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Stephen brings to Brightway several years of experience as a Mortgage Loan Originator for Absolute Home Mortgage. He earned a bachelor’s degree from the University of South Alabama in Mobile, and went on to earn his master’s degree from Florida State University in Tallahassee. Stephen is a member of the Clay County Chamber of Commerce and the Northeast Florida Association of Realtors. In his spare time, he enjoys watching sports, reading and spending time with his family.
Stephen and Lazaro met in 2012 at Miami Dade College where Stephen worked as head coach of the men’s basketball team and Lazaro worked on staff. The two went on to work together during the 2016-2017 basketball season at the University of Louisiana Monroe.
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Stephen Cowherd Agency Owner stephen.cowherd@brightway.com
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Stephen brings to Brightway several years of experience as a Mortgage Loan Originator for Absolute Home Mortgage. He earned a bachelor’s degree from the University of South Alabama in Mobile, and went on to earn his master’s degree from Florida State University in Tallahassee. Stephen is a member of the Clay County Chamber of Commerce and the Northeast Florida Association of Realtors. In his spare time, he enjoys watching sports, reading and spending time with his family.
Stephen and Lazaro met in 2012 at Miami Dade College where Stephen worked as head coach of the men’s basketball team and Lazaro worked on staff. The two went on to work together during the 2016-2017 basketball season at the University of Louisiana Monroe.
Stephen Cowherd Agency OwnerStephen Cowherd Agency Owner stephen.cowherd@brightway.com
Stephen brings to Brightway several years of experience as a Mortgage Loan Originator for Absolute Home Mortgage. He earned a bachelor’s degree from the University of South Alabama in Mobile, and went on to earn his master’s degree from Florida State University in Tallahassee. Stephen is a member of the Clay County Chamber of Commerce and the Northeast Florida Association of Realtors. In his spare time, he enjoys watching sports, reading and spending time with his family.
Stephen and Lazaro met in 2012 at Miami Dade College where Stephen worked as head coach of the men’s basketball team and Lazaro worked on staff. The two went on to work together during the 2016-2017 basketball season at the University of Louisiana Monroe.
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Rafaela Cowherd Producer rafaela.cowherd@brightway.com
Prior to joining Brightway, Rafaela worked as a chemical engineer in quality control in Brazil. Rafaela is excited to be a licensed agent and looks forward to working with clients to help them with their insurance needs. When she’s not in the office, Rafaela enjoys spending time with Stephen and their 14-month-old son.
Rafaela Cowherd ProducerRafaela Cowherd Producer rafaela.cowherd@brightway.com
Prior to joining Brightway, Rafaela worked as a chemical engineer in quality control in Brazil. Rafaela is excited to be a licensed agent and looks forward to working with clients to help them with their insurance needs. When she’s not in the office, Rafaela enjoys spending time with Stephen and their 14-month-old son.
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Debbie Callaway Producer debbie.callaway@brightway.com
Debbie Callaway Producer
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904-469-1900Our Office
104 College Drive Suite 4
Orange Park, FL 32065
Hours of Operation
Monday: 9 a.m. to 5 p.m.
Tuesday: 9 a.m. to 5 p.m.
Wednesday: 9 a.m. to 5 p.m.
Thursday: 9 a.m. to 5 p.m.
Friday: 9 a.m. to 5 p.m.
Saturday: By Appointment Only
Sunday: By Appointment Only
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