Empowering Your Homeownership Dreams with Chris Bowman

Delivering customized mortgage solutions tailored to each client's unique needs, from first-time homebuyers to those exploring diversifying their income with investment properties. Our expertise and personalized approach ensure a seamless journey to homeownership for families and individuals at any stage of life.

About Chris Bowman

With over 15 years of experience in the mortgage industry, I am your dedicated guide through the exciting journey of home financing. I have seamlessly navigated various roles, evolving from a meticulous processor to a detail-oriented closer, a discerning underwriter, and now a proactive and trusted loan officer.

Why Sun American?

Sun American Mortgage is a mortgage banker, meaning that we can shop for the best rate amongst large loan servicers to ensure our buyers are getting the best deal. Other than that, we process, underwrite, close, and fund the loan IN HOUSE, and then ship the loan to the final servicer who will manage the loan from there. This allows for fast processing and easy communication in house and with realtors and title companies.

Your Trusted Expert in Arizona and New Mexico

Arizona

Explore the diverse landscapes and vibrant cities of Arizona while securing your dream home with Chris Bowman's expert loan officer services.

New Mexico

Immerse yourself in New Mexico's rich cultural heritage and enchanting scenery, all while receiving guidance from Chris Bowman, your trusted loan officer.

Colorado

Explore the diverse landscapes and vibrant cities of Arizona while securing your dream home with Chris Bowman's expert loan officer services.

Explore the right program that fits your needs

Convention

A convenient program that has options for primary, second, or investment property purchases. Primary purchases can have down payments as low as 3%!

FHA

A government insured program that allows down payments as low as 3.5%!

Jumbo

This program is for loan amounts that exceed maximum conforming loan limits.

USDA

A government loan program designed for more rural areas and are only available in certain locations, but has a 0% down payment!

VA

Reserved for our brave veterans, as well as active, or qualifying reserve soldiers, this program comes with wonderful advantages such as 0% down.

Down Payment Assistance

When available, these programs are a great tool to help with the initial costs and fees of purchasing a home, but require more qualifications than a traditional program.

Reverse Mortgage

A Reverse Mortgage, or HECM (Home Equity Conversion Mortgage), is a way, if you are age 62 or older, to use the equity in your home to live out your retirement years. Additional guidelines apply.

*Borrower’s must qualify for the loan programs. Minimum down payments may result in mortgage insurance requirements.

Frequently Asked Questions

Have questions about the home financing process? We've compiled answers to some of the most common inquiries to help clarify your doubts and support your journey.

How do I know which loan type is right for me?

The right loan type depends on your financial situation, credit score, down payment capability, and whether you meet certain eligibility criteria for government-backed loans. We offer personalized consultations to help determine the best fit for your needs.

Can I buy a home with a low down payment?

Yes, several loan programs, such as FHA and USDA loans, are designed for buyers with lower down payments. Conventional loans also offer options for down payments as low as 3%.

What are the benefits of pre-approval?

Getting pre-approved for a mortgage provides a clear idea of what you can afford, strengthens your offer on a home, and speeds up the closing process, making you a more attractive buyer to sellers.

How long does the mortgage application process take?

The timeline can vary based on the loan type and individual circumstances but generally takes from 30 to 45 days from application to closing. We work diligently to ensure a smooth and timely process for each client.

Are there programs for first time homebuyers?

Yes, there are many programs available that offer low down payment options. For first time homebuyers looking for a primary residence, Conventional financing offers a 3% down payment option that requires the borrower take a home-buying education class.

Hear From Our Happy Homeowners

Our clients’ experiences highlight the dedication and personalized service Chris Bowman brings to every home financing journey. Discover how we’ve helped others secure their dream homes with trust and expertise.

Chris Bowman is professional and kept us up to date on each requirement, and followed up with us regularly.

Dr. Carey B.

We bought our new home with a Reverse Mortgage loan with Chris Bowman. She was so gracious and patient to answer our many questions. We recommend her and her team!

Denny S.

Chris Bowman went ABOVE and BEYOND on the refinance we did together. I was able to repair my credit and find the loan that fit my needs. As a single mom of 4, that meant the world to me!

Brittany S.

Enjoy Your Fresh Start With Peace of Mind

Start Your Journey Today

Ready to explore your home financing options? Contact us to experience home buying with the care only family can provide. Together we will show you what’s possible!

Contact Information

4140 E. Baseline Rd. Ste 206 Mesa, AZ 85206 Company NMLS 160265
AZ - BK # 7548 CA - BK # 4130766 NM - BK # 03133 NV - BK # 5385
UT - BK # 9211514, Equal Housing Lender

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License #413-0766

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