Stephen Fowler

Mortgage Loan Officer AmeriFirst Financial, Inc. NMLS 201652
Steve is a native of Seattle, Washington. After receiving his Bachelor’s Degree in Business Administration at Northwest Nazarene University, he owned and operated two successful businesses in the Seattle area over a 25-yr. period: a public relations/advertising firm and a light manufacturing company.

Since moving to the Phoenix area in 1998, he has worked in the mortgage industry as a Branch Manager and Loan Officer. He currently is a Senior Loan Officer with AmeriFirst Financial and works primarily out of a home office in Peoria, AZ. He is a licensed Loan Officer in AZ, WA and CA.

Steve is a seasoned mortgage professional who is intent on offering personal, professional and ethical service to each and every client, large and small. Foremost in his priorities is keeping the respective real estate agents informed, from prequalification through funding.

Basic to his client service is:

• Seeking to find the most cost-effective financing for each and every client
• Under-promising and over-delivering
• Keeping the client informed throughout the mortgage process and making sure
he or she gets no surprises at closing
• Returning phone calls, emails and texts in a timely manner
• Being available by cell phone and email from 7:00am to 7:00pm seven days a week.

Steve has been married to wife Nancy for over 40 years, has a son and daughter and five grandchildren.
Sep 9, 2020
Steve Fowler is a pleasure to work with. He is very knowledgeable and you really feel the personal touch he puts on every aspect . Professional is the way you are treated and his patience is comforting. He will guide you to success!
Jun 4, 2020
I am thrilled we decided to go to Steve! He is wonderful and very knowledgable. He was very patient with all my million questions! So appreciative! Thank YOU, Steve!!
May 15, 2020
Financial Advisor
Steve’s years of experience and knowledge are obvious. His lightning fast follow up is his greatest strength. I highly recommend!
May 4, 2020
Stephen was great to work with. He kept us informed at all times of what was happening and returned our calls right away when we had questions. He was down to earth and honest.

Apr 22, 2020
Manager at QuikTrip
My wife and I recently used Stephen to refinance our house. Though we began the process before all the Covid-19 challenges, he worked with us to keep us informed and updated as things were continually changing. Because of his efforts, we didn't feel like this refinance journey was a chaotic process, even though so much else was filled with uncertainty.

He was professional, helpful, and very kind to answer our many questions. He was prompt in his response time, and provided an overall interaction of patience and professionalism. We highly recommend him!
Apr 6, 2020
Return client
Steve has helped me with the purchase of my home and now a refi as well. I could not be happier with the end result but am more appreciative of the friendly and informative service he provided. I will trust him with all my future needs and continue to recommend him to anyone who wants the most honest, thoughtful and extremely knowledgeable person in this industry.
Mar 11, 2020
Stephen did A wonderful job for me. He went above and beyond my wildest dream. Thanks to him I will have a home I can call my own and be proud of it! Thanks again for your help.
Jan 27, 2020
Very helpful and caring person, made this experience very easy and stress free. Any questions I had he would respond right away and would guide me step by step on all the documents.
Jan 20, 2020
Working with Stephen was a pleasure, especially being out of state and using Docusign. He timed our rate lock perfectly, getting us the lowest interest rate possible. Highly recommend him.
Dec 3, 2019
Great person to work with. He helped us go through the mortgage process seamlessly and was always there johnny-on-the-spot. Would highly recommend him to anyone including friends and family
May 24, 2019
Senior Proposal Analyst
I would like to take this opportunity to whole-heartedly endorse Stephen Fowler. Steve is the consummate professional. He went above and beyond for my wife and I - both on our original VA mortgage, as well as on the recent update we did.

Thanks to Steve's persistence and professionalism, we were able to save more than $800 annually when we redid the loan. He couldn't have been any nicer or more attentive, and I would recommend him to family and friends - in fact I've already done so!
May 22, 2019
Steve has helped us with new home loans and refinances. We have dealt with him since 1998, 21 years. His help and advice were always outstanding. Steve solved unusual loan problems that our real estate agents thought were insurmountable. If he told us our loan would close on a certain date, it always closed on that date.

Steve has even gone out of his way to bring papers to our house if we were unable to either go to the title company or couldn't figure out how the e-sign worked. My husband and I are retired professionals but are not part of the computer age.

