Meet Jason Williams
Mortgage Loan Officer | NMLS #2312970 | Gilbert, Arizona
Key Takeaways
Jason Williams is an Arizona-licensed mortgage loan officer (NMLS #2312970)
Operating under Howard Funding LLC (NMLS #2327545)
Based in Gilbert, AZ — serves the entire state of Arizona
Specializes in Conventional, FHA, and VA loans
Works as a husband-and-wife team with Megan Williams of Blue Collar Homes Realty
Direct contact: (480) 442-2502 | Jason@BlueCollarLoans.com
Who Jason Is
Jason Williams runs Blue Collar Home Loans out of Gilbert, Arizona. He's a licensed mortgage loan officer (NMLS #2312970) with Howard Funding LLC (NMLS #2327545), serving buyers across the entire state of Arizona.
The "blue collar" name isn't marketing. Jason and his wife Megan moved to Arizona from the Detroit area in 2008 with the same Midwestern work ethic they grew up with — show up, do the job right, treat people the way you'd want to be treated. That's how Jason runs his lending business.
He's not a call-center loan officer. He's not going to hand you off to a junior processor and disappear. When you work with Jason, you have his cell number, and he's the one answering it.
How Blue Collar Home Loans Got Started
Megan and Jason Williams have both been Realtors in the East Valley since 2008, helping hundreds of families buy and sell homes across Gilbert, Mesa, Chandler, and Queen Creek. Over those years, they watched a pattern repeat itself — buyers losing deals because their lender dropped the ball, missed deadlines, or quoted rates that didn't match what showed up at closing.
Jason got into mortgage lending to fix that exact problem. He didn't just learn lending — he spent years on the ground alongside Megan, working real transactions in a competitive Arizona market. He understands the pressure of a tight closing deadline, the stress of competing offers, and exactly what a listing agent needs to see before they take an offer seriously.
That real estate experience is what sets Jason apart as a lender. He doesn't just process paperwork — he reads the full transaction and solves problems before they surface. He knows a pre-approval isn't just a piece of paper; it's a negotiating tool, and it's only as strong as the lender standing behind it.
Jason and Megan have always operated as a husband-and-wife team in real estate — two licensed Realtors who built their business together from the ground up. Over time, they identified a persistent gap that no referral could reliably close: the financing side of the transaction. Deadlines were missed. Fees appeared out of nowhere at the closing table. Lenders went silent at the exact moments their clients needed clarity most. They recognized that as problem solvers, the solution was in their hands. Jason made the deliberate decision to get licensed and take full ownership of the lending side — expanding their operation into a true full-service real estate company where both the contract and the financing are handled by the same trusted team, under the same standards, with the same accountability. No handoffs. No gaps. No surprises.
For Arizona buyers, that means one trusted team for both halves of the transaction. For relocation buyers moving to Arizona from out of state, it means not having to coordinate between a stranger Realtor and a stranger lender at the same time — Megan and Jason handle it together, start to finish.
What Jason Believes About Lending
Available 7 days a week.
Real estate happens on the weekends, and so do we. Returning a phone call shouldn't be a selling point. Jason treats it as the bare minimum.
Great rates, no surprises.
A pre-approval is only as good as the rate quote it's built on. Jason provides honest numbers, clear fees, and absolutely no surprises at closing.
24-hour qualifications.
We provide accurate and complete home loan qualifications within 24 hours. You'll have a rock-solid pre-approval letter fast so you can make offers with confidence.
No guesswork.
We keep you updated and educated throughout the entire home loan process. Jason takes the time to explain the math before the closing table, not at it.
Areas Served
Jason is licensed across the entire state of Arizona. While most clients are in the East Valley — Gilbert, Mesa, Chandler, Queen Creek, San Tan Valley — he works with buyers and homeowners statewide, including: