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NOW IS A GREAT TIME TO PURCHASE or REFINANCE.  Historically low interest rates!

Serving Metro DC and surrounding counties in Maryland and Northern Virginia, BCT’s experienced mortgage lenders can guide you through the process of refinancing, purchasing, or building a home.

With fixed and adjustable rates, construction loans, and VA, FHA, and USDA options, we can help you purchase your dream home. Pick a BCT Residential Lending mortgage officer in your area below, then select 'Prequalify Now!' or contact them by phone or email.   We're ready to help you today.

Financial Calculators

Our calculators can help determine your monthly payments on mortgage loans, as well as goals to help you stay on budget. Visit our Calculator Page .

For More Information 

Visit one of our branches or contact one of our Mortgage Loan Officers today.


Steve Cowen |  NMLS # 206679
SVP, Director of Mortgage Banking
Loudoun County, Northern Virginia, and DC 
703-928-5714 | E-mail
Prequalify Now! | Visit Steve Cowen's webpage


Tammy Demick |  NMLS # 520136
Mortgage Loan Officer
Berkeley County, WV, and Washington County, MD
304-283-5189 | E-mail
Prequalify Now! | Visit Tammy Demick's webpage



Tammy Miller | NMLS # 467000
Mortgage Loan Officer
Jefferson County, WV

304-728-2467 | E-mail
Prequalify Now!  | Visit Tammy Miller's webpage


Gwen Miller | NMLS # 206689
Virginia Production Support Manager
Loudoun County, Northern Virginia, and DC
540-270-4144 | E-mail
Prequalify Now! | Visit Gwen Miller's webpage