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About Me
A Preferred Lender for many top producing Realtors, Custom Builders, Investors & highly recommended by attorneys, CPA & other business professionals.
Sam has been in the mortgage business since 1993 and has built a reputation in Texas and beyond as mortgage broker with the expertise, extensive financing network and personal service you need to simplify what can be a complicated mortgage process.
There are a lot of mortgage brokers to choose from, but no one has more enthusiastic recommendations from satisfied clients. Why should you trust Sam Cowen a PrimeLending mortgage professional help you finance your home or project?
• Experience
As a mortgage professional who has handled a variety of loans, from the simplest quick-close residential mortgages to more complicated credit-challenged mortgages as well as construction and commercial loans, Sam Cowen brings over 15 years of experience to the table addressing the common and not-so-common mortgage solutions & perspectives.
• An Extensive Network
Sam has developed working partnerships with a wide variety of lending institutions, title companies, appraisers, insurance companies, federal agencies and real-estate brokers, which means you get access to a number of optimal financing options, and your mortgage can be processed quickly and efficiently.
• Personal Service
Sam Cowen processes all your loan paperwork personally instead of handing it off to an assistant, which ensures that he is very familiar with the status of your loan and can be on the lookout for potential problems.
• Accessible
There’s nothing more frustrating than a mortgage broker you can’t reach. Sam is available by phone, e-mail and text messaging. He checks messages regularly, even after working hours and on the weekend.
• Accurate and Efficient
Sam Cowen has an eye for detail and delivers the accuracy and efficiency you need to get your mortgage closed smoothly. In fact, Sam strives to deliver your papers to the title company at least two days before closing.
For more information – and to read enthusiastic recommendations from Sam Cowen’s satisfied clients – visit: http://www.877-77COWEN.Com
Sam has been in the mortgage business since 1993 and has built a reputation in Texas and beyond as mortgage broker with the expertise, extensive financing network and personal service you need to simplify what can be a complicated mortgage process.
There are a lot of mortgage brokers to choose from, but no one has more enthusiastic recommendations from satisfied clients. Why should you trust Sam Cowen a PrimeLending mortgage professional help you finance your home or project?
• Experience
As a mortgage professional who has handled a variety of loans, from the simplest quick-close residential mortgages to more complicated credit-challenged mortgages as well as construction and commercial loans, Sam Cowen brings over 15 years of experience to the table addressing the common and not-so-common mortgage solutions & perspectives.
• An Extensive Network
Sam has developed working partnerships with a wide variety of lending institutions, title companies, appraisers, insurance companies, federal agencies and real-estate brokers, which means you get access to a number of optimal financing options, and your mortgage can be processed quickly and efficiently.
• Personal Service
Sam Cowen processes all your loan paperwork personally instead of handing it off to an assistant, which ensures that he is very familiar with the status of your loan and can be on the lookout for potential problems.
• Accessible
There’s nothing more frustrating than a mortgage broker you can’t reach. Sam is available by phone, e-mail and text messaging. He checks messages regularly, even after working hours and on the weekend.
• Accurate and Efficient
Sam Cowen has an eye for detail and delivers the accuracy and efficiency you need to get your mortgage closed smoothly. In fact, Sam strives to deliver your papers to the title company at least two days before closing.
For more information – and to read enthusiastic recommendations from Sam Cowen’s satisfied clients – visit: http://www.877-77COWEN.Com
Testimonials
"I hired Sam when I was looking for financing for my home. Sam worked tirelessly at a time when the mortgage industry was really struggling and loan requirements were really tightening up. However, Sam never gave up, always explained my options with the changing times, and worked with me to get the new requirements met. I definitely recommend him for all my friends' mortgage needs!”
