Buying a new home is an exciting step in your life and I truly enjoy helping my clients through the process of obtaining the best mortgage. I am here to assist you through the entire transaction from initial mortgage pre-approval through your closing while answering any questions that you may have throughout. Being a reputable, experienced local lender, I know the Metro Atlanta real estate market very well and can provide additional value in my knowledge. My goal is to become your go to lender for all of your mortgage needs now and going forward for not only you but your friends and family as well.
Specialties: I provide a high level of client service and objective advice. I do residential mortgage loans including Conventional, FHA, VA, Rural Development, Jumbo loans, Non-prime loans and Combo loans to avoid Jumbo pricing using second mortgages.
Acopia Home Loans commits to making the process of securing a home loan as easy as possible for you. To that end, we have developed our own mobile app as a tool to simplify the home buying and lending process. Whether you are a homebuyer looking to purchase a home, a current homeowner interested in refinancing, or a real estate agent hoping to speed up the process for your clients, the AcopiaGO App has a feature to benefit you.
We would love the opportunity to earn your business.
I've been working with Stephen for 2 years while we searched for a perfect home. He did many pre-quals and we finally found our home and closed quickly. Definitely a value added Lender.
I had a great experience using Stephen Gowen with Acopia Home loans. The process was incredibly smooth and I was extremely happy with the end result. Highly recommended!
Stephen went above & beyond expectations, he was extremely helpful during this process. He walked me thru the entire process as well as provided me with all the necessary online tools such as videos outlining each step thru out, online mortgage calculator & reading material. Stephen definitely made the relocation transition for a lot smoother. I would highly recommend Stephen to any of my friends, family or a complete stranger for that matter!
Stephen is the quintessential example of a professional, making the entire process of obtaining a home loan as effortless and simple as possible. He is always available and replies without delay to any question or request. It was an absolute pleasure working with Stephen and we would recommend him to any of our family and friends!
I called Stephen to inquire about both a mortgage on a new purchase of a townhome as well as a refinance on my primary residence. Stephen was able to close on both of these mortgages for us in less than 30 days and we were very pleased with all that he did for us! I will recommend Stephen to anyone I know who is looking for either a refinance or new loan!
We are very happy that we went with Acopia. Stephen Gowen was very responsive to all of our questions and we felt like we were in good hands through the entire process. You can't get this kind of personable experience and customer service with the large banks. Hopefully we don't need another mortgage in the near future but if we do Stephen will be the first person we call. Thank you!
We were blessed to get to work with Stephen! We were seeking a new lender in the middle of being under contract and he and his team did everything in their power to help us stay on track to close on time. Everything was explained to us in a way we could understand, which was important since we were first time home buyers.
I've worked with Stephen on my first home loan and refinance and in both situations he went above and beyond the norm. He is prompt with responding to emails and phone calls even if they came after hours. Even after our loan was complete back in 2011 I still get correspondence from him on market status and new deals I should take advantage of. For example as a new mortgage holder there were certain things I had no knowledge and because of his consist email I was able to get a better deal on my loan and save some money. From the first loan in 2011 and my refinance in 2017 he is perfect everytime.
Stephen Gowen has been great to my wife and myself. He has made my last 2 home purchases painless and smooth. With our most recent home sale/purchase he handled both our mortgage and the buyer's mortgage of our old home. Very kind and informative... 3 successful on time closings for us.
My husband and I had a very traumatic home experience with our first lender. After, our realtor asked me if my husband and I would be willing to talk to Stephen Gowen, at Acopia Home Loans. On the phone call with Stephen, I realized within the first few minutes that our experience with Stephen would be completely night and day. Stephen, thoroughly explained the process and what would be expected of us. He stepped in and saved the day (cheesy, but true). Stephen, and the Acopia Home Loans team readily made themselves available. Whenever we had a question we could text, call, or email Stephen and he would respond immediately. He would even take calls during his off hours. Stephen and his team went over and beyond to help my husband and I become first time homebuyers. My experience has taught me so much. I never want anyone to feel or go through the anxiety or stress that we went through initally. I hope everyone's experience could always be like mines was with The Acopia Home Loans team. I am currently in the process of getting my real estate license in Georgia, and I know if I ever have a client who's is in need of a mortgage, I will be quick to direct them to Stephen Gowen at Acopia! Thank you Stephen! You and the team Acopia Home Loans have truly been a blessing to my family!