Pat Howard

Senior Mortgage Banker, NMLS #545234

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2397 Huntcrest Way

Lawrenceville, GA 30043

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770-403-8835

pat.howard@amerisbank.com

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How can I help you achieve your goals?

Since his start in 1988 as a mortgage banker, Pat has the knowledge and expertise to guide his clients to the right program. Pat, along with the Ameris Bank team, will always keep their clients informed and ensure loans are closed on time. Pat is happy to provide referrals from his long-time real estate professionals and satisfied customers. Buying a home is one of the biggest purchases most of us make. We've seen it all. And we understand how you feel. Once you finally find the perfect home, let us help you quickly find the perfect mortgage.

Specialties

Adjustable Rate Mortgages

FHA Loans

Fixed-Rate Mortgages

Loan Process

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When You Apply

Borrower's Checklist

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Mortgage Calculators

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.

Time to Refinance Home Affordability Compare Mortgage Loans Calculate a Mortgage Payment Rent or Buy Mortgage Payoff Income Required for Mortgage

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