Niki Howland – Processor

Niki Howland has been in the mortgage industry for over 12 years, and specializes in problem solving! She is proud to a part of a tight-knit group at DML, and enjoys being able to work and achieve goals together. She takes pride in helping her borrowers through the home financing process.

When Niki isn’t working, you can find her spending time with her dogs, hiking, enjoying the outdoors, or knitting!

Quote to live by: “Your ability to discipline yourself to set clear goals, and then work toward them every day, will do more to guarantee your success than any other single factor.”


When you work with Direct Mortgage Loans, you’ll receive prompt, personal service that enhances your home buying experience. We provide real-time updates that allow us to keep you updated every step of the way. The entire loan process, from application to closing is managed in-house – this results in a shorter loan process. Every employee of our company has direct access to all processors and underwriters. We have built a business that is recognized for integrity, excellent service and efficient processes.