AI Breaks Credit

  Founder & Principal Lending Strategist 

With more than 25 years of experience in mortgage lending, Demetrius Fowler has built his career on one simple philosophy: Practical Wisdom. Trusted Advice.

As Founder and Principal Lending Strategist of Owl Lending, Demetrius helps homeowners, investors, self-employed borrowers, and business professionals navigate today's lending market with confidence. His expertise includes Conventional, FHA, VA, Jumbo, Non-QM, DSCR, Construction, and Commercial financing.

Known for his integrity, straightforward communication, and strategic approach, Demetrius believes every client deserves personalized guidance—not just a loan. He is committed to building lifelong relationships by delivering thoughtful financing solutions that help clients achieve their real estate and financial goals.

We Love Making Homes More Affordable

 Senior Lending Coordinator 

With over 20 years in mortgage lending, Bridgid has dedicated her career to helping loan officers, borrowers, and business partners navigate the lending process with confidence. Having worked in nearly every area of the industry—including origination, underwriting, processing, operations, secondary marketing, and pricing—she brings a well-rounded perspective to every transaction.

Bridgid believes that exceptional customer service begins behind the scenes. She is committed to building efficient systems, supporting her team, maintaining the highest compliance standards, and ensuring every loan moves through the process smoothly. Her goal is simple: create an organized, transparent, and stress-free experience for everyone involved