Chris Howell

Loan Officer
NMLS # 331216
State Lic CO #100011082
201723_chris_howell_Howell, Chris

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible.

I will be in control of your loan file from start to finish, and I will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

Your Home Value

Find out what your current home is worth.

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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Chris followed thru with everything we asked

—Michael Kitchen

Very professional. Very efficient. Very convenient. Very friendly. Best financial experience we have ever had. Highly recommend you to everyone!!

—William wilhite

Only criticism is that on couple of occasions paperwork that had already been submitted was requested again. On a positive, it was great working with Chris and Teryn. I was able to ask questions at any time and I received answers in a timely manner.

—Ka-Leung Chou

Chris Howell was amazing! He made everything easy and painless. Helped us through the whole process.

—Robert B. EIFERT

Chris, Teryn, and Valerie were all great. I always felt that they had my best interests at heart.

—Adam Sandstrum

Everyone was wonderful and a pleasure to work with. Chris was with us when we bought our new house and it was a no-brainer to contact him for the refi. We appreciate all you do!

—Christina Kirkpatrick

Chris and his team are absolutely amazing. He even allowed me to use my falcon to deliver my documents. Will use and recommend Chris for as long as he is in business.

—Brandon Smith

Everyone was extremely friendly, knowledgeable, and prompt throughout the whole process. They really wanted to make sure we understood everything every step of the way.

—Glen Opheim

Christ and Teryn far exceeded my expectations in this most stressful, challenging purchase, with many hurdles to overcome. Without Chris's expert guidance, I would not be here, a new homeowner on my own for the first time! If I'd met Chris earlier (I started with a different mortgage company), I could have navigated this journey sooner, with less stress and delay. Chris was unfailingly positive and kind through this entire process. He always had time to answer questions and offer specific suggestions along the way.

—Mary Morello

Chris and Teryn Howell are the BEST

—Matt Studzinski

Chris was wonderful to work with. He provided updates throughout the entire transaction, closed on time, and my buyers were thrilled to receive cash back at closing.

—Gordon Kelly

Very efficient, responded to communications quickly, honest recommendations. We value people who conduct business with character and integrity and will absolutely recommend to friends!

—Chelsee Jensen

Chris Howell and his team kept us informed on every step of the loan process. We would not think twice about recommending or using his services again.

—Michael E Volkmann

Chris was very kind and knowledgable, he answered all of our questions!

—Michael Kitchen

Our whole experience, from start to finish was wonderful. Chris is amazing - personable, timely, and efficient. He was quick to keep us up to date and let us know when something was needed. The other staff we worked with, often when dealing with documents were equally pleasant to work with. We'll definitely use them again!

—Noelle Pepin

Super helpful and informative made the process very easy

—Daniel Thonas Torrento jr.

Chris, Teryn, and Valerie were so helpful and made the loan process so easy! This is our second time working with them and we would recommend them to anyone!

—Cody Garrett Cummings

I worked with Chris Howell and I was calmed by his detailed explanations and availability to answer all my questions.

—Karen Eifert

I really can't imagine how the service could be improved.

—Laurel Irene Rapp

Chris was outstanding from beginning to end!

—Jason DeVilbiss

Chris Howell at Academy Mortgage was respectful, insightful, and patient. He laid out all the options and made it easy for me to choose the right path towards my first home!

—Nick Thornton

Chris you were very knowledgable and took the time to explain things. Thank you for all ll your hard work. You did an amazing job!

—Deana Flessner

Chris is AMAZING

—Devon Powers

Chris Howell was GREAT to work with everything went very smooth and any time I was unintentionally procrastinating on getting any forms submitted I received friendly reminders via text, email, phone call so that I wouldn't be late on any paperwork. I greatly appreciated that because I'm not always on top of everything with my busy schedule.

—Hayden Lee Woolf

Both Chris and Teryn were a pleasure to work with. The entire process from start to finish could not have gone any smoother. They do their job well, and are complete professionals.

—Brad Kapple

Thank you Chris for all of your help during this process. You were informative with all the details and made this process go smoothly. Thank you again!! Deana

—Deana Flessner

It was smooth and effortless the whole time. I never once felt that things were not completely handled and under control. Chris and Taryn were amazing communicators through the whole process.

—Jenn Hansen

Chris Howell and team were the easiest mortgage people I have ever dealt with. They were very friendly, on time and communicated almost every move so we knew what was going on the whole time. I will definately refer Academy Mortgags to colleagues and friends and family

—Bryan Daniels

Chris and Teryn were very easy to work with. They were flexible in meeting times and places and responded very quickly to questions or changes we wanted to make with our loan. They did a great job and I appreciate the effort they have put into their customer service!

—Greg Jensen

Chris and Teryn Howell have been amazing to work with! Extremely friendly, knowledgeable, and took time to answer our questions.

—Lauren Powers

We were very pleased with the whole process, you made it very easy for us.

—Kimberly Smith

I worked with Chris Howell and his team. I highly recommend Chris and would use him again. They took care of me from the start to the finish.

—Milinda Montgomery

I came to Chris Howell & Academy Mortgage after a bad experience with a different lender (from another company). I was crunched for time with my closing and Chris performed what everyone told me was impossible -- to get to closing within 10 days! I am very impressed with his speedy and diligent work, along with his great communication and quick responses. Thanks to him we were able to close on the house that we fell in love with. Thank you!

—Emily Weisiger


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