Howard Karloff photo

Contact me

614-C S. Business IH 35
New Braunfels, TX 78130

(830) 632-5000

(210) 855-6996

NMLS employee number: 781850

NMLS branch number: 1786138


About me

Howard Karloff

At Your Service

I am a native of Philadelphia.

I have been active in banking since 1992 when I was part of a team developing the Bi- Weekly mortgage program.

In 2004 I became a mortgage originator in Texas and actively marketed a product for “Heroes” mortgage programs.

Since then I have helped 100s of first time home buyers and trained loan officers to assist “Teachers, Police, Fire fighters, first responders and government employees obtain mortgages.

I work directly with TSAHC, MCC and SETH 5Star Programs

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

I look forward to working with you.