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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
5.0
4.97
5.0
Janice
Sep 06, 2025
El Dorado Hills, CA
Verified

I had a wonderful experience working with Monica to purchase my new house. Our family has used Monica before so I didn't hesitate to contact her when I was ready to buy a house. With her knowledge and