Top qualities: Great Results, Personable, Expert"
Marcus E Davis, Support Specialist, RACKSPACE Fri Aug 1
Marcus E Davis, Support Specialist, RACKSPACE Fri Aug 1
"Sam gets the job done! He is tenancious and creative in getting loans to closing. I've used his services for my own loans on at least 3 properties, and have recommended him to many clients who have been very grateful for his assistance in getting what they want. Sam is terrific. You won't be disappointed"
Linda Farin, Casa Grande Realty Tue Nov 13, 2007
Linda Farin, Casa Grande Realty Tue Nov 13, 2007
"First and foremost: Sam Cowen ALWAYS GETS IT DONE. I have worked with him on more than one occassion. He has proven to be hard working and reliable since I met him in 2001. Sam has always provided my family and friends with the most competative loans. He closed my first loan in 72 hours after our previous lender told us that we had unrealistic expectations (ask Sam about the difference between using a loan officer with a mortgage company vs a mortgage broker like him) . For our second loan, Sam wasn't afraid to switch mortgage products within 24 hours of closing because a better deal presented itself. I consider myself to be a "bargin hunter". Simply put, Sam has NEVER let the competition beat him. It would be foolish to close on a loan without giving Sam the opportunity to earn your business"
Marc Kesner, Investment Consultant at TD Ameritrade Tue Nov 13, 2007
Marc Kesner, Investment Consultant at TD Ameritrade Tue Nov 13, 2007
"I highly recommend Sam Cowen to anyone needing mortgage services. The things that set Sam apart from others we have delt with was his knowledge of the industry in helping us determine the best option for our circumstances, his responsiveness in promptly returning our phone calls, patience in answering our numerous questions and most of all his proactive approach in handling the details to make sure we closed on time. Sam delivered on his word and these days thats hard to find. Thanks again Sam"
Shane Waddell Tue Nov 13, 2007
Shane Waddell Tue Nov 13, 2007
"I have used Sam's service couple of times in mortgage, equity financing and financing advice. He is very punctual and always informative. I always liked his answering my phone rather than talking to a machine. He has even helped my friends in various occasions. One may find cheaper service but not at his quality"
Dogan Cirakoglu, Sr. Naval Architect at ConocoPhillips Mon Nov 12, 2007
Dogan Cirakoglu, Sr. Naval Architect at ConocoPhillips Mon Nov 12, 2007
"I was very impressed with Sam's knowledge, Can Do attitude, and ability to get approval on tough folder. I will definitely use Sam again, and recommend him highly"
Larry Rosenman, Systems Engineer at Lombardi Software Mon Nov 12, 2007
Larry Rosenman, Systems Engineer at Lombardi Software Mon Nov 12, 2007
"“I have had the pleasure to hire Sam and work with Sam whilst planning the purchase of my home in Austin. Sam went over and above to help find me the best financial package based on the size of the loan and was able to construct a great deal for me. I would use Sam again with no hesitation and in fact have already started that process"
Sean Ludick, Director, Global Retail Marketing - Dell Mon May 26
Sean Ludick, Director, Global Retail Marketing - Dell Mon May 26
"I have completed several successful mortgages with Sam. He has always taken the time to find out exactly what I needed and then found the best program for me. He helped me understand all of my options to get mortgages that best fit my situation and always closed on time. I have recommended Sam to my friends with confidence"
Scott Hackl, Director of Sales - Enterprise Accounts at VeriSign Tue May 27
Scott Hackl, Director of Sales - Enterprise Accounts at VeriSign Tue May 27
"Recently my wife and I became acquanted with Sam when we began to investigate re-financing our home in The Woodlands, Texas. I am a Vice President of a software company and travel very frequently. We first contacted a local bank directly, but after multiple discussions, appraisals, etc., we simply were not getting the service we felt we should be getting from this bank. We contacted Sam through a mutual acquantaince. Sam began helping us look for the right bank, worked with us on the appraisal and was available at all times to help with the mountains of paperwork. Within a few weeks we had multiple choices. The deal we accepted allowed us to drop our interest rate, get some cash out and also to save on our monthly payments, a win in every way! We could not have done this work without the guidance and assistance from Sam. Should you be reading this review, please note that I came back to Sam and asked if I could do a reference for him, as I feel like his service was excellent.”"
Glen Nath, VP, Inprotech at CPA North America Tue May 20
Glen Nath, VP, Inprotech at CPA North America Tue May 20
"Sam is a great loan officer who you can depend on to give your Buyers the very best deal available. This is important when you have clients trying to buy as much home as they can and still wanting to stay within their means. He is up on all the best loan programs available and sticks it out until the deal is done. I love that even though we are in different cities he is always just a phone call, text message or email away, keeping all informed as the buying process progresses. Sam is easy to work with and most importantly your Buyers are getting the very best service and rate every deal, everytime"
Rebecca Syma, Real Estate Consultant and Professional , The Home Team/Marquee Mortgage Sat Sep 15, 2007
Rebecca Syma, Real Estate Consultant and Professional , The Home Team/Marquee Mortgage Sat Sep 15, 2007
"We were to close on our home in December 2004 when my biggest client went into receivership, leaving several MONTHS worth of unpaid legal bills owing to my law firm. We almost lost our new home as a result of a number of past-due mortgage (and other) payments which came after we qualified. Sam stayed with our loan to the bitter end and -miraculously is the only word-managed to close the loan on the absolute last day before our approval lapsed with our lender. I do not know how he manged but he managed to get us closed. I might also add that I was in the middle of a jury trial when all this was going on and could do virtually nothing to help. He worked around all these issues and made it happen despite the obstacles. This is the penultimate recommendation of anyone in his business. This was a hard loan to begin with because of some past and then present credit issues. -Tom Barron”"
Thomas C Barron, President, Law Offices of Thomas C. Barron, P.C. Fri Dec 31, 2004
Thomas C Barron, President, Law Offices of Thomas C. Barron, P.C. Fri Dec 31, 2004
My Q&A
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Samuel K Cow…'s Questions (0)
Samuel K Cow…'s Answers (1)
Samuel K Cowen answered:
Finally a new direction for mortgage rates... heading lower...
check out my free mortgage rate advisory ( updated daily) http://www.877-77COWEN.Com/DailyRateAdvisory
If I were considering financing/refinancing a home, I would.... Float if my closing was taking place within 7 days... Float if my closing was taking place between 8 and 20 days... Float if my closing was taking place between 21 and 60 days... Float if my closing was taking place over 60 days from now... This is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.
