Author Bios

Meet Our Authors

Our content is created by experienced professionals who bring real-world expertise and credible backgrounds to every article we publish.

David “Howie” Howerton

Biography

David “Howie” Howerton is a Mortgage Loan Originator, Managing Real Estate Broker, Licensed Appraiser, Property Manager, Realtor, Real Estate Agent, Lender, Loan Officer, and active Investor with 25 years in the housing industry. A 23‑year United States Air Force Veteran, he blends military discipline with deep industry knowledge. Howie has toured over 1,000 homes, handled more than $32 million in transactions, and brought nearly seven years of hands‑on renovation experience to his projects. He also coaches business owners on strategy, branding, automation, artificial intelligence, and growth and holds a bachelor’s degree in Computer Information Systems.

Credentials & Qualifications

Licensed Mortgage Loan Originator
Licensed Real Estate Broker
Certified Real Estate Appraiser
Property Manager (licensed/certified as applicable)
Marketing Professional
Bachelor’s degree, Computer Information Systems
25 years real estate industry experience
23 years U.S. Air Force service
Serial entrepreneur and business coach with 10+ years coaching experience

Areas of Expertise

Residential and investor lending (conventional, FHA, VA, USDA)
Private lending and hard money options
Mortgage origination and loan structuring
Real estate brokerage and transactions
Property valuation and appraisal
Property management and operations
Renovation planning and financing
Real estate investing and deal underwriting
VA and military lending processes and benefits
Business strategy, branding, marketing, automation, and reputation management
Custom app and automation solutions for real estate businesses

Editorial Approach

David “Howie” Howerton believes in evidence-based content creation, drawing from both professional experience and the latest research to provide readers with accurate, actionable information.

Our Editorial Standards

All our authors adhere to strict editorial guidelines that emphasize:

  • Accuracy and fact-checking
  • Transparency about sources and methodologies
  • Regular updates to reflect current best practices
  • Clear disclosure of any potential conflicts of interest