Howard On Mortgage Finance is a source of periodic commentary on topics of relevance to the mortgage finance industry by Timothy Howard.

Timothy Howard was a senior executive at Fannie Mae for 23 years. After beginning his career there as chief economist in 1982, he quickly became involved with financial matters. He was given responsibility for managing Fannie Mae’s largest business—its portfolio of purchased mortgages—in 1987, and in 1990 became the company’s chief financial officer. He added the duties of chief risk officer in 2000, and was named vice chairman of the board in 2003. When Howard left Fannie Mae at the end of 2004, it was safely and profitably financing more than one in every four home loans in the U.S.

In 2013, Howard published a book on Fannie Mae and the financial crisis titled The Mortgage Wars.