Bio
With more than 20 years dedicated exclusively to HOA lending, Howard is one of the industry's most experienced association financing professionals. He has played a key role in financing more than 1,300 community association loans, representing over $1 billion in funding for condominium and homeowners’ associations throughout New England and across the country.
A pioneer in the industry, Howard structured the first long-term loan for a community association more than 30 years ago and has successfully built three HOA lending programs from the ground up. His expertise includes financing complex capital improvement projects, with a particular focus on complete building envelope restorations.
Howard views himself as more than a lender—he is a trusted advisor. He enjoys partnering with property management firms and condominium boards early in the planning process to develop financing strategies that best meet each association's goals. He is also a frequent presenter at board and owner meetings, helping communities understand their financing options with clarity and confidence.
A proud member and supporter of the Community Associations Institute, Howard finds his greatest satisfaction in seeing projects completed and communities transformed through thoughtful financing solutions.
