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About me
Welcome!
With over 30 years of experience in the mortgage industry, my mission is to help you achieve your homeownership dreams and financial goals. Whether you're buying your first home, upgrading to your dream home, or exploring refinancing options, my focus is on providing personalized solutions tailored to your unique needs.
My Approach
I believe every customer has a story, and it’s my job to listen. Your goals, financial situation, and future plans are as unique as you are, and I take the time to fully understand them. Together, we’ll explore options that align with your vision, ensuring you make confident, informed decisions.
You can count on me to be compassionate, trustworthy, and solution-oriented. I strive to make the home loan process as smooth as possible by communicating clearly, submitting complete and well-prepared files, and addressing potential challenges upfront. My goal is to eliminate surprises, so your experience is seamless from start to finish.
My Background
I began my mortgage career in 1994 while attending Sacramento State University. Starting as a loan processor, I quickly moved into roles as a loan officer and eventually into sales management. This hands-on experience has given me an in-depth understanding of the entire loan process. It’s why my customers appreciate not only my knowledge but also my ability to guide them through each step with confidence and clarity.
Building relationships has always been at the heart of my work. For me, it’s not just about closing a loan—it’s about creating lasting connections and helping you achieve your long-term financial goals.
Why Choose Me?
When you work with me, you’ll benefit from:
*Personalized Attention: I take the time to understand your goals and provide solutions that are tailored to you.
*Expertise: With decades of experience, I have the knowledge to navigate any situation and find the right option for you.
*Smooth Process: My attention to detail ensures an efficient, streamlined process with no last-minute surprises.
*Relationship Focus: I’m here for the long term, not just for today’s transaction.
A Little About Me
My wife, Erin, and I have been married since1992. We’ve raised three sons and a daughter and are now blessed to have two wonderful daughters-in-law who are part of our family. Our Golden Retriever, Finn, is also an important part of our family. We love traveling, exploring the outdoors, and spending quality time together. My family is my greatest inspiration and motivation.
Thank you for considering me as your partner in this exciting journey. Whether you're buying a home or refinancing, I am here to help you every step of the way. Let’s work together to turn your dreams into reality.
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Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
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Testimonials
My husband and I had the pleasure of working closely with Chris in 2023-2024 during the purchase of our first home. From the very beginning, Chris impressed us with his extensive knowledge and kind demeanor. He went above and beyond to help us understand the financial aspects of homeownership by creating detailed breakdowns of our mortgage, including taxes and interest, allowing us to better budget and plan. Chris was incredibly patient, never rushing us or making us feel like an inconvenience, no matter how many questions we had. Even after completing the home-buying process, he has remained a valuable resource, consistently providing assistance and responding promptly whenever we reach out. His dedication to ensuring his clients feel supported and well-informed is truly commendable. Chris is not just a professional; he genuinely cares about his clients and wants the best for them. We are deeply grateful for his guidance throughout this important milestone in our lives. Thanks Chris for everything! - Jag and Jas!
I had the pleasure of working alongside Chris Owen for several years as his loan officer assistant and a loan officer on his team. Chris is an incredibly kind, dedicated, and communicative loan officer and manager. He goes above and beyond for his clients to find the best solution for their needs. He genuinely cares for everyone he meets. Chris is extremely trustworthy, relational, and responsive. I cannot recommend him enough to anyone looking to purchase or refinance a home. His service is exceptional!
Chris and his team were amazing to work with! Entire refinance process took approximately 2-3 weeks. He kept me up-to-date and made the entire process seamless and transparent! I also really appreciate how he went over my options few times with me and helped me select the option that made the most sense for me financially!
Chris has been very helpful in our home purchase journey. I cannot express how much he provided me reassurance, comfort, and peace during this whole process. This is our first time purchasing a home, and I had so much fear and anxiety throughout the whole time. But every time I had a question or concern, he was literally a phone call /text message away. He is super responsive. Chris is always available, and he always makes time. I enjoyed working with him so much due to his professionalism and customer service. I would recommend anyone who is in the home purchasing process to reach out to Chris. I guarantee you, he really is wonderful and I work with him all over again.
I’m a broker in Meadow Vista and love working with Chris. I can count on him to quickly meet with my clients and get approvals. If Chris Owen is helping my client with a loan I do not have to worry! Makes for easy closings!
“Working with Chris as my mortgage loan officer was an outstanding experience. He was incredibly attentive and knowledgeable, answering all my questions with clarity and patience. Chris was always very responsive, making sure I felt supported every step of the way. What stood out the most was how much he genuinely cared about helping me through the process. His professionalism and dedication turned what could have been a stressful journey into a smooth and positive experience. I highly recommend Chris to anyone looking for a mortgage loan officer who combines expertise with a personal touch.”
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