TeamMember

Mike Howett

‍ Phone: (813) 435-1044
Fax: (877) 722-1694
mhowett@UTBHome.com
NMLS #: 5703

About Me

Michael has been in the finance and mortgage industry for over 20 years. This vast experience allows him to help his clients find creative and meaningful solutions to fit their needs. Michael is adept at crafting out of the box solutions to even the most challenging situations for clients in all 50 states. His extensive mortgage knowledge includes VA loans, VA Interest Rate Reduction loans, FHA loans, HARP loans, along with Conventional Fannie Mae and Freddie Mac loan products.

So whether you need a debt consolidation refinance, rate reduction refinance, or purchase loan, rest assured that Michael has the experience needed to make the process smooth and worry free. And for veterans looking for someone to help them with a VA loan, they can feel confident with the knowledge that in working with Michael, they have one of the mortgage industry’s foremost VA loan experts on their side.

Michael prides himself on delivering above and beyond customer service. Working together with Michael means getting a loan officer who has your best interests at heart. His attention to detail and communication skills will give you the confidence and peace of mind of knowing that you made the right decision for you and your family.

Michael graduated from St. Joseph’s University in Philadelphia, PA, with both a Bachelor’s degree and Master’s degree in Finance. He now resides in Apollo Beach, Florida with his wife Jessie and daughter Jacqueline.

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Here's What Our Customers Are Saying

I found a reliable Loan Officer by the name of David Collier. David really did a fantastic job getting my VA loan refinanced. David called me every day to coordinate with me.

He sure knows the business. His experience guided me from beginning to end. David is a good asset to United Trust Bank.

-Alan Gray

The whole process went flawlessly, in my opinion. The agent working with me had great communication and responded to my questions effectively and thoroughly. If you're a veteran and are wanting to consolidate, or refinance then look into United Trust Bank. For me, it was worth it.

-Alan J

We applied with united Trust for a cash out refi. We worked with Ryan Wolverton who was excellent! He is a consummate professional, very knowledgeable and worked with us to find the best option for our situation. We contacted other companies, but Ryan actually delivered the best service and options. He was prompt, had excellent follow up and was very transparent. We would highly recommend United Trust Bank and would use them for any future needs.

-Angela S

I would definitely recommend United Trust Bank to anyone who is looking for someone to Refinance their home. The Loan Manager we worked with was Kyle Lambert, and he was so amazing to work with. He stayed with us for the entire loan process and not even once did he hand us over to anyone else even though I must have asked him a million questions I never felt like I was bothering him. He even worked in the middle of a hurricane while being evacuated from his home and work. He worked with us remotely and answered his phone every time I called. He was and is an awesome human being. You would be so lucky to have him work with you on your journey to Refinance your home or anything else you need. I'm going to miss talking to him. Thank you so much Kyle!!!

-Annette Steele

I recently refinanced my VA Loan with United Trust Bank and Brandon Eberhart was my Loan Officer. I can honestly say it was the best customer service experience I have ever had. Brandon guided me through the process and responded to all my concerns without delay. Brandon thanks again for your outstanding commitment to getting me through the process.

-Anthony H

David Collier of United Trust Bank did a great job. He contacted me everyday while undergoing the refinance process. David was very professional and knowledgeable about the VA refinancing. Thank you so much David.

-Anthony L

My wife and I are so thankful to have Ryan Wolverton helping with this loan process. Ryan was extremely knowledgeable, professional, prompt, courteous and kind. It will be a pleasure to recommend Ryan and United Trust Bank to anyone who is interested in a loan. Thanks again

-Carlton M

David really made this whole thing simple and kept me up to date on the whole process.

-Cesar Abreu

This was the best refinance experience I have ever had. I have owned three houses and have refinanced multiple times. All of them through VA programs. Rob made the process very easy. All our questions were answered. There were no surprises. Definitely will do business with them again. Thank you so much for helping our family.

-Christopher J

Kyle Lambert with United Trust Bank provided excellent service. He was quite professional and knowledgeable. His oversight of each step of the process proved his trustworthiness. I am grateful for his superb kindness and pleasing personality. Thank you.

-Flex I

Wallace Cedeno has truly been a pleasure to work with. He has handled all forms of communication professionally, courteously and promptly. We feel fortunate to have gotten him to help us with our loan. Thank you UTB and thank you Mr. Cedeno.

