Derek Howard

NMLS #: 153788

Hello. I’m here to help you find the right home financing solution for your individual needs. Contact me today for a free quote and consultation.

Sr. Mortgage Loan Originator
Office: (248) 714-4900
Direct Line: (248) 714-4912
Licensed in: CO, FL, MI
Branch: 29200 Northwestern Hwy #300, Southfield, MI 48034
NMLS #: 1282337

About Derek.

Derek Howard is a Senior Mortgage Loan Originator with Luxury Mortgage Corporation. He has been in the mortgage industry since 1996, and provides residential financing for his clients for the state of Michigan. Mr. Howard originates VA, FHA, USDA, Conventional, and Jumbo loan products along with a long list of specialty products including rehabilitation loans, medical profession loans, construction loans, and alternate doc loans. With over 20 years of originating experience, Mr. Howard has extensive knowledge in all aspects of mortgage financing.tion.

He works with many first-time homebuyers, arranging MSHDA grant loans for both conventional and FHA loans. He has a great history working with individuals who have had past credit issues. He also is an expert with self-employed borrowers helping them obtain financing with all available loan products. Mr. Howard is dedicated to his clients and strives to offer them the best available financing for all their mortgage needs.

Customer feedback.

Get moving in the right direction.

We focus on helping you find the right solution for your needs. Our Mortgage Loan Originators can help you weigh your options so you can make a well informed decision.

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First Time Home Buyers

Variety of low and no money down home loan options for first-time home buyers including FHA, VA, USDA, and conventional solutions.

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Self-Employed & 1099 Earners

Bank Statement, 1099 Only, and Asset Qualifier loan programs designed specifically to meet the needs of the self-employed.

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Full Documentation Loan Options

Traditional conventional loans and Full Documentation programs for those who may not fit perfectly within agency underwriting guidelines.

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Real Estate Investors

Investor Cash Flow loan program allows real estate investors to use future rents to qualify for purchasing 1-4 unit rental properties.

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Jumbo Loans for Higher Loan Amounts

Creative Full Documentation and Alternative Documentation loan solutions for loan amounts exceeding conforming limits.

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Second & Vacation Homes

Financing options for second/vacation home properties with our Full Doc and Alternative Doc loan programs.


Low & No Money Down

Variety of low and no money down loan options including FHA, VA, USDA, HomeReady, Home Possible & more.


Reverse Mortgages

Designed to help seniors convert their equity to a source of income in their retirement years.


Down Payment Assistance

Multiple home loan programs designed to work in conjunction with down payment assistance in certain geographic markets.

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Get Simple Access®

Simple Access lending products are loan programs to help you qualify for a mortgage using alternative documentation methods. See if one may be the right fit for you.

Bank Statement Loans

Are you self-employed? Use bank statements to qualify with no tax returns or W-2s needed.

1099 Only

Are you a consultant or contractor? Use your 1099 income to qualify.

Investor Cash Flow

Are you considering investing in a rental property or are already a current investor? Use rental income generated from the subject property to qualify.

Asset Qualifier

Do you have substantial assets but inconsistent documentable income? Use assets to qualify without employment or income verification.

Full Documentation

Just missed the guidelines for conventional financing? This program is a way for you to expand your loan options.

Simple Access from Luxury Mortgage

Discover why thousands of home buyers and homeowners choose Luxury Mortgage for their home financing needs.

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We're dedicated to helping borrowers find the right home loan program for their situation. Contact us today for a free quote and consultation.

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