Stephen Gowen
Area Sales Manager
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NMLS ID# 160949
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Stephen
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. Residential Mortgage loans including Conventional, FHA, VA, Rural Development, Jumbo loans, Combo loans to avoid Jumbo pricing using second mortgages. I assist my clients with purchase loans including for first time home buyers and refinances.
I am licensed in: GA, AL
Super quick response time and very helpful
Stephen J.
Verified Customer
July 29, 2026
Very great to work with! Huge help!
Jeremy M.
Verified Customer
July 27, 2026
Stephen was professional, responsive, and kept me informed throughout the entire closing process. He was always available to answer my questions and worked hard to help everything move forward. I truly appreciate his dedication and would highly recommend him to anyone looking for a knowledgeable and reliable mortgage lender.
Thiago M.
Verified Customer
July 21, 2026
Wonderful experience closing with Stephen Gowen & Team Acopia! We had a very quick timeframe to close and everything went just as planned. No surprises. Stephen was very quick to respond to all our questions (even the silly ones). We are very grateful to him and his team for the wonderful support during our home purchase process.
Robyn O.
Verified Customer
July 10, 2026
Stephen and his team were awesome! We had a quick close and everything went smoothly. Stephen is very knowledgeable and responsive and easy to work with.
Robyn O.
Verified Customer
July 10, 2026
Stephen was great to work with. We really liked working with him throughout the home buying process and he did explain a lot of things really clearly, which we needed as first time home-buyers. Stephen worked to get us a great approval for our first home mortgage with as little money out of pocket as possible. We applied with about 5 other loan companies to try to compare numbers before locking in and Stephen and his team beat them all! Even though we were on a tight timeline for our home, Stephen had our paperwork ready just in time for our closing date. Definitely appreciate and recommend Stephen & Team Acopia.
Sherale B.
Verified Customer
July 9, 2026
The inspection fee for our house was missing on the closing costs and that delayed our process a little bit as we had to get a money order at the last second to resolve issue. It would have been nice to add to our closing costs since we requested to pay that fee at closing. Otherwise, I do appreciate Stephen for always asnwering questions and being quick with responses.
Christopher C.
Verified Customer
July 6, 2026
When you work with professionals who are great at customer service, you can't help but brag a bit. I am so incredibly thankful for Stephen's assistance to get me to the finish line with complete ease and professionalism. I would highly recommend him for any transactional purchases. You will not be disappointed. Thanks Stephen!
Victoria L.
Verified Customer
May 26, 2026
Stephen was ready and available down to the wire. He was informative, pleasant and communicated above and beyond to keep me up to date on every process to ensure a smooth close. Thank you Stephen for your excellent service and making this experience easy.
Victoria L.
Verified Customer
May 26, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
