Steven Fowler
Loan Officer
By law, lenders are not allowed to say they have the "best rates," but Steven almost NEVER gets beat!
Steven's niche is helping other military families save a ton of money on their mortgage. He consistently beats large military banks like USAA, Navy Federal, and Veterans United by HALF a POINT!
Steven has served in the US Air Force for over 19 years on active-duty and in the reserves. He flew combat missions in the B-1 Bomber, worked on the staff at the Pentagon, and served as a Legislative Fellow in the US Senate.
When you work with Steven, he has real-time access to rates from dozens of the top wholesale lenders in the country. When you are ready to lock your loan, he can get you an amazing rate from the best-priced lender at that moment. Banks simply don't have options like this. Brokers are better, faster, and cheaper for clients- and Loan Factory was the #1 Broker in the US in 2021 and 2022! Unlike most lenders, Steven encourages you to shop around, then when you work together, you can be confident you are getting a fantastic deal.
Steven holds a B.S. in Economics from Texas A&M University, an MBA from the University of Texas-Austin, and a Master’s in Public Administration from Harvard University.
Call/Text Anytime: (571) 999-2958
NMLS#: 1948163
License: CO, DC, FL, MD, TN, TX, UT, VA
Spoken Language: English
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Mortgage Rates
Why are our rates so low?
- 1. We shop dozens of the top lenders in real time to find you the best rate.
- 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
- 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.
Our Accomplishments
29977+
Customers
$12.1+
Billion in Closed Loans
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.