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Steven Fowler

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

My reviews on Google

Steven has facilitated our mortgage experience multiple times over many years. He’s 100% responsive, transparent, and - best of all - Steven always delivers the best available rate. Highly recommended!
Steven was very informative throughout the entire process, told us everything we needed, answered every single question we asked and everything my wife and I looked for as first time homebuyers. He always answered every message within a matter of minutes and was always on top of things. Steven worked as fast as we turned in documents (in our case when he sent us something we read and signed everything under an hour) and almost everything was done right when documents were turned into him. If you’re looking for someone who will always be a phone call or text message away, answers extremely fast, informative, and gets things done well and properly, then Steven is your guy. His rates are very low and has his historical rates published on his website! This is the first person or company that I have seen that has the confidence to publish their own rates and you don’t need to go through a single question to see them! Overall we had an amazing experience with him!
I highly recommend Steven for your next mortgage. No one could beat his rate. Because I was anxious about high pressure tactics, Steven thoroughly explained each line of the CD over a video text message - an incredibly helpful reference. Steve was available instantly by phone and text, even working through his vacation, to help me get through a challenging underwriting process.

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 184 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed many loans, we can negotiate and obtain ridiculously low rates from lenders.
  • 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.



Number of Lenders


Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

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.

Re-finance Low Rate

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.

Re-finance Cash Out

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.

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.

Contact us today

Your home is one call away. We will get back to you immediately.


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