Sr. Mortgage Advisor

Esther McCowan

Sr. Mortgage Advisor NMLS# 150987 Licensed in TN

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5.0
(27 reviews)
(423) 829-0304 (615) 814-8551 (Fax) [email protected]

8913 Cedarbrook Lane
Knoxville, TN 37922
Branch License #2572233

About Esther McCowan

Your mortgage is personal, and I understand that.

My name is Esther McCowan and I am a Senior Mortgage Advisor with Preferred Rate. Since 1995, I have been working in the lending industry as a Loan Officer. The most important thing I want you to know is that I offer GREAT SERVICE! I cater to my clients with great communication while offering my professional skills to maximize your borrowing power to help you facilitate a loan to purchase your home today!

My name is Esther McCowan and I am a Senior Mortgage Advisor with Preferred Rate. Since 1995, I have been working in the lending industry as a Loan Officer. The most important thing I want you to know is that I offer GREAT SERVICE! I cater to my clients with great communication while offering my professional skills to maximize your borrowing power to help you facilitate a loan to purchase your home today!

See my reviews
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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans
Buy a home Refinance

See what Esther's clients have to say

Vanessa V

We had an amazing experience working with Esther McCowen as our loan officer. From start to finish, she was knowledgeable, responsive, and truly had our best interests at heart. She explained every step of the process clearly, answered all of our questions, and made what can be a stressful experience feel smooth and manageable. Esther went above and beyond to make sure everything stayed on track, and we are so grateful for her dedication and professionalism. We highly recommend Esther to anyone looking for a trustworthy and supportive loan officer! ... Read More

Jan 27, 2026

Aaron W

Esther Mccowan was amazing to work with she made the process a phenomenal experience! I could not have asked for anyone better!

Jan 08, 2026

Aaron W

Esther Mccowan was amazing to work with she made the process a phenomenal experience! I could not have asked for anyone better!

Jan 08, 2026

Danny H

Esther was very helpful and friendly .

Dec 13, 2025

Geovonna H

I would highly recommend Ester. She communicates well. Promptly returns phone calls and emails. Will be honest in answering your questions.

Dec 06, 2025

Geovonna H

great service. very very knowledgeable and kept in contact. Always responded to any emails or calls quickly. Sent out weakly updates. very nice. would highley recommend.

Dec 06, 2025

Hannah W

I’m a single woman who purchased her very first home and after speaking to many lenders I chose Esther McCowan at Preferred Rate not only did they offer me the best interest rates and deal, but she personally was very kind and and helpful with answering all my questions no matter what time I reached out she always got back to me in a timely manner, working with me and my difficult schedule. She always made me feel like my questions and concerns were valid, which after having several negative experiences with other lenders made me feel much more confident in the decisions I was making throughout the whole entire process, I highly recommend if you are looking to buy a home that you reach out to her, she is absolutely one of the best and will make your experience so much better. I know if I ever decide to purchase another home I will be going back to her ... Read More

Dec 03, 2025

Dylan C

Mrs. Esther is GREAT! Her knowledge and level of professionalism is top notch. She was always in touch and explained each step in terms I could understand. She really made me feel comfortable throughout the process. Her and the team at Preferred Rate are on point! I would not hesitate to refer someone to her. Thank you Mrs. Esther!!! ... Read More

Dec 01, 2025

Dylan C

Mrs. Esther is GREAT! Her knowledge and level of professionalism is top notch. She was always in touch and explained each step in terms I could understand. She really made me feel comfortable throughout the process. Her and the team at Preferred Rate are on point! I would not hesitate to refer someone to her. Thank you Mrs. Esther!!! ... Read More

Dec 01, 2025

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2026 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV