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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

Testimonials
4.98 out of 5.0 stars
4.98
4.96
5.0
Dwayne W
Jul 30, 2025
Verified

Five-Star Review for Monica Bowman – An Exceptional Mortgage Broker Working with Monica Bowman was an absolute pleasure from start to finish. She was attentive, professional, and incredibly supportive throughout the entire mortgage process. Monica was there for us every step of the way, always making sure we felt confident and secure in every decision. She answered all of our questions promptly and clearly, never leaving us in the dark. Even when other parties made mistakes or caused confusion, Monica was quick to jump in, advocate for us, and get things back on track. Her dedication and responsiveness made all the difference. Monica is a true expert in her field and someone you can trust completely. If we ever need a mortgage broker again, she’s the only one we’d feel comfortable working with. Highly recommend!
Reggie
Jul 29, 2025
Aptos, CA
Verified

There are truly no words to fully express how grateful my husband and I are for Monica Bowman (Moni). From the very beginning, she was there every step of the way, guiding us through every detail and process of buying our home. Her professionalism, expertise, and genuine care for her clients set her apart—she’s truly the best at what she does. Monica not only helped us secure our loan, but also connected us with one of the best realtors in town, making the entire experience smooth and successful from start to finish. She became more than just our sales manager—she became a trusted friend and a reliable resource we could count on at any moment. Her support didn’t end at closing; she has continued to be there even after the deal was done. We feel incredibly lucky to have had Monica by our side during this journey. She is a rare gem in this industry—skilled, sincere, and simply the best with people. If you have the chance to work with her, consider yourself in the best hands possible.
Terri
Jul 29, 2025
Aptos, CA
Verified

Monica closed the transaction early and as promised with no known hick-ups.
Bobbie
Jun 28, 2025
Verified

Monica is one of those lenders that will move mountains to get things done. Her experience and tenacity ensure even the most challenging transactions close successfully!
Shawndy
Jun 24, 2025
Santa Cruz, CA
Verified

Monica is amazing! She's knowledgeable, professional, and one of the hardest-working mortgage brokers I've ever worked with. She cares and is committed to providing the highest level of service.
Casey
Jun 02, 2025
Santa Cruz, CA
Verified

Monica was fantastic! She helped us figure out which options we had and decide which one was the best for us based on our finances, jobs, and target properties. She was communicative and easy to get ahold of, and she told us what she needed but was never pushy even with deadlines needing to be met. She honestly got everything taken care of with minimal effort and time on our part which is exactly what we needed, and she helped us figure out how we could get into the neighborhood we really wanted to but staying in a budget that we were very comfortable with. Monica went above and beyond and we don't plan to get a new place any time soon, but the next time we do, she will be the first person we call.

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #230667
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;