-Gary C

To Danny Iannarelli (my loan officer). I deeply appreciate all you’ve done in getting my loan closed in less than 30 days from application. Based on my prior experiences with two different lenders, I was doubtful this could get done, even when you assured me it would. The debts have been paid…checks have cleared the bank, and I have refunds coming. I am debt free except for my mortgage. Once again, thanks for always responding to me in a timely manner (that’s rare these days). You did what you said you would do, when you said you would do it. I would highly recommend United Trust Bank to anyone interested in refinancing. GREAT JOB!!

-George S

Very happy with performance and service from Danny Ianerelli during the entire process!!

-Gregory S

Marc Mendoza, did an awesome job in handling our refinancing. He always was ready to help out with any questions or concerns that my wife and I had with the whole process. Marc Mendoza was very professional at all times. Thank you very much.

-James J

Amazing people to work with. Helped me out a lot Thank you.

-James K

I was skeptical when I received a letter in the mail about VA refinance for equity. But I called anyway. Rob Humann was my consultant. I did have my guard up for a while but he just made my girlfriend and I feel at ease. Little by little my walls came down and I actually learned from Rob while I was refinancing. He is always responsive to texts, calls or emails during the complete process. He is very personable and really knows his stuff. Within a few weeks I had the money in the bank and we are able to do some home repairs and bill paying. Thanks so much Rob. We will definitely be talking again when it comes time for the Streamline. We definitely suggest using this company!!

-Jeff C

We are so thankful for the professionalism, efficiency, and care that Bryan Trundle put into our loan. The process was quick and easy and that was due to Bryan's efforts in making this a pleasant experience. My husband and I are very happy with the time he spent working with us and answering all of our questions.

-Jessica K

If there is one professional who is most deserving of a trophy it is Mr. Daniel Iannarelli! When I became interested in a re-fi, Daniel stepped up right away. Throughout the process, I had a few bumps which I had been maintaining but seeing slow results. Daniel talked with me at length about how beneficial this re-fi will be. I know there must have been a lot of behind-the-scenes talks about how to make this project happen. At every step, he assured me we can make this happen. He did exactly that! The communication from UTB is outstanding. Always on-hand to address concerns from customers, pleasant and extremely easy to talk with. Daniel is on our Christmas Card list indeed. Many thanks and know my relief is beyond belief.

-JK C

Helped me a lot was very concise and made everything easy to understand.

-John A

I received a paper in the mail from United trust bank and I called the number they sent me to a loan officer and he helped me through my refinance. John Woodgate was great to get a hold of responded within minutes every time I needed to talk to him about something, even late at night working with my work schedule I will refer him to all my friends and family that are going to refinance. Thank you. Appreciate your time and patience.

-Joshua R

We are so grateful to have had Marc Mendoza as our loan officer, Marc Mendoza is very professional, efficient and kind. Which made our interactions with him even more pleasurable. I will highly recommend him to anyone who is looking to refinance their home. He works diligently and patiently with you, he stays with you every step of the way. My husband and I are very satisfied with the entire experience, thanks Marc for everything.

-Karen D

Thank you for all the time you spent helping me and Rick get on better ground. Words and money help, but I've always found it's through people like you that really help it run. God bless you and I only wish you all the best!

-Kathleen G

I called to inquire about a refinance and David Collier was the one who returned my call on my refinance. He explained everything to be with each step I had to complete. He called me daily to check to see if needed anything or if I had any questions. My closing was last week (May 14,2024), just over a month!! Wow!! A fast and easy closing. The notary came to my house at 6:00pm, when it was convenient for my wife and myself. Dave made this process the simplest by being there with any question that I had regardless of the time or day and explaining everything in detail. Thank you, I would highly recommend him to others.

-Kenneth C

The young man that helped us through all of this was outstanding . He spoke with us every day to keep us updated on everything. He was also very professional and friendly. If anyone wants a great guy to work with try your best to ask for David C. He will be there for you in everyway. We sure do appreciate you David C.

-Kenneth P

I had been looking for a refinance when I get a letter in the mail from United. best experience I've had. David Collier was my loan officer and he checked in every day to make sure the process went flawlessly; He answered all my questions and concerns and got me exactly what I needed. I will definitely recommend him and united to anyone looking for a loan.

-Lauren B

I'm happy to say I worked with UTB doing a VA refinance I'm happy with the way they conduct business well pleased with how he keeps me informed everything went as planned, Thank you UTB

-Lester S

I didn’t know about this bank. I happened to receive a letter in the mail. I called them, spoke to a loan officer. That was one of the best things to happen to me. He was very knowledgeable, very patient, always ready to help me. I will definitely recommend him to my family and friends.

