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    Walter and Emily Howard The Howard Team at Fairway Home Mortgage NMLS 85438 & 1633389

    @walterandemilyhoward

    Mortgage Advisor Loan Officer

    Fairway Home Mortgage

    Mortgage Loan Officer

    Federal Way, WA
    7Articles

    About Walter

    Walter and Emily Howard | Federal Way Mortgage Lender | The Howard Team at Fairway Home Mortgage Walter and Emily Howard are nationally recognized Mortgage Advisors and leaders of The Howard Team at Fairway Home Mortgage, helping homebuyers throughout Maple Valley, Black Diamond, Covington, Auburn, Enumclaw, Federal Way, Puyallup, and across King and Pierce County, Washington secure the right home loan with confidence. Since 2018, Walter and Emily have consistently ranked among the Top 1% of Mortgage Originators in America, helping hundreds of families each year successfully purchase and refinance homes. Their team is known for fast pre-approvals, strong communication, and smooth closings, making them a trusted choice for buyers and real estate professionals looking for a reliable mortgage lender in the Puget Sound region. The Howard Team has earned the trust of their clients and referral partners through exceptional service, reflected in over 1,000 combined five-star client reviews on Experience.com. Their reputation is built on transparency, education, and helping borrowers understand their financing options so they can make confident decisions. As part of Fairway Home Mortgage, one of the nation’s largest and most respected independent mortgage lenders and a leader in customer satisfaction, The Howard Team offers a full range of home loan programs in Washington State, including conventional loans, FHA loans, VA loans, USDA rural housing loans, jumbo loans, renovation loans, reverse mortgage purchase loans, and refinance options. Walter and Emily specialize in helping first-time homebuyers, move-up buyers, luxury home purchasers, and homeowners exploring refinance opportunities. Whether clients are buying their first home or financing a multi-million-dollar property, their team provides personalized guidance and strategic mortgage planning every step of the way. If you’re searching for a mortgage advisor in Maple Valley, a home loan lender in King County, or a trusted mortgage team serving Pierce County, Walter and Emily Howard are committed to helping you secure the right financing and achieve your homeownership goals.

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    Fairway Home Mortgage
    Mortgage Advisor Loan Officer
    Location
    Federal Way, WA
    Website
    walterhowardloans.com
    Member since
    June 2026

    Walter's Articles

    Why Economic Turmoil Can Push Mortgage Rates Down

    mortgage

    Why Economic Turmoil Can Push Mortgage Rates Down

    Recessions, depressions, and global wars have historically pushed mortgage rates lower.

    Sep 17, 2026·6 min read·71
    mortgage
    Home Buying
    Smart Strategies for King & Pierce County Home Buyers

    Mortgage Rates

    Smart Strategies for King & Pierce County Home Buyers

    Learn how to use seller concessions and rate buydowns to lower your monthly mortgage payments in today's King and Pierce County markets.

    Aug 12, 2026·8 min read·60
    Mortgage Rates
    Rate Buydown
    Cost to Buy a Home in King & Pierce County (2026)

    Home Buying

    Cost to Buy a Home in King & Pierce County (2026)

    Discover how much cash you need for a down payment and closing costs in King and Pierce County, WA in 2026 — plus the support programs that can cover them.

    Aug 10, 2026·10 min read·113
    Home Buying
    King County
    Should You Buy a Home Now or Wait for Rates in Washington?

    Mortgage Rates

    Should You Buy a Home Now or Wait for Rates in Washington?

    With inventory up 16.4% in King and Pierce County, learn why waiting for rates to drop could cost you $30,000+ in appreciation and lost negotiating power.

    Jul 20, 2026·10 min read·90
    Mortgage Rates
    Real Estate
    Refinancing to Pay Off High-Interest Debt (2026 Guide)

    Mortgage Planning

    Refinancing to Pay Off High-Interest Debt (2026 Guide)

    Drowning in high-interest debt with no monthly cash flow? Trading a low mortgage rate for a 2026 refinance could recover $1,000+ per month in breathing room.

    Jul 8, 2026·8 min read·150
    Mortgage Planning
    Debt Consolidation
    How Much House Can I Afford in King and Pierce County?

    Mortgage Rates

    How Much House Can I Afford in King and Pierce County?

    Calculate your home buying power in Washington. See the income needed for a home in King and Pierce County with current 2026 mortgage rates and median prices.

    Jul 4, 2026·5 min read·81
    Mortgage Rates
    Home Buying

    Showing 6 of 7 articles

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