HOME FINANCING BUILT AROUND YOU

Potomac Bank Residential Lending is licensed to serve all 50 states with our core markets in the Eastern Panhandle of West Virginia and the Metropolitan area of Washington, DC.   Our award-winning and experienced mortgage lenders will guide you through the process of refinancing, purchasing, or building a home.*

We offer fixed and adjustable rate mortgages, construction loans, and VA, FHA, and USDA options.  We are proud to have helped thousands of home owners finance their dream homes.

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Explore Mortgage Solutions

Whether you’re purchasing, refinancing, building, or investing, Potomac Bank offers a variety of mortgage solutions designed to fit your goals.

Conventional Loans
Flexible financing options for primary residences, second homes, and investment properties.

FHA Loans
Government-backed loans designed to help make homeownership more accessible with lower down payment options.

VA Loans
Exclusive financing options available to eligible veterans, active-duty service members, and military families.

USDA Loans
Affordable financing solutions for eligible rural and suburban homebuyers.

Construction Loans
Build your dream home with financing designed to support the construction process from start to finish.

Jumbo Loans
Financing solutions for higher-value properties that exceed conventional loan limits.

Refinance Options
Explore opportunities to lower your rate, shorten your term, or access your home’s equity.

First-Time Homebuyer Programs
Guidance and financing options designed specifically for those purchasing a home for the first time.

Mortgage Solutions for Doctors
Special financing options designed for medical professionals, including low down payment options and flexible lending solutions.

Buying Your First Home?

Buying your first home can feel overwhelming, but you don’t have to navigate the process alone. Our mortgage team is here to help you understand your options, answer your questions, and guide you every step of the way.

• Personalized mortgage guidance
• Low down payment options available
• Local decision-making
• One-on-one support throughout the process

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Your Mortgage Journey

Step 1: Connect With Our Team. Speak with a local mortgage expert to discuss your goals and financing needs.

Step 2: Explore Your Options. We’ll help you review available loan programs and determine the best fit for your situation.

Step 3: Apply & Upload Documents. Complete your application and securely submit documentation through our digital mortgage process.

Step 4: Close With Confidence. Our team will guide you through closing and help make the process as smooth as possible.

Select Your Personal Home Mortgage Officer

Select a Potomac Bank Residential Lending mortgage officer below, then select 'APPLY NOW' or contact them by phone or email.**

**NOTE:  If sending email to an officer below, be advised that email is not secure.  Do not send confidential, personal, or account information using email.

Meet The Team

Select a Potomac Bank Residential Lending mortgage officer below, then select 'APPLY NOW' or contact them by phone or email.**

**NOTE:  If sending email to an officer below, be advised that email is not secure.  Do not send confidential, personal, or account information using email.

Steve Cowen, EVP | 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
703-928-5714 | Email

Apply Now meet steve

Jay Richardson | Regional Vice President - Jay helps clients secure affordable mortgage solutions by offering a wide range of loan programs tailored to their financial goals. With more than 23 years of experience and over 2,800 clients served, he and his team provide clear guidance to eliminate stress throughout the lending process. Fun fact: If he ever retires from mortgages, you’ll likely find him gardening or studying soil science.

Serving Northern VA, and all 50 states | NMLS #455523
703-625-9588 | Email

Apply Now meet jay

Tammy Miller, VP | Mortgage Loan Officer - Tammy has dedicated 40 years to assisting clients with their banking and mortgage needs at Potomac Bank. Known for her friendly service and unwavering commitment, she goes above and beyond to deliver prompt, personalized support. Fun fact: She loves driving her 2004 Mazda Miata named “Candy” and enjoys painting, pickleball, and boating.

Serving Jefferson County, WV, and all 50 states | NMLS #467000
304-283-9433 | Email

Apply Now meet tammy

Adam Ware | Mortgage Loan Officer - Adam specializes in simplifying the mortgage process so clients feel confident and comfortable every step of the way. His goal is to make home financing clear, approachable, and as stress-free as possible. Fun fact: Mornings are his favorite time of day, especially with a cup of coffee in hand.

Serving Berkeley County, WV, Washington County, MD, and all 50 states | NMLS #1130125

304-416-1023 | Email

Apply Now meet adam

What Our Clients Are Saying

We're grateful for the opportunity to help our clients achieve their homeownership goals. Here's what they have to say about their experience.

Ready to Get Started?

Whether you’re purchasing your first home, refinancing, or building your dream home, our mortgage team is here to help guide you through the process.

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*All loans subject to credit approval.

FAQs