-Lissa C

It was a pleasure working with Phil Paci who represented our mutual clients in the purchase of their home. He has exceptional knowledge in VA loans and that became critical to make this transaction a reality. Equally critical is the communication a lender provides to his clients and the real estate agent. He was always accessible and provided updates every step of the transaction. He is a true professional!

-Maria L

David Collier was very helpful and Knowledgeable, and answered all my questions in a timely manner. Very professional.

-Matthew R

Brandon Eberhart was the best! He explained everything so we understood what was happening and what was coming at us. So friendly and understanding. At no time was I uncomfortable with the process. We did close a week later than planned but at no fault of UTB but my previous mortgage company. Thanks Brandon and thanks UTB!

-Michele E

It have been a pleasure to work with Mr Jalen Williams concerning the refinance of my house. Mr. Williams was very helpful with all the paper work, he answered all the questions, he always call us if we any doubts about the procedure, he always answered my calls. I thank Mr. Williams for a job well done.

-Miguel Perez

I have to say it took a little longer, but Bryan Trundle worked with me on everything. Answered my questions and phone calls, even on his off time. I was very impressed. Thank you Bryan Trundle!!

-Nathan W

My VA refinance went smoothly and with no surprises thanks to Danny Iannarelli. Danny is a credit to his bank and profession. I was always in the loop and kept well informed of the entire process. What separates Danny and his Bank was the concern for my best interest. Veterans first at United Trust bank. Thank you Danny and UTB!

-Paul B

Thank you John and United trust bank. From the start to the end you guys worked hard to make this refinance easy, quick and painless. I am grateful to actually picking up the phone and calling and not throwing the letter away. Life changing for myself and my family.

-Pedro S

Worked with UTB on a refi. Salvatore Ross was so very helpful. He explained everything step by step and even followed up. I can’t thank him enough for his kindness and support. Highly recommend.

-Richard Heaton

I went into this in a bind, my bills were a lot higher than I could handle. I contacted Trust online and my loan officer Ryan Wolverton reached out to me right away.. over the next month he kept in contact with me about every step of the loan, assisted me wherever I needed help. I would recommend Trust and Ryan for help in refinancing a mortgage.

-Robert W

I would like to state that United Bank and Trust through Daniel Iannarelli have treated this veteran with respect and professionalism, to the refinance of my home. And I thank them very much.

-Rudolph V

David was very helpful with the whole process of refinancing our loan. Highly recommended for other customers. This was the fastest refinance we ever did and we thank you very much.

-Sam Peck

Marc Mendoza is amazing. He took the ball and ran with it. He cared about our situation and did not judge us. Any time we reached out to him, he was right there to guide us. We really, really appreciate you, Marc. You went above and beyond!!! In our history of refinancing, Marc steps up above his competition.

-Steve K

Johnathan Woodgate was our contact and he was the BEST person we ever worked with. He always answered our questions in a very timely manner. I feel like he has become a trusted friend. Please thank him for us.

-Susan Allwood

David was great. He walked us through every step of the process and everything went very well. He was available to us whenever we needed him and we recommend him to others. Thank you David and United Trust Bank!

-Tonya O

I decided to refinance my home due to lowering my interest rate and paying off some bills. My loan officer, Robert Humann, was Awesome. He made the loan process very easy and quick. He was very friendly, patient, professional, dedicated and very compassionate of my needs. He always stayed in touch with me and returned my phone calls quickly. I could not have asked for a better experience with this company. I very highly recommend this Bank to anyone in need. Thank You again Robert and United Trust Bank for helping me.

-Trudy F

I answered an advertisement in the mail from United Trust Bank and it was the best move I could make. When I called David Collier a Loan Officer answered the call. I explained my situation and how Bank of America made me wait 25 days and disapproved my refinancing. David immediately and patiently took all my information he was informative and answered all my questions. During the call he remained positive and said we can work it out. In less than 24 hours David managed to get my refinance approved and I closed two weeks later. David is without a doubt the most professional and helpful loan officer that I have ever worked with. If I had a question or a gray area he would take my calls, text or emails anytime. David Collier is a definite asset to the United Trust Bank.

-William Hardy

Just closed on a VA Refi with UTB. Had the pleasure of working with Daniel Iannarelli. Highly knowledgeable and made sure I understood every step of the process. He made the whole experience smooth and quick. Highly recommend him.

-William K

Our experience with United Trust Bank was second to none. Bryan Trundle our loan officer was very cordial, professional, and attentive. He was patient and thorough answering all of my questions. He kept the ball rolling and the process was completed in the time frame promised. There were absolutely no surprises at settlement. An excellent job!

-William T

Mike Howett

About Me

Call us TODAY at 888-445-9961

Here's What Our Customers Are Saying