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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 12pm

Potomac Bank Residential Lending

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United States
Charles Town, WV
Potomac Bank Residential Lending

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Potomac Bank Residential Lending is a division of Potomac Bank.

Our award-winning and experienced mortgage lenders will guide you through the process of refinancing, purchasing, or building a home.

11/02/2026

Mortgage Market Update: This week, Steve Cowen - NMLS ID #206679 shares why the holiday season is already underway at casa de Cowen, provides an update on the new appraisal format, and discusses some encouraging movement in mortgage rates following the Fed’s latest decision.

Read the full blog here: https://www.potomac.bank/cowens-corner-mortgage-market-update-christmas-candles-and-a-little-relief-for-rates/

10/26/2026

Mortgage Market Update: This week, Steve Cowen - NMLS ID #206679 shares a morning adventure with Opal, highlights a limited-time mortgage buydown offer, and takes a closer look at the recent movement in mortgage rates ahead of this week’s Fed meeting.

Read the full blog here: https://www.potomac.bank/cowens-corner-mortgage-market-update-opal-the-beaver-and-a-little-relief-for-mortgage-rates/

10/21/2026

Patience paid off for this homebuyer! After waiting for the right home to come along, she found the one that was right for her and is officially a homeowner.

Congratulations on finding the right one!

Connect with Jay Richardson or learn more:
https://www.potomac.bank/residential-lending/mortgage-loan-officers-jay-richardson/

10/20/2026

Mortgage Market Update: This week, Steve Cowen - NMLS ID #206679 shares why Christmas shopping has already become a topic of debate at casa de Cowen, provides an update on appraisal changes, and discusses encouraging signs in the mortgage market despite higher-than-expected inflation.

Read more: https://www.potomac.bank/cowens-corner-mortgage-market-update-christmas-shopping-in-october-and-a-possible-ceiling-for-rates/

10/14/2026

When timing matters, our Potomac Bank Residential Lending team is ready to move. This buyer made their offer, and we helped get them to closing in just two weeks.

Congratulations to the new homeowner!

Connect with Jay Richardson or learn more:
https://www.potomac.bank/residential-lending/mortgage-loan-officers-jay-richardson/

10/13/2026

Mortgage Market Update: This week, Steve Cowen - NMLS ID #206679 shares a lesson in owning a German Shorthaired Pointer, provides an update on the new appraisal format, and explains why mortgage rates may finally be showing a little light at the end of the tunnel.

Read the full blog here: https://www.potomac.bank/cowens-corner-mortgage-market-update-a-hunting-dog-and-a-glimmer-of-hope-for-rates/

10/07/2026

A strong negotiation can make a difference. This buyer was able to negotiate equity into the purchase and use it to help buy down their interest rate.

Congratulations to the new homeowner!

Connect with Jay Richardson or learn more:
https://www.potomac.bank/residential-lending/mortgage-loan-officers-jay-richardson/

10/05/2026

This week, Steve Cowen - NMLS ID #206679 shares another memorable parenting moment, celebrates a record-breaking Pack the ’Pack campaign, and breaks down what the latest employment data could mean for mortgage rates.

Read the full blog here: https://www.potomac.bank/cowens-corner-mortgage-market-update-loose-lug-nuts-and-a-market-holding-its-ground/

09/30/2026

Selling one home while timing the purchase of the next can come with plenty of moving pieces. This client navigated the process and made it look easy!

Congratulations on the new home!

Connect with Jay Richardson or learn more:
https://www.potomac.bank/residential-lending/mortgage-loan-officers-jay-richardson/

09/28/2026

Mortgage Market Update: This week, Steve Cowen - NMLS ID #206679 shares a proud dad moment, breaks down the potential impact of a seller concession and 2/1 buydown, and looks at what caused another volatile week for mortgage rates.

Read the full blog here: https://www.potomac.bank//cowens-corner-mortgage-market-update-new-keys-and-a-wild-week-for-rates/

Address

111 E Washington Street
Charles Town, WV
25414

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 12pm

Telephone

+18002968431

Website

https://www.potomac.bank/residential-lending/mortgage-loan-officers/

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