Today's most important data was the release of May's Personal Income and Outlays figures. They showed that personal income rose a whopping 1.7% last month, greatly exceeding forecasts of a 0.4% rise. However, most of the surprise increase was a result of the economic stimulus checks and not due to rising wages. The spending portion of the report revealed a 0.8% rise, which slightly exceeded forecasts. Also worth noting is that an inflation reading in the data came in slightly lower than forecasts, so overall, this data can be considered favorable to bonds and mortgage rates.
The second report of the day was the University of Michigan's Consumer Sentiment Index's final reading for June. It showed a modest downward revision of 0.3%, meaning consumer confidence was less than expected. This can also be considered good news for bonds, but this revision is not important enough to heavily influence trading or mortgage rates.
Next week doesn't bring us the release of many reports, but the majority of those on the schedule are considered to be of high-importance to the markets. There is no relevant data due to be posted Monday, but Tuesday does bring us one of the more important reports of the week. Look for more details on next week's events in Sunday's weekly preview.
Friday's bond market has opened in positive territory as stock prices continue to fall. The major stock indexes are showing losses again as yesterday's major sell-off seems to be carrying into today's trading. The Dow is currently down 58 points while the Nasdaq has fallen 11 points. The bond market is currently up 12/32, pushing the yield on the benchmark 10-year Treasury Note below 4.00%. This should improve this morning's mortgage rates by approximately .125 of a discount point.
check out my free mortgage rate advisory ( updated daily) http://www.877-77COWEN.Com/DailyRateAdvisory
If I were considering financing/refinancing a home, I would.... Float if my closing was taking place within 7 days... Float if my closing was taking place between 8 and 20 days... Float if my closing was taking place between 21 and 60 days... Float if my closing was taking place over 60 days from now... This is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.
Today's most important data was the release of May's Personal Income and Outlays figures. They showed that personal income rose a whopping 1.7% last month, greatly exceeding forecasts of a 0.4% rise. However, most of the surprise increase was a result of the economic stimulus checks and not due to rising wages. The spending portion of the report revealed a 0.8% rise, which slightly exceeded forecasts. Also worth noting is that an inflation reading in the data came in slightly lower than forecasts, so overall, this data can be considered favorable to bonds and mortgage rates.
The second report of the day was the University of Michigan's Consumer Sentiment Index's final reading for June. It showed a modest downward revision of 0.3%, meaning consumer confidence was less than expected. This can also be considered good news for bonds, but this revision is not important enough to heavily influence trading or mortgage rates.
Next week doesn't bring us the release of many reports, but the majority of those on the schedule are considered to be of high-importance to the markets. There is no relevant data due to be posted Monday, but Tuesday does bring us one of the more important reports of the week. Look for more details on next week's events in Sunday's weekly preview.
Friday's bond market has opened in positive territory as stock prices continue to fall. The major stock indexes are showing losses again as yesterday's major sell-off seems to be carrying into today's trading. The Dow is currently down 58 points while the Nasdaq has fallen 11 points. The bond market is currently up 12/32, pushing the yield on the benchmark 10-year Treasury Note below 4.00%. This should improve this morning's mortgage rates by approximately .125 of a discount point.
