Meet Steve Cowen
Steve Cowen, SVP | Director of Mortgage Banking - Steve takes a consultative approach to serving clients and referral partners, ensuring transparency and a clear understanding of all available options. Known as a trusted advisor, he is committed to delivering an exceptional client experience rooted in strong relationships. Fun fact: He’s a third-generation Red Sox fan and claims responsibility for breaking the Curse of the Bambino in 2024.
Serving Frederick County, VA, Northern Virginia, and all 50 states | NMLS #206679
Apply now call steve email steve
Mortgage Solutions
- Conventional Loans
- FHA Loans
- VA Loans
- USDA Loans
- Construction Loans
- Refinance Options
- Mortgage Solutions for Doctors
Why Work With Steve?
What My Clients Are Saying
I'm grateful for the opportunity to help my clients achieve their homeownership goals. Here's what they have to say about their experience.
"Steve was awesome, responsive and knowledgeable. I would recommend him highly to friends and family."
- Lacy T.
May 20, 2026
"Everything was clearly communicated and easy to do."
- Rebecca A.
May 15, 2026
"Steve was awesome!"
- Justin M.
May 7, 2026
Mortgage Resources & Insights
Each week, I share mortgage market updates, lending insights, homebuying guidance, and a few personal stories from life outside the office. Whether you’re purchasing, refinancing, building, or simply staying informed on the market, Cowen’s Corner is designed to provide helpful perspective along the way.
read cowen's corner
Ready to Get Started?
Whether you’re purchasing your first home, refinancing, or building your dream home, Steve is here to help guide you through the mortgage process.
Apply now call steve email steve
How much house can I afford?
Your affordability depends on factors such as income, debt, credit history, and down payment amount. Use our free calculator.
What documents will I need to apply?
Common documents include pay stubs, tax returns, bank statements, and identification.
How long does pre-approval take?
Pre-approval timelines can vary, but many applications can be reviewed quickly once documentation is received.
What’s the difference between FHA and conventional loans?
FHA loans are government-backed and may offer lower down payment requirements, while conventional loans typically provide greater flexibility for qualified borrowers.
Do you offer construction loans?
Yes. We offer construction financing solutions designed to support the homebuilding process.
Can I refinance my current mortgage?
Yes. Refinancing may allow you to lower your interest rate, shorten your loan term, or access your home’s equity.