THE HB EXPERIENCE
Trusted connections for the decisions that matter most.
For more than two decades, I’ve built relationships across automotive, real estate, mortgages, insurance, tax, and financial services. THE HB EXPERIENCE gives you one trusted place to start, then connects you with the right experience or professional for what you need.
About Howard
Since 2003, I’ve built my career across banking, residential and business lending, automotive sales, and finance—giving me firsthand experience on nearly every side of a major financial transaction.
Throughout my career, I consistently ranked among the top 5–10% of professionals in my field, building a reputation for results, integrity, and taking care of people.
Today, I bring that experience, credibility, and network together through THE HB EXPERIENCE. You’re getting more than a referral—you gain an experienced advocate who understands the business, knows the right questions to ask, and has relationships with trusted professionals who are equipped to serve you well.
Choose Your HB Experience
Three clear paths. Start with the one that best matches what you need.
Car Buying Experience
Help with dealership connections, negotiation, vehicle sourcing, refinancing connections, and post-purchase support.
Explore Car BuyingReal Estate & Mortgage Experience
Connect with licensed mortgage and real estate professionals for buying, refinancing, or exploring your options.
Explore Real EstateFinancial Services Experience
Connect with licensed or qualified professionals for insurance, credit and financial planning, and tax needs.
Explore Financial ServicesWhat People Are Saying
Real feedback from people who value professionalism, communication, and a better experience.
Howard brings genuine care, professionalism, and a strong commitment to helping people have a great experience.
Knowledgeable, connected, and always focused on taking care of people. Howard understands how to bring the right professionals together.
The level of care and attention made the process feel personal. I felt heard, supported, and valued throughout the experience.
Howard’s relationships and experience make a difference. He works hard to connect people with professionals they can feel confident working with.
A great experience from beginning to end. Professional, responsive, and committed to helping people get connected to the right resources.
Professional and relationship-driven. You can tell that the experience and the way people are treated truly matter.
One Network. Multiple Industries. One Standard of Excellence.
People over profit. Trusted relationships. Professionals who take pride in both the work they do and the way they treat people.