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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

My experience with Steven Fowler as my mortgage broker was exceptional. Right from the start, we were in perfect agreement regarding my objectives, including the structure of the loan, its affordability, and the interest rate. As a first-time buyer, I needed a bit of guidance, and Steven excelled in providing clear, comprehensive explanations for every step of the process. I especially valued his prompt and straightforward answers to my inquiries, along with the advice he offered. Steven was always ready to challenge my ideas if they weren't financially prudent for me, guiding me towards more sensible options. He also played a crucial role in assessing my lending capabilities and readiness, a service that proved to be invaluable. Ultimately, this insight helped me save money at a time when interest rates were elevated and choices seemed scarce.
As a Licensed Insurance Agent, I’ve had the pleasure of working with Steven on a few closings. He is quickly, thorough and attentive to detail. He educates his clients and sees his deals through to completion. He is always looking out for the clients best interest! I appreciate working with local companies any chance I get, but if I know someone moving out of state, I refer them to Steven for their mortgage because he is licensed in multiple states and is knowledgeable about many markets across the country. Highly recommend.
Exceptional service. Timely, responsive and trustworthy. Always worked to get me the best deal!

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


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

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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