---
canonical_url: https://lendb.ai/lo/timothy-howard-1328411
json_url: https://lendb.ai/lo/timothy-howard-1328411.json
nmls_id: 1328411
last_verified: 2026-10-09
---

# Tim Howard

Loan Officer at Fairway Independent Mortgage Corporation, Cape Coral, FL. NMLS ID 1328411 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1328411)).

**Summary:** Tim Howard (NMLS 1328411) is Loan Officer at Fairway Independent Mortgage Corporation, based in Cape Coral, FL. Licensed in Florida, confirmed with the state regulator (license LO114956). Also lists Arkansas, Colorado, Kansas, Nebraska and Tennessee on the lender page (not yet checked with the state regulator). Earliest state license record: November 7, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 7, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Arkansas (AR, lender_reported), Colorado (CO, lender_reported), Kansas (KS, lender_reported), Nebraska (NE, lender_reported), Tennessee (TN, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO114956 | active | confirmed | 2022-11-07 | state_regulator | 2026-10-09 |
| AR | state_license | 1328411 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | 100056886 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KS | state_license | LO.0054770 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NE | state_license | 1328411 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | 1328411 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Fairway Independent Mortgage Corporation (NMLS 2289), Cape Coral, FL. Source: https://www.fairway.com/lo/tim-howard-1328411, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1328411

## Contact

- View profile at Fairway Independent Mortgage Corporation: https://www.fairway.com/lo/tim-howard-1328411
- Office phone and Email on file: shown at https://lendb.ai/lo/timothy-howard-1328411#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1328411
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.fairway.com/lo/tim-howard-1328411

Cite as: Tim Howard (NMLS 1328411), Fairway Independent Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/timothy-howard-1328411, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._