Purchase Loan Guidance
Review home purchase financing options based on your goals, borrowing capacity, credit profile, and anticipated down payment before choosing a path forward.
Buying your first home can feel complex, from comparing loan options to preparing paperwork and reaching closing day. Excel Mortgage Services provides clear, personalized mortgage guidance to help you understand borrowing capacity, evaluate programs, navigate underwriting, and move forward with confidence. Get practical support focused on your goals, financial picture, and a smoother path to homeownership.
Personalized support for comparing purchase financing, preparing an application, and navigating each stage of your first home loan.
Review home purchase financing options based on your goals, borrowing capacity, credit profile, and anticipated down payment before choosing a path forward.
Understand the financial documentation, income review, asset information, and credit considerations commonly needed to prepare for a mortgage application.
Receive guidance through application submission, processing, underwriting, appraisal, approval, and closing so you know what to expect at each milestone.
Excel Mortgage Services helps first-time buyers turn a major financial decision into a manageable process. We begin by understanding your homeownership goals and financial situation, then help you evaluate suitable purchase-loan options and prepare for each requirement. From estimating borrowing capacity through underwriting and closing, you receive straightforward guidance designed to help you make informed decisions without a one-size-fits-all approach.
See how clear communication helps buyers navigate important home-financing decisions.
Thoughtful mortgage guidance centered on your goals and a clear understanding of the process.
Guidance is tailored to your financial situation, priorities, and homeownership goals.
Understand loan milestones, required documentation, and next steps throughout the financing process.
Honesty, integrity, and competence guide every conversation and financing recommendation.
Receive help addressing questions and potential issues that arise while securing financing.
Guidance from a dedicated mortgage professional.
Mortgage Loan Officer
Chris Bonnema is a dedicated Mortgage Loan Officer at Excel Mortgage Services, operating out of Templeton, California with an additional office in Georgetown, Texas. With a focus on honesty, integrity, and competence, Chris specializes in reverse mortgages, home refinancing, and home purchases, guiding clients through every step of the financing process. He serves homeowners and homebuyers across California, Arizona, Texas, Oregon, and Florida, providing personalized mortgage solutions tailored to each client's unique needs. Chris is committed to helping borrowers secure the lowest possible interest rates and closing costs while overcoming any roadblocks that may arise. Whether working with first-time homebuyers or homeowners exploring retirement income through home equity, Chris delivers clear, informed, and client-focused guidance throughout the entire loan process.
The principal-and-interest payment on a $200,000, 30-year fixed-rate mortgage changes with the interest rate. At 6%, it is about $1,199 per month; at 7%, about $1,331; and at 8%, about $1,468. These figures do not include property taxes, homeowners insurance, mortgage insurance, HOA dues, or lender fees. Your actual payment estimate should include all applicable housing costs.
Speak with a mortgage professional about your financing goals.
Core values guiding borrower conversations and recommendations.
Individualized support for each borrower’s financing goals.
Guidance from application through approval and closing.
Share your home-buying goals and receive personalized guidance on preparing for your mortgage application.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.