Home Purchase Loans
Explore mortgage options for buying a primary residence, with guidance on borrowing capacity, loan programs, application requirements, underwriting, approval, and closing.
Whether you are buying a primary residence, refinancing an existing mortgage, or using built-up equity, the right loan structure can support your financial goals. Excel Mortgage Services provides clear, personalized guidance for owner-occupied property financing, helping you compare practical options, understand documentation and costs, and move forward confidently from application through closing.
Explore financing options designed for purchasing, refinancing, and using equity in an owner-occupied home.
Explore mortgage options for buying a primary residence, with guidance on borrowing capacity, loan programs, application requirements, underwriting, approval, and closing.
Review refinance options when you want to pursue a different interest rate, access cash, or adjust your existing mortgage to better support your goals.
Access eligible financing based on the equity in your home, with personalized guidance on available loan options, qualification factors, and the application process.
Owner-occupied financing is not one-size-fits-all. Excel Mortgage Services helps homebuyers and homeowners evaluate purchase, refinance, home equity, debt consolidation, and reverse mortgage options based on their individual circumstances. You will receive straightforward guidance on loan programs, documentation, credit considerations, appraisal requirements, rate locks, and closing costs so you can make an informed decision with a financing approach that fits your goals.
See how personalized mortgage guidance helps borrowers approach important home-financing decisions with greater clarity.
Receive knowledgeable, client-focused mortgage support from initial questions through closing.
Loan options are reviewed around your goals, circumstances, and financing priorities rather than a one-size-fits-all approach.
Honest, straightforward explanations help you understand loan requirements, costs, documentation, and each next step.
Specialized support is available for purchases, refinancing, home equity, debt consolidation, and reverse mortgages.
Homebuyers and homeowners across California, Arizona, Texas, Oregon, and Florida can receive personalized financing guidance.
Dedicated guidance for important home-financing decisions.
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.
A 90% loan-to-value mortgage means financing 90% of the home’s value and making a 10% down payment or retaining 10% equity. Many banks, credit unions, and mortgage lenders may offer 90% loan-to-value conventional programs, subject to credit, income, assets, property type, and underwriting requirements. FHA purchase loans can allow lower down payments for eligible borrowers. Available programs, pricing, and mortgage insurance requirements vary by lender and borrower profile.
Speak with a loan professional about your next financing decision.
Client guidance built on stated core values.
Individualized guidance throughout the financing process.
Focused support for key home-financing needs.
Share your home-financing goals, and receive personalized guidance on the next steps, available options, and documentation to prepare.
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.