Steve Cowen - NMLS ID #206679

I am a 20+ year veteran of the mortgage industry with a client centric focus to provide quality service at a fair and competitive price while be responsive to all my clients and referral sources.

Steve Cowen has been in the lending business since 1988. In 1998, he helped start and build a mortgage platform for a local community bank. After over 15 years with that firm, he joined Atlantic Coast Mortgage. ACM is an independent mortgage company founded in 2012 with a mission to provide the very best service available in the market while utilizing some of the best talent in the area in an effort to provide the best financing solutions in the business. Cowen lives in Leesburg with his wife and two children. Steve is an assistant coach on his son’s travel baseball team, the Loudoun Aces Blue 10U team and is on the board of directors for the Loudoun Aces. Atlantic Coast Mortgage, LLC 20365 Exchange Street, suite 300 Ashburn, VA 20147 Branch NMLS ID 1167353 Atlantic Coast Mortgage LLC is licensed by the VA SCC (MC-5560) Company NMLS 643114 (www.nmlsconsumeraccess.org) Equal Housing Lender

stevecowenblog.com

When is the “Right” Time to Buy or Sell?

stevecowenblog.com When is the “Right” Time to Buy or Sell? June 16, 2020 by Steve Cowen This article talks about when the “right” time to buy or sell your home is, and how to navigate that process. Filed Under: Uncategorized

stevecowenblog.com

When Can You Skip HOA Fees?

stevecowenblog.com When Can You Skip HOA Fees? June 15, 2020 by Steve Cowen This article talks about potentially skipping HOA fees if pools or gyms are closed due to COVID-19, and how HOA fees work. Filed Under: Uncategorized

stevecowenblog.com

How Do You Increase Your Home Value?

stevecowenblog.com How Do You Increase Your Home Value? June 11, 2020 by Steve Cowen Here are a few tips on how to increase the value of your home if you’re looking to sell. Filed Under: Uncategorized

stevecowenblog.com

Things To Fix Before You Sell

stevecowenblog.com Things To Fix Before You Sell June 10, 2020 by Steve Cowen This article explains what sellers need to fix at home before they look to put their house on the market. Filed Under: Uncategorized

stevecowenblog.com

What Homebuyers Need to Know About Credits

stevecowenblog.com What Homebuyers Need to Know About Credits June 9, 2020 by Steve Cowen This article talks about what you need to know about last-minute sales and credits if you’re looking to buy. Filed Under: Uncategorized

stevecowenblog.com

How to Sell Your Home During COVID

stevecowenblog.com How to Sell Your Home During COVID June 8, 2020 by Steve Cowen This article talks about what you need to know if you’re looking to sell your home amidst the COVID-19 pandemic. Filed Under: Uncategorized

housingnewsletters.com

Are All-Time Low Mortgage Rates Behind Us Now?

housingnewsletters.com After weeks of incredibly steady movement and several instances of new record lows, mortgage rates are moving quickly higher. Is this the beginning of the end?

stevecowenblog.com

What Is Your Home Worth?

stevecowenblog.com What Is Your Home Worth? June 4, 2020 by Steve Cowen This article talks about what you need to know for knowing your home’s worth, and what that estimate means if you’re buying or selling. Filed Under: Uncategorized

stevecowenblog.com

Home Improvement Projects

stevecowenblog.com Home Improvement Projects June 3, 2020 by Steve Cowen Here are a few home improvement projects to make your home look new and refreshed this summer. Filed Under: Uncategorized

stevecowenblog.com

Fun DIY Activities and Projects

stevecowenblog.com Fun DIY Activities and Projects June 2, 2020 by Steve Cowen This article has a few great DIY projects for you and your family to complete if you’re looking for something to do in quarantine. Filed Under: Uncategorized

stevecowenblog.com

Best Curb Appeal Tips for Your Home

stevecowenblog.com Best Curb Appeal Tips for Your Home June 1, 2020 by Steve Cowen This article talks about how to upgrade your curb appeal to make sure it looks inviting for potential buyers. Filed Under: Uncategorized

housingnewsletters.com

Mixed Signals About Housing and Economic Recovery

housingnewsletters.com Coronavirus made for record-shattering movement in financial markets and economic data. With lockdowns ending, investors are eager to see improvements, but instead finding plenty of mixed signals.

stevecowenblog.com

Looking to Buy a New Home?

stevecowenblog.com Looking to Buy a New Home? May 28, 2020 by Steve Cowen This article gives a clear and easy 3 step plan that you should follow if you’re looking to buy a new home. Filed Under: Uncategorized

stevecowenblog.com

How Much Does Smell Impacts House Tours?

stevecowenblog.com How Much Does Smell Impacts House Tours? May 27, 2020 by Steve Cowen Virtual tours due to the pandemic mean that we aren’t able to view a house in person – and not being able to notice the smells a house has surprisingly can impact the sale. This article explains how. Filed Under: Uncategorized

stevecowenblog.com

How Home Buyers and Agents Need to Communicate

stevecowenblog.com How Home Buyers and Agents Need to Communicate May 26, 2020 by Steve Cowen This article talks about how home buyers and agents need to communicate and have each other’s backs during the buying process. Filed Under: Uncategorized

stevecowenblog.com

How Do You Negotiate For a Home?

