How can we help you today?
Hi, we're The Howard Team!
The Howard Team at Fairway Home Mortgage has been committed to providing the best home loan solutions for their customers since 2017. Backed by excellent operations and a company that truly cares about people, The Howard Team has a goal of helping everyone achieve their dream of owning a home.
The Howard Team at Fairway Home Mortgage | Helping homebuyers and homeowners in King & Pierce County WA secure the right mortgage with confidence, strategy, and speed.
Emily Howard of The Howard Team at Fairway Home Mortgage is a trusted mortgage advisor serving homebuyers and homeowners across King County and Pierce County, Washington, including Auburn, Maple Valley, Covington, Black Diamond, Enumclaw, Federal Way, and Puyallup. Since 2017, she has helped clients successfully navigate residential home purchase and refinance loans with expert guidance, fast pre-approvals, and a smooth closing process.
The Howard Team is known for delivering a strategic approach to home financing. She specializes in conventional, FHA, VA, USDA, jumbo, renovation, and refinance loans, helping first-time buyers, move-up buyers, and homeowners make confident financial decisions. Her process is built around clear communication, proactive planning, and structuring loans in a way that helps clients compete and win in today’s competitive Washington real estate market.
With over 1,000 five-star reviews, Emily has earned a reputation as one of the best mortgage lenders in King County and Pierce County. She believes that mortgage planning is more than just a rate—it’s about creating a personalized strategy that aligns with your goals, whether you’re buying your first home, upgrading, investing, or refinancing.
If you’re looking for a mortgage lender in Washington State who prioritizes speed, strategy, and service, The Howard Team at Fairway Home Mortgage is here to help you every step of the way.
WHAT TO EXPECT
Our Process
We understand that purchasing a home is one of the biggest purchases in your lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you'll receive your funding in 5 to 7 days!
Apply online with our easy-to-use app!
Our app allows you to quickly input all of the necessary information from wherever you are!
Upload and verify the necessary documents.
Our mobile app makes applying easy and scanning documents as simple as snapping a picture.
Speak with a member of our team to learn about the options available to you.
Choosing the right loan program for your financial goals and situation is important. Our team can help you determine what fits you best.
Shop smart with a pre-approval from Fairway.
Once we receive all required documentation and verify qualification, we send a congratulatory email with your pre-approval.
You and your real estate agent begin searching to find your dream home.
Do you need a referral to a great agent? I am connected with some of the best and would be thrilled to introduce you!
We will walk you through each step of the mortgage process
Our team works with you and your agent to provide excellent communication and transparency throughout the loan process and will explain all of the paperwork you need to sign.
Congratulations on your new home!
After closing you will receive the keys to your new home! Congrats!
Why people believe in us
★★★★★
Constant communication, taking the time to make us feel comfortable with the decisions by breaking down the pros and cons of each situation. Giving us a tailored approach vs a one size fits most approach. We very much appreciate the time, effort, and professionalism you, Emily and the rest of the team displayed throughout the entire process.
Amir T., Bonny Lake, WA
August 16, 2026
★★★★★
We recently worked with The Howard Team on our mortgage, and they did an exceptional job of making us feel comfortable throughout the entire purchase process. Having gone through home purchases multiple times before, I can confidently say this was the simplest, most seamless experience we've had yet. They made the transaction effortless and kept everything clear from start to finish — zero unknowns along the way. Thanks to their guidance, we were able to secure the home of our dreams. If you want a smooth experience with no surprises, look no further. We can't recommend The Howard Team enough!
Adam L., WA
September 18, 2026
★★★★★
Emily was so phenomenal to work with, we enjoyed her straight talk. We are first-time home buyers and she explained things so clear and well. She was also very funny and made the stress of this big purchase feel better! Communication with this group has been exceptional, clear and timely. They kept us on track with all the tasks. Really a fantastic team and experience! Thank you so much for working with us!
