Nick Cowan

Nick Cown is the Executive Vice President and COO | CA-DBO 245789

Nick Cowan is an avid investor, an ambitious producing Loan Officer, and the Executive Vice President and Chief Operating Officer (COO) of US Lender Home Loans, Inc. He stands out for his great dedication to providing home loan solutions to clients looking to buy or refinance a home. He specializes in Jumbo, VA, USDA, FHA, Conventional, and Home equity products. For over 15 years now, Nick has continually emerged as a top-producing loan officer and recognized as one of the country’s elite loan officers.

Nick is a decorated Combat Military Veteran and former Paratrooper who diligently served two tours in Iraq during Operation Iraqi Freedom and was discharged honorably from the military service. During this period, he demonstrated great discipline, integrity, loyalty, and respect. Passionate about serving others, Nick sought a career that would give him the satisfaction of helping clients build generational wealth by investing in real estate from their first home to building a portfolio of rentals, and a career in the mortgage industry emerged as his perfect choice.

Currently residing in Carlsbad, CA, Nick draws on his excellent understanding of the local market to guide, advise, and educate his clients exhaustively, effectively empowering them to make informed decisions. As a family man, Nick understands the importance of having a place to call home and leverages his understanding to ensure his clients receive the best loan programs at the lowest rate possible. 

Nick has multiple rental properties and flip houses. His experience while purchasing his first home equipped him with excellent knowledge about the diverse aspects of the real estate process, which allows him to guide first-time buyers and avid investors to increase their portfolio. He goes all out to provide them with a variety of mortgages that suit their specific needs, preferences, and requirements. He also strives to update his clients frequently on any changes or notifications regarding their mortgage process.

Nick takes pride in his ability to connect easily with clients, his willingness to gain a deeper understanding of their needs, and work around the clock, 24/7, to offer exceptional services. While the mortgage process can sometimes seem impersonal, Nick endeavors to make the process fun and friendly. He believes that customer satisfaction and relationships are the core elements of any successful Loan Officer. Thus, he is keen on forming strong and long-lasting relationships with his clients based on a shared vision of success and mutual trust. 

Outside work, Nick enjoys spending time with his family; his fiancée Danielle, his son, Ethan, and his daughter, Ellie. He has two dogs, Bentley and Freddie. Contact Nick today, and you will find a Loan Officer who will share your dream and deliver results to your satisfaction.


Nick Cowan| Executive Vice President and COO | CA-DBO: 245789
Serving All Your Lending Needs Since 2006

(714) 642-3557