stevecowenblog.com How Do You Negotiate For a Home? May 25, 2020 by Steve Cowen This article and video explain how to negotiate for a home in the middle of a pandemic. Filed Under: Uncategorized

housingnewsletters.com

The Sun Also Rises For Housing and Mortgage Markets

housingnewsletters.com There's no shortage of bad news when it comes to the economy and the housing market. But that's no surprise considering the circumstances. What IS surprising is how quickly some signs of recovery have emerged.

stevecowenblog.com

How to Get Great Listing Photos

stevecowenblog.com How to Get Great Listing Photos May 22, 2020 by Steve Cowen Here are a few tips and tricks to make sure you have great listing photos. Filed Under: Uncategorized

stevecowenblog.com

How Long Should My House Be on the Market?

stevecowenblog.com How Long Should My House Be on the Market? May 20, 2020 by Steve Cowen This article explains how COVID-19 has impacted how long houses should stay on the market. Filed Under: Uncategorized

mortgagenewsdaily.com

Borrowers in Forbearance Can Still Get a Mortgage, Probably...

Good article describing how folks who are in forbearance can obtain a new mortgage once out of forbearance

mortgagenewsdaily.com Homeowners who have been granted forbearance from making full payments on their GSE guaranteed loans during the COVID-19 crisis may still be able to refinance or buy a new home when the crisis ends. The Federal Housing Finance Agency (FHFA) has announced that...

stevecowenblog.com

How to Long-Distance House Hunt

stevecowenblog.com How to Long-Distance House Hunt May 19, 2020 by Steve Cowen Here are a few ways to house hunt long-distance, and how to do it successfully. Filed Under: Uncategorized

stevecowenblog.com

Curb Appeal Tips for Selling During the Pandemic

stevecowenblog.com Curb Appeal Tips for Selling During the Pandemic May 18, 2020 by Steve Cowen This article talks about a few great curb appeal tips to apply while selling your home during COVID-19. Filed Under: Uncategorized

stevecowenblog.com

How to Spruce Up Your Flower Beds

stevecowenblog.com How to Spruce Up Your Flower Beds May 14, 2020 by Steve Cowen Here are a few ways to keep your flower beds looking great for this upcoming spring. Filed Under: Uncategorized

stevecowenblog.com

What to Know About the Housing Market

stevecowenblog.com What to Know About the Housing Market May 13, 2020 by Steve Cowen This article explains what real estate agents want you to know about the housing market amidst the COVID-19 pandemic. Filed Under: Uncategorized

stevecowenblog.com

How to Care For Your Spring Lawn

stevecowenblog.com How to Care For Your Spring Lawn May 12, 2020 by Steve Cowen Spring is here, which means lawn maintenance. This article talks about how to best upkeep your lawn. Filed Under: Uncategorized

stevecowenblog.com

How to Search for a Home Right Now

stevecowenblog.com How to Search for a Home Right Now May 11, 2020 by Steve Cowen This article explains how to search for a home during the pandemic, and what you need to know. Filed Under: Uncategorized

housingnewsletters.com

The Truth About Skipping Mortgage Payments (And The Consequences)

Excellent article on the impacts forbearances are having on the market and the unintended consequences.

housingnewsletters.com Massive joblessness and overly-inviting wording in the CARES Act with respect to forbearances is creating the biggest surge in mortgage non-payment ever seen. Mortgage investors have quickly reevaluated what they're willing to pay for certain scenarios. The greater the number of forbearance risk fac...

stevecowenblog.com

Worried About Your Security Deposit?

stevecowenblog.com Worried About Your Security Deposit? May 7, 2020 by Steve Cowen Here are a few ways to make sure you get your security deposit back, no matter how long you’ve lived there. Filed Under: Uncategorized

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stevecowenblog.com

Thinking of Waiving Your Home Inspection?

stevecowenblog.com Thinking of Waiving Your Home Inspection? May 5, 2020 by Steve Cowen This article explains how potentially waiving your home inspection could cost you later on. Filed Under: Uncategorized

stevecowenblog.com

How to Negotiate for a Home

stevecowenblog.com How to Negotiate for a Home May 4, 2020 by Steve Cowen This article talks about how to negotiate for a home during the COVID-19 pandemic. Filed Under: Uncategorized

housingnewsletters.com

Mortgage Rates Are Super Low, But Not For Everyone

Good read on what is impacting the market specifically for higher risk loan profiles

housingnewsletters.com Investors buy and sell groups of mortgages that are pooled together in mortgage-backed bonds.  The price an investor is willing to pay for a mortgage bond is the primary factor in determining mortgage rates.  As demand for these bonds increases, rates fall (all other things being equal).

stevecowenblog.com

Selling Your Home During COVID

stevecowenblog.com Selling Your Home During COVID April 30, 2020 by Steve Cowen This article talks about how to make your home appealing as possible online if you’re trying to sell during COVID. Filed Under: Uncategorized

stevecowenblog.com

Being a Real Estate Agent During Crisis

stevecowenblog.com Being a Real Estate Agent During Crisis April 29, 2020 by Steve Cowen This article talks about what it’s like being a real estate agent during COVID, and what challenges your agent might face. Filed Under: Uncategorized

stevecowenblog.com

Do You Love Your Home?

stevecowenblog.com Do You Love Your Home? April 28, 2020 by Steve Cowen This article gives tips on how to make your home somewhere you really love. Filed Under: Uncategorized

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20365 Exchange St, Ste 300
Ashburn, VA
20147
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Full-service mortgage lender providing a wide range of residential lending products. Licensed in VA, DC, MD, and WV.

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