Erica L. Howard, Sr. Loan Officer, NMLS: 701999

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Eaton, OH
Erica L. Howard, Sr. Loan Officer, NMLS: 701999

Erica L. Howard, NMLS # 701999, Production Manager/Sr. Loan Officer with PrimeLending, a national mortgage lender making the home loan process easy!

PrimeLending NMLS ID: 13649

I’m Erica Howard, NMLS: 701999, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple. At PrimeLending, we are Home Loans Made Simple. For nearly three decades, we have helped people buy, refinance, build and renovate their homes. PrimeLending's loan officers give customers personal attention and explain their options every step

of the way. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers informed and feeling at ease. We lock, approve and close loans quickly, and earn our customers' trust with our reliable service. PrimeLending loan officers help customers chose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans, construction loans and relocation programs. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. primelending.com/legal

Equal Housing Lender

02/05/2026

When flexible mortgage options and local guidance merge to help you feel confident about buying a home, that’s the power of PrimeLending on your side.
Let’s work together to build a plan that fits your goals.

02/04/2026

Planning to make this the year you trade in renting for buying? Understanding your home goals now can help prepare you to make smarter mortgage decisions later in the year.
Need help getting started? Let me help you plan your next chapter in a new home.

02/03/2026

Put more cash back into your homebuying budget with help from a down payment assistance program (DPA)*. DPAs can help reduce your upfront costs by contributing toward your down payment and, in some cases, closing costs. There are state, local, and federal programs available—and many buyers don’t realize they may qualify.

02/02/2026

Feel like you’re stuck in a loop waiting for the “perfect” time to buy a house? Understanding your options today could help you make a more confident decision tomorrow.
It’s time to put an end to the waiting game. Message me and let’s talk through timing—no pressure.

01/16/2026

When you’re dreaming big on a remodel, the financing shouldn’t slow you down. That’s where our renovation loans come in. They let you roll the project costs into one loan so you can focus on the plans, not the paperwork.
Whether you’re opening up a tight floor plan, updating a dated kitchen, or giving your home a full refresh, we can help you line up the funds in a way that actually supports the project timeline.
Have a renovation in mind? I’m happy to walk you through what’s possible.

01/15/2026

Does the idea of saving for annual insurance premiums and property taxes give you heartburn?
An escrow account can make it easier by spreading those big costs out into predictable monthly payments—so you’re not hit all at once.
If you questions about escrow accounts or anything mortgage related, I have answers. Reach out and I can help.

01/14/2026

Want a lower rate and lower payments so you can afford more home? Mortgage points let you pay a little more upfront to reduce your interest rate (and payments) over the life of your loan.
Curious if points make sense for your goals? Let’s look at the numbers and explore all of your options together

01/13/2026

Late-night home improvement television watching? Scrolling local home listings? Planning imaginary renovations?
Those could be signs you’re closer to buying than you think.
Want to see what you could comfortably afford? Start with my rent vs. buy calculator on my website or contact me and we can run the numbers together. Link in bio.

01/12/2026

Are your loan terms still working for your life today?
A refinance could help lower your payments or create more stability. And it only takes a few minutes to run the numbers and see if it makes sense for you. Just contact me and let’s take a no obligation look.

01/03/2026

Ever wonder if homeownership helps at tax time—or just adds paperwork?
Mortgage interest and property taxes may offer tax advantages*, and long-term homeowners may even keep more profit when selling.
Before you file, make sure you’re capturing what you’re entitled to. Not a homeowner yet? Let’s explore what buying could look like for you.
*PrimeLending is not authorized to give tax advice. Please consult your tax adviser for tax advice for your specific situation.

01/02/2026

Still feeling the financial hangover from the holidays?
Your home may already be holding an opportunity. If you’ve built equity, you could use it to tackle renovations, or create breathing room in your monthly budget.
Curious what your equity could do for you this year? Let’s take a look together.

01/01/2026

The calendar flipped, but the intention stays the same: move forward with purpose. Here’s to a new year that feels clearer, more focused, and full of moments that remind you you’re heading in the right direction. Wishing you a steady, strong start to 2026.

Address

200 Eaton Lewisburg Road , Ste 105
Eaton, OH
45320

Telephone

+19375332202

Website

https://lo.primelending.com/erica.howard

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