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David G Gowen

Home Lending Producing Sales Manager

NMLS ID: 160948

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and craft a mortgage that’s custom-fit for you.

David G Gowen

4485 S. Cobb Drive

Smyrna, GA 30080

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As a mortgage professional for over 30 years, I use my strong knowledge of all aspects of the industry to help craft a unique solution to help meet the needs of my clients, Realtors, and builders. My goal is to use my experience to deliver the best combination of products and services in a timely, friendly manner.

 

I am committed to providing superior customer service to what is usually the largest purchase in a person's life. My aim is to be a valuable resource, and I will strive to meet or exceed your expectations.

 

I am a lifelong Georgia native who currently lives in Cumming, GA with my wife Ali. We have two daughters in college and a son who keeps us busy with baseball.

 

Contact me for assistance with new build, conventional, and jumbo home lending, as well as construction-to-permanent, FHA, VA, and renovation loans.

Professional Affiliations

  • Georgia Mortgage Bankers Association
  • Affiliate Member National Association of Realtors
  • Affiliate Member Georgia Associaton of Realtors
  • Affiliate Member Northeast Atlanta Metro Association of Realtors

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Education

  • Bachelor of Business Administration, Management, Georgia Southern University, 1984

Community Involvement

  • Cumming First United Methodist Church Greeter Program
  • Leadership Forsyth Alumni
  • West Forsyth High School PTO
  • Habitat for Humanity Volunteer

Languages Spoken

  • English
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Today's Rates

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A mortgage expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

 

1Rate as of 5/24/2018 10:07 AM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,231. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 5/24/2018 10:07 AM ET. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,770. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  5/24/2018 10:07 AM ET. The APR calculation is based on a 7/1 adjustable-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,191.  Payment amount does not include taxes and insurance which means your monthly obligation will be greater. With an adjustable-rate mortgage (ARM), your 7/1 loan will have an initial fixed-rate period of 72 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset.  Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.  Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

4Rate as of  5/24/2018 10:07 AM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,186. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.