Home Purchase Loans
Explore loan options for buying a home, from estimating borrowing capacity and choosing a program to application, underwriting, approval, and closing.
Excel Mortgage Services provides personalized guidance for home purchases, refinancing, reverse mortgages, and equity-based financing. Whether you are comparing loan programs or planning your next move in San Antonio’s active housing market, our mortgage loan officer helps make each requirement, cost, and decision easier to understand. Get clear support from application through closing, with solutions shaped around your financial goals.
Personalized lending guidance for buying, refinancing, or using your home equity responsibly.
Explore loan options for buying a home, from estimating borrowing capacity and choosing a program to application, underwriting, approval, and closing.
Review refinancing options to pursue a better interest rate or access available cash, including guidance on costs, points, rate locks, and timing.
Receive clear, individualized guidance on using eligible home equity as potential retirement income, with step-by-step support throughout the reverse mortgage process.
A mortgage is more than a rate—it is a financing decision that should fit your plans, budget, and property goals. Excel Mortgage Services offers one-on-one guidance to help San Antonio borrowers compare appropriate options, understand documentation, and address potential roadblocks. From a first home purchase to refinancing or retirement-focused equity planning, Chris Bonnema brings an honest, personalized approach to every stage of the loan process.
See how personalized mortgage guidance helps borrowers make informed financing decisions.
Clear guidance and client-focused support for important home-financing decisions.
Receive financing recommendations shaped around your goals, eligibility, and individual lending circumstances.
Our work is guided by the core values of honesty, integrity, and competence.
San Antonio borrowers can work with a provider serving Texas from its Georgetown office.
Get help understanding documentation requirements and addressing issues that can affect loan progress.
Personal attention from an experienced mortgage loan officer.
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.
Mortgage rates in San Antonio change frequently and vary by loan type, term, credit profile, down payment, property type, occupancy, and lender pricing. A quoted rate should be reviewed alongside annual percentage rate, points, lender fees, and the rate-lock period. Excel Mortgage Services can help you compare current options based on your specific purchase or refinance goals rather than relying on a single advertised rate.
Talk with a loan officer about your financing goals.
Client-focused financing support built on honesty.
Individual attention through each loan stage.
Purchase, refinance, and reverse mortgage guidance.
Share your home-financing goals, and we will help you understand the next steps and available options.
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.