Howard Sacks NMLS #520158

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Howard Sacks NMLS #520158 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Howard Sacks NMLS #520158, Mortgage brokers, Clearwater, FL.

10/08/2026

Surprise Surprise! I joined a company I thought I would never join, Rocket Mortgage. The biggest mortgage lender on the planet. I was not looking to leave and was happy. Why? First Rocket is everything I thought it was not. I never take recruiting calls but Rocket was the only one that never reached out and they did and I was more curious and intrigued to find out what was happening. I have been selling against Rocket/Quicken my entire career because it was easy. There was no accountability to agents locally, they were not local' Call Center in Detroit" and were not available after hours etc. Mostly a defense mechanism to take that opportunity away. That has all changed. Rocket created The Rocket Local Team. Loan Officers and Leadership to serve their local community based on partnerships and relationships. As soon as Rocket shared their vision and goals to grow already the largest lender to something bigger and better, they had my attention. The people and culture at Rocket are first class! The value that we at Rocket provide is significant to clients and agents. Here are just a few.

1. All Conventional, FHA and VA Purchase loans receive a 1% off the interest rate for the first year on a 30 Year fixed loan for Primary and vacation homes. No we do not raise our rates to give this incentive, I checked. This is a significant savings in the current market and is subsidized by Rocket. I locked a loan yesterday and the saving on interest the first year was over $4k.

2. We do a full underwritten approval up front so when it's time to make an offer we send the commitment letter with the offer. This raises the chances of accepting an offer against cash and multiple offers. We can close our loans fast especially with doing this upfont for example, if needed in 2 weeks or less. I closed a $1million loan from start to closing in 9 days.

3. Free Credit Upgrade Team. We have our own team at Rocket that helps borrowers that do not qualify currently and puts them on a plan to get them to qualify in the future. It gets better, that same team will help get scores raised on loans that do qualify to get them to the next better pricing tiers, so they receive better rates and programs. For example, 705 credit and our team helps raise them to 740 which gives the buyer a better rate than if we did nothing. This is value.

Realtors, I would love an opportunity to share much more about why we should partner in some capacity and how we can add value to help you win bigger in your business. I respect your current relationships and friendships with your partners.

Lenders, be curious and take a peek into the vision and goals of Rocket Local. You would be shocked about our pricing in the Rocket Local Group. There are minimum production standards to qualify. Yes, the comp and benefits will surprise you in a good way.
Be curious just to know what the big plan is. Your conversation will be private. We are not here to sell or convince you. We are only looking for people that see the value. This is absolutely not for everyone. If you made it this far you should at least reach out. LOL

Call or text me at 954-821-4829

Happy Labor Day! Today is a good reminder to appreciate the work, the long hours, and the people who make things happen ...
09/07/2026

Happy Labor Day! Today is a good reminder to appreciate the work, the long hours, and the people who make things happen every day.

There’s something about a long weekend that makes you want a backyard, a grill, and enough room for everyone to stick ar...
09/04/2026

There’s something about a long weekend that makes you want a backyard, a grill, and enough room for everyone to stick around a little longer. If you’ve been picturing holidays, cookouts, and get-togethers in a home of your own, maybe it’s time to start looking for the place where everyone will gather next.

Spoiler: There aren't any.Ask away. We'd rather explain it than have you sitting there wondering.
09/02/2026

Spoiler: There aren't any.

Ask away. We'd rather explain it than have you sitting there wondering.

Type A? You’ve probably had September planned since July.Type B? You’re taking things as they come.Either way, a good pl...
08/31/2026

Type A? You’ve probably had September planned since July.

Type B? You’re taking things as they come.

Either way, a good plan never hurts — especially when buying a home is one of the things you’re thinking about.

We’re happy to help you figure out the next step.

An appraisal isn’t about whether the kitchen has the right backsplash or if the living room needs new paint. It’s an ass...
08/28/2026

An appraisal isn’t about whether the kitchen has the right backsplash or if the living room needs new paint. It’s an assessment of the property’s value based on factors like the home itself, its condition, location, and comparable sales. In other words: your questionable accent wall can stay out of the equation!

Seller concessions can potentially help cover certain closing costs and prepaid expenses, depending on the loan program ...
08/26/2026

Seller concessions can potentially help cover certain closing costs and prepaid expenses, depending on the loan program and transaction. It’s one of those mortgage details that can make a difference when you’re figuring out how much cash you actually need to bring to the table.

You’ve got friends who will tell you which house they like, which neighborhood has the best pizza, and whether that wall...
08/21/2026

You’ve got friends who will tell you which house they like, which neighborhood has the best pizza, and whether that wall color is a terrible idea. Then you’ve got us.

Think of us as the friend who knows mortgages, wants what’s best for you, and will help you make sense of your options. When it comes to buying a home, you’ve got a friend in us.

Moving is a great reminder that you probably own more than you thought. Your credit can work the same way. Taking a clos...
08/19/2026

Moving is a great reminder that you probably own more than you thought. Your credit can work the same way. Taking a closer look at your credit report may uncover old accounts, errors, or simple opportunities to improve your score. Before you start packing boxes for your next move, it might be worth unpacking your credit, too.

Address

Clearwater, FL

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+19548214829

Website

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