this time. Consummate professional. I highly recommend Veterans First and ask for Kristin!!!"

"I'm 63 yrs old. This wasn't my 1st mortgage loan, however, it was my easiest!!! And all because of my loan officer Kristin Howard! If I didn't understand something, she broke it down! If I had to do something on the computer that I wasn't sure of, Kristin walked me through it no matter how long it took. Her knowledge & patience was amazing to me! She is a GEM to your team!!!"

"The best service. Very personal. Relieved any concerns. Will recommend. Thanks again Kristin."

"Kristin Howard has been by far the most helpful, friendly, knowledgeable and intelligent person I have worked with. She had all the answers to any question I had and was always very pleasant. Kristin's phone calls were always returned and she never objected to my calling her with a question. Kristin is an asset to Veterans First Mortgage."

"It was a pleasure having Kristin Howard as our mortgage person. I would recommend any veteran I know who is thinking about refinancing to use Veterans First and Kristin. Kristin went out of her way to help me and to answer any and all questions we had."

"My loan officer, Kristin Howard, was fabulous!!! She was professional, courteous, knowledgeable and helpful in every way. Absolutely delightful to work with. I would recommend Veterans First to anyone."

"Kristin Howard accomplished a miracle that several companies had tried and failed at. She got me a VA IRRRL with a much lower interest rate — saving me close to $100/mo — closing in under 3 weeks when no one else could. My kids and I can't even begin to express the sheer gratitude we have for Kristin Howard putting a roof over our heads and making the impossible happen. Make Veterans First your first choice; if they can't help you, no one can."

"Kristin Howard was my loan officer and was amazing to work with. She was always available to answer all my questions and ensured I understood every document I was signing. Kristin made this a flawless experience. A true asset to her company — Kristin displays professionalism and customer service at its best. I would recommend Kristin to anyone who needs one of the best loan officers in the business!!!!"

"We did a refi of our home through Veterans First. Our loan officer is Kristin Howard. Kristin was always available and always on top of things. She is warm and caring and a delight to work with. She took care of all the details and interacted with us in a sincere and genuinely caring way. It was a real blessing to get to work with Kristin — she really walked us through the process and helped us accomplish our goal."

"Kristin was a dream to work with. She was professional, personable and genuine. I was looking to refinance a conventional loan to a VA loan to lower the interest rate and possibly cash out. She handled everything from obtaining all the docs to scheduling the appraisal and termite inspection. She was positive, upbeat and had a great sense of humor — which I believe is necessary in this business."

"I was somewhat disappointed when, after two weeks into preparing my loan, my agent had to take a leave of absence. The next sweet voice I heard was Kristin Howard. She graciously explained the situation and immediately we started going over the past two weeks of forms and documents. She laid out the plans for the coming weeks and checked in with me and kept me updated all the way through closing. I could not have been more pleased with the outcome."

"I have purchased several homes during my lifetime and financed them through several different banks. Refinancing through Veterans First Mortgage was easy and we felt respected throughout the process. Kristin Howard was our primary contact and could not have done a better job. She was knowledgeable, respectful and kept us informed each step of the way. I would highly recommend doing business with Veterans First Mortgage and Kristin Howard. Excellent job!!!!"