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.
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.
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.
Explore the diverse landscapes and vibrant cities of Arizona while securing your dream home with Chris Bowman's expert loan officer services.
Immerse yourself in New Mexico's rich cultural heritage and enchanting scenery, all while receiving guidance from Chris Bowman, your trusted loan officer.
Explore the diverse landscapes and vibrant cities of Arizona while securing your dream home with Chris Bowman's expert loan officer services.
A convenient program that has options for primary, second, or investment property purchases. Primary purchases can have down payments as low as 3%!
A government insured program that allows down payments as low as 3.5%!
This program is for loan amounts that exceed maximum conforming loan limits.
A government loan program designed for more rural areas and are only available in certain locations, but has a 0% down payment!
Reserved for our brave veterans, as well as active, or qualifying reserve soldiers, this program comes with wonderful advantages such as 0% down.
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.
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.
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.
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.
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%.
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.
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.
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.
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.
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!
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!
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!
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License #413-0766
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