Specialties
Updated June 2008
*** RESIDENTIAL: ***
Great rates on purchase financing for New Homes, Re-sales & For Sale by Owner(FSBO's)
♠ 100% Financing with no mortgage insurance
80/20 Still Available (also 80/10/10, 75/15/10 & 80/15/05) June 08
♠ No closing cost programs, low rate refinance programs to help lower your monthly payment, consolidate debts or pull cash out for home improvements
♠ We Compete w/ Builder Owned Mortgage Co
Quotes To Include cost of Title Policy Fee (we pay)
♠ Preferred Lender of Condo Projects & Urban Lofts
♠ Low Down Payment Investment Properties
♠ 1031 Exchange Lender
♠ Limited Documentation and No Verification Programs
Stated Income, Assets, Still Available June 08
Home Equity Loans and Lines of Credit
♠ Rates lower than Prime available
♠ All Credit Types Considered
Options for credit score as low as 580 (if lower, we can coach you on what to do)
*** COMMERCIAL: ***
♠ Niche & Small Balance options)
♠ Class A Office Condo/High Rise
♠ Apartment Complex
♠ Retail Space/Strip Centers
(franchise or mom & pop shops)
♠ Special Purpose
(Churches, Coin-Op (Car Wash, Laundromat), Storage, etc)
♠ No Products for Commericial Raw Land
*** CONSTRUCTION: ***
♠ Lot Loans
♠ 1 Time Close & or Separate Interim/Permanent
♠ Remodel, Pool & Home Improvement
♠ Locks for 360 Days
*** RESIDENTIAL: ***
Great rates on purchase financing for New Homes, Re-sales & For Sale by Owner(FSBO's)
♠ 100% Financing with no mortgage insurance
80/20 Still Available (also 80/10/10, 75/15/10 & 80/15/05) June 08
♠ No closing cost programs, low rate refinance programs to help lower your monthly payment, consolidate debts or pull cash out for home improvements
♠ We Compete w/ Builder Owned Mortgage Co
Quotes To Include cost of Title Policy Fee (we pay)
♠ Preferred Lender of Condo Projects & Urban Lofts
♠ Low Down Payment Investment Properties
♠ 1031 Exchange Lender
♠ Limited Documentation and No Verification Programs
Stated Income, Assets, Still Available June 08
Home Equity Loans and Lines of Credit
♠ Rates lower than Prime available
♠ All Credit Types Considered
Options for credit score as low as 580 (if lower, we can coach you on what to do)
*** COMMERCIAL: ***
♠ Niche & Small Balance options)
♠ Class A Office Condo/High Rise
♠ Apartment Complex
♠ Retail Space/Strip Centers
(franchise or mom & pop shops)
♠ Special Purpose
(Churches, Coin-Op (Car Wash, Laundromat), Storage, etc)
♠ No Products for Commericial Raw Land
*** CONSTRUCTION: ***
♠ Lot Loans
♠ 1 Time Close & or Separate Interim/Permanent
♠ Remodel, Pool & Home Improvement
♠ Locks for 360 Days
Experience
Latest:
Mortgage Professional for PrimeLending, A PlainsCapital Company
Responsible for creating & building a new Austin based branch operation offering residential financing in 47 states.
With more than 15 years in the mortgage industry, Sam Cowen offers deep industry expertise, a record of entrepreneurial achievement, service orientation and technology and marketing innovation.
Successful mortgage business averages $2 million a month in loans closed. Loan portfolio ranges from residential to construction, investment property, small business and commercial loans. Have developed extensive network of partners including lending institutions, realtors, title companies, appraisers and builders. Innovations include the development of feature-rich loan-origination software designed to automate repetitive and clerical tasks
July 2008—present
Previous:
Founder & Member for Cowen Funding Services, LLC
Successful mortgage business averaged $2 million a month in loans closed. Loan portfolio ranged from residential to construction, investment property, small business and commercial loans. Have developed extensive network of partners including lending institutions, realtors, title companies, appraisers and builders. Innovations include the development of feature-rich loan-origination software designed to automate repetitive and clerical tasks.
October 1999—July 2008
Previous:
Founder & President for Consumer Direct Mortgage, Inc
Founded company, ran operations and managed a staff of nine employees. Closed an average of $3 million in monthly loans. Created and implemented a business model involving targeted direct-mail marketing tied to MLS listings. This program was designed to generate inbound calls to salaried staff of loan officers.
March 1997—August 1999
Previous:
Business Development Associate for CTX Mortgage
Developed alternative strategies for lead generation for call-center retail loan officers on a nationwide level. Worked with company vice president to develop an innovative service bundle with Commerce Land Title, a Centex sister company
November 1995—May 1997
Previous:
Retail Loan Officer for North American Mortgage
Specialized initially in refinance loans. Developed a direct-marketing program that targeted potential home buyers.
May 1993—August 1994
Certifications & Awards
Previously licensed (currently inavctive as required by current employer) Texas Mortgage Broker & Licensed Texas Real Estate Broker
Member of National Association of Mortgage Brokers & Texas Association of Mortgage Brokers
Bachelor of Science in Mechanical Engineering (Energy Fluids) The University of Texas
Member of National Association of Mortgage Brokers & Texas Association of Mortgage Brokers
Bachelor of Science in Mechanical Engineering (Energy Fluids) The University of Texas
Interests
My wife Shannon & two girls Kacie & Savannah
learning, training, teaching, brainstorming, technology, science & astronomy
engineering, building, design & problem solving
racquetball, weightlifting,basketball, boating, adrenaline
learning, training, teaching, brainstorming, technology, science & astronomy
engineering, building, design & problem solving
racquetball, weightlifting,basketball, boating, adrenaline
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