Steve Cowen - NMLS ID #206679

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.
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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

When is the “Right” Time to Buy or Sell?
06/16/2020
When is the “Right” Time to Buy or Sell?

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

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

When Can You Skip HOA Fees?
06/15/2020
When Can You Skip HOA Fees?

When Can You Skip HOA Fees?

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

How Do You Increase Your Home Value?
06/11/2020
How Do You Increase Your Home Value?

How Do You Increase Your Home Value?

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

Things To Fix Before You Sell
06/10/2020
Things To Fix Before You Sell

Things To Fix Before You Sell

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

What Homebuyers Need to Know About Credits
06/09/2020
What Homebuyers Need to Know About Credits

What Homebuyers Need to Know About Credits

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

How to Sell Your Home During COVID
06/08/2020
How to Sell Your Home During COVID

How to Sell Your Home During COVID

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

Are All-Time Low Mortgage Rates Behind Us Now?
06/06/2020
Are All-Time Low Mortgage Rates Behind Us Now?

Are All-Time Low Mortgage Rates Behind Us Now?

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?

What Is Your Home Worth?
06/04/2020
What Is Your Home Worth?

What Is Your Home Worth?

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

Home Improvement Projects
06/04/2020
Home Improvement Projects

Home Improvement Projects

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

Fun DIY Activities and Projects
06/02/2020
Fun DIY Activities and Projects

Fun DIY Activities and Projects

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

Best Curb Appeal Tips for Your Home
06/01/2020
Best Curb Appeal Tips for Your Home

Best Curb Appeal Tips for Your Home

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

Mixed Signals About Housing and Economic Recovery
05/30/2020
Mixed Signals About Housing and Economic Recovery

Mixed Signals About Housing and Economic Recovery

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.

Looking to Buy a New Home?
05/28/2020
Looking to Buy a New Home?

Looking to Buy a New Home?

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

How Much Does Smell Impacts House Tours?
05/27/2020
How Much Does Smell Impacts House Tours?

How Much Does Smell Impacts House Tours?

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

How Home Buyers and Agents Need to Communicate
05/26/2020
How Home Buyers and Agents Need to Communicate

How Home Buyers and Agents Need to Communicate

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

How Do You Negotiate For a Home?
05/26/2020
How Do You Negotiate For a Home?

How Do You Negotiate For a Home?

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

The Sun Also Rises For Housing and Mortgage Markets
05/23/2020
The Sun Also Rises For Housing and Mortgage Markets

The Sun Also Rises For Housing and Mortgage Markets

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.

How to Get Great Listing Photos
05/22/2020
How to Get Great Listing Photos

How to Get Great Listing Photos

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

How Long Should My House Be on the Market?
05/20/2020
How Long Should My House Be on the Market?

How Long Should My House Be on the Market?

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

Good article describing how folks who are in forbearance can obtain a new mortgage once out of forbearance
05/20/2020
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

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...

How to Long-Distance House Hunt
05/19/2020
How to Long-Distance House Hunt

How to Long-Distance House Hunt

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

Curb Appeal Tips for Selling During the Pandemic
05/18/2020
Curb Appeal Tips for Selling During the Pandemic

Curb Appeal Tips for Selling During the Pandemic

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

How to Spruce Up Your Flower Beds
05/14/2020
How to Spruce Up Your Flower Beds

How to Spruce Up Your Flower Beds

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

What to Know About the Housing Market
05/13/2020
What to Know About the Housing Market

What to Know About the Housing Market

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

How to Care For Your Spring Lawn
05/13/2020
How to Care For Your Spring Lawn

How to Care For Your Spring Lawn

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

How to Search for a Home Right Now
05/11/2020
How to Search for a Home Right Now

How to Search for a Home Right Now

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

Excellent article on the impacts forbearances are having on the market and the unintended consequences.
05/09/2020
The Truth About Skipping Mortgage Payments (And The Consequences)

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

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...

Worried About Your Security Deposit?
05/07/2020
Worried About Your Security Deposit?

Worried About Your Security Deposit?

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

Thinking of Waiving Your Home Inspection?
05/06/2020
Thinking of Waiving Your Home Inspection?

Thinking of Waiving Your Home Inspection?

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

How to Negotiate for a Home
05/04/2020
How to Negotiate for a Home

How to Negotiate for a Home

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

Good read on what is impacting the market specifically for higher risk loan profiles
05/02/2020
Mortgage Rates Are Super Low, But Not For Everyone

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

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).

Selling Your Home During COVID
04/30/2020
Selling Your Home During COVID

Selling Your Home During COVID

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

Being a Real Estate Agent During Crisis
04/30/2020
Being a Real Estate Agent During Crisis

Being a Real Estate Agent During Crisis

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

Do You Love Your Home?
04/29/2020
Do You Love Your Home?

Do You Love Your Home?

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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