Howard Bono - NMLS #293827

08/06/2026

06/23/2026

If you bought your home a few years ago, there's a good chance it's worth more than you think. (Zillow tends to be off quite often)

The market has shifted a lot. Most homeowners haven't actually looked at what their home is worth since they bought it, and the number can be pretty surprising.

I put together a free quiz that gives you a personalized snapshot of your home's current value based on what's actually happening in the market right now.

Takes about two minutes. I'll put the link in the comments.

06/11/2026

5.0 star review received on Experience.com for Howard Bono - Mortgage Expert NMLS # 293827 by Lauren C - Applying for a loan with Howard is fun and he is soo talented! Call him today!!

Click to see all 218 reviews of Howard Bono - Mortgage Expert NMLS # 293827, VP of Mortgage Lending

06/08/2026

The 20% Down Myth
Crazy how many people still think you need 20% down to buy a house.

I talk to people every week who think they need to save $60,000 or $80,000 before they can even start the process. That's a ton of money, and that number keeps them renting for years when they could have actually bought a home.

There are loan programs that let you buy with 3% down. That's only $12,000 on a $400,000 house. Some programs let you do even less. If you're a veteran, you can buy with zero down. We even have zero down programs for non-veterans. The math on what you really need is probably way lower than what you've been assuming.

I have a free quiz that walks you through a few quick questions and tells you exactly where you stand. Takes about two minutes. Link is in the comments if you want it.

03/17/2026

5.0 star review received on Experience.com for Howard Bono by Sadie C - This is my 3rd home purchase with Howard, he finds a solution to everything and I would recommend him to everyone I know! His team is great to work with as well keeping us informed every step of the way!

Click to see all 210 reviews of Howard Bono, Mortgage Advisor | NMLS # 293827

02/25/2026

5.0 star review received on Experience.com for Howard Bono by Sandra E - Howard and his teammate Sally made this experience smooth and straight-forward. Having a significantly lower rate after a 3 week process was better than I'd hoped when we first talked. I definitely recommend Howard and Sally to anyone looking to better their mortgage payment.

Click to see all 209 reviews of Howard Bono, Mortgage Advisor | NMLS # 293827

02/25/2026

While many buyers today have strong credit, perfect credit isn't a requirement to buy a home. Some buyers are still qualifying with credit scores in the 600s, and there's no universal cutoff that applies to everyone. The most helpful next step is a real conversation about where you stand, what options exist, and whether improving your credit is even necessary right now.