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Steve Cowen has been in the Financial Services industry  since 1988. In April 2018, he joined BCT as their Senior Vice President, Director of Mortgage Banking.  Prior to that Steve served as Senior Vice President, Mortgage Loan Officer with Atlantic Coast Mortgage from 2014 to 2018.  In 1998, he helped launch and build a mortgage platform for a Loudoun County community bank. This is where he first began to appreciate the relationships that can be formed with clients that go beyond assisting with the financing of their homes.

As a residential mortgage professional with a strong reputation for prompt, personal service and a common-sense approach to residential lending, Cowen has become a trusted advisor to his clients and referral sources over the past 20 years. He has a specialized skill set in following the market, providing expert advice to his clients on mortgage planning and solutions that best meet their needs. Whether planning to purchase a new home, or refinance a forever home, Steve Cowen is a consummate professional leading the industry in providing the best possible experience for his clients while utilizing innovative tools to enhance the overall financing experience.

Cowen lives in Leesburg, Virginia with his wife and two children. He enjoys watching his daughter ride horses and his son playing baseball.  Cowen is also on the Board of Directors of the Loudoun Aces, Northern Virginia’s largest non-profit travel baseball organization

(NMLS # 206679)

Welcome to my website.  I look forward to putting our mortgage services to work for you!

Whether you are looking to refinance, purchase a home or build your dream home; let me guide you through the process. BCT offers great mortgage products and we are eager to satisfy your financing needs for 1 to 4 Unit Primary Residences, Investment Properties & Second Homes.  Our products include: 

  • Fixed Rate
  • ARM (adjustable rate mortgage)
  • Construction/Permanent loans with one closing
  • USDA Rural Development (RHS)
  • Veteran's Administration (VA)
  • Federal Housing Administration (FHA)

I offer ease and convenience with my experience to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
Remodeling your home? If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.


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Contact Information
Steve Cowen
SVP, Director of Mortgage Banking
Cell: (703) 928-5714
Email: Send Email
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