My husband and I both recommend Steve Fowler very highly.
Mar 26, 2019
West USA Realty
Great guy easy to work with has lots of knowledge , the best. Great communicator always gets back to you in a timely manner. Helps with every aspect of getting your loan done. I will recommend him every time.
Mar 25, 2019
I have worked with Steve on several transactions over the years and have come to know him not only as a true professional who knows his business well, but also as a kind and caring human being. A real estate transaction can be quite "messy in the middle" and with so many moving parts, Steve is always on top of things in a way that gives our clients peace of mind knowing that it's going to get done in the most efficient and hassle-free way possible. I've worked with many lenders over many years, and can honestly say that Steve is right up there with the best of the best. With all that we have to navigate through on our end, It gives an agent peace of mind knowing that their client's loan is going to be in good hands with Steve. Take the guess work out of your loan and work with someone who thinks with the successful end in mind - give Steve a call. You'll be glad you did!
Mar 25, 2019
Steve is very thorough , completes task when he says he will and is very straight forward with you, works for your best interest, would strongly recommend him
Mar 25, 2019
Steve helped us with refinancing on two of our rental properties. Steve is very professional and helps the entire process go smoothly. I appreciate Steve's attention to detail and how quickly he addresses issues as they arise. I would highly recommend Steve to anyone looking to either finance or refinance their home. He is truly outstanding in the industry.

Steve Smith
Mar 21, 2019
Retired Nurse
I have worked with Steve Fowler for 19 years for all my mortgage needs. I have obtained several mortgages through Steve to purchase primary residences, vacation homes and rental properties. I have also referred friends and family to Steve. He has never disappointed any of them.
He is the most honest mortgage loan officer I have ever dealt with. His client's needs are always his priority.
Mar 20, 2019
Architect, homeowner
I can't say enough about how helpful Steve was in securing a home improvement loan. I liked working with him. He gets my highest recommendation.
Mar 20, 2019
Our goto Mortgage BANKER.
Steve has created a unique in this day and age "Concierge" system of communication with each Client and interested party.
Mar 18, 2019
Steve Fowler is a great source of information and a tremendous ally to have on your side when facing financing or refinancing challenges. He truly cares about his clients and wants the best results for them. My wife Leslye and myself recommend Steve without reservation.
Mar 18, 2019
Stephen did an awesome job with making everything easy and seamless in securing our loan for our home. Wonderful to work with and got us the best rate possible!
Mar 18, 2019
Account Development Mgr
Within an industry that has been defined over the years as filled with lack of professionalism, integrity, and respect. Steve Fowler is without question a breath of fresh air. Steve has always presented himself as true professional, well respected, and as genuine as an individual that I have ever met. He presents knowledge, quality, and a drive to succeed in all he does. One cannot overlook these qualities when you need to trust someone with the complex understanding of the mortgage industry. One of the most major investments in one life is in either purchase or refinance of your prized possessions of that of a home. Steve is a diamond in the rough and I’m sure that you’ll agree that Steve will go that extra mile for you and your family. It is with great pleasure that I recommend someone that I’m proud to call a friend and confidant.
Mar 17, 2019
Owner of Attendants for Seniors
I've known Steve for three years. He is very knowledgable in financial affairs and very thorough in his work. He helps in any way he can to assist with questions and issues.

Personally, he is a wonderful friend, very kind and generous with his time.

Mar 16, 2019
From the first call I had with Stephen, I knew he was the person I wanted to work with on the purchase of our first home. He is very knowledgeable and always responded very quickly to any concerns or questions I had. It has been a couple years since we had the pleasure of working with Stephen. However, to this date he still goes out of his way to answer any questions I may have about our current mortgage or a possible 2nd home. Stephen will make your home buying process a breeze and headache free!
Mar 16, 2019
Retired and member of Arrowhead Kiwanis and Networking Professional Group.
I have known Stephen Fowler for more than 7 years. I have always found him to be a straight shooter, reliable and meticulous in his dealing with clients and members of our different groups. While I have not had to use his services personally, others have extolled his virtues, competency and abilities in carrying out his responsibilities when working on behalf of his clients.

As a friend, I would rate him in my circle of close and respected friends at the highest level. Few people earn the respect of a man such as Steve and I have found that to be true in y more than 60 years of business and professional life.

I am grateful to know Steve and to count him as a friend.

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