Welcome to my home page,

My goal is making your home buying and loan experience easier and helping you find the right loan for your needs.  I know how important this investment is to you and your family.  Let's meet and talk about your plans.  I guarantee exceptional service and competitive rates.  Together we'll open the door to the home of your  dreams.

My name is Howard Holtzman and I am a Loan Officer with Heartland Mortgage a division of Heartland Bank. We are a mortgage banker not a broker, meaning we process, underwrite, close, and fund our loans. Our money goes to the closing table. This not only greatly increases the likelihood of everything happening correctly, but also the likelihood of everything happening on time. Heartland has more products and investors than any lender I have seen in St. Louis area which gives you more choices and the very best interest rate.

As a veteran mortgage loan officer I have been assisting homebuyers for over 20 years. I know that only by understanding your financial situation, can I determine which loan product best meets your needs. That's why I will take the time to get to know you and listen to your financial goals. Buying a home is one of the single most important decisions people make. Working with an experienced lender enhances the chances of a successful outcome of that decision.

I am committed to personal service. My staff and I will ensure that your application is processed and closed as efficiently as possible. I personally oversee all aspects of the loan application, from processing to closing.

Having closed over $300 million in mortgage loans, few loan officers can parallel my knowledge and experience to ensure you a successful and pleasant experience. Feel free to contact me at your convenience, days, evenings or weekends. I am here to help.

What sets me apart from my competition is not only my knowledge and expertise in the business but my personalization. I will be there in person from taking your loan application to reviewing and executing your closing documents. I am always looking to exceed my customer's expectations.

I am able to offer very competitive pricing and my product availability is endless. There is no difference whether you are a First Time Buyer or a Multi Million dollar buyer.

I believe that choosing the right Mortgage for you is as important as you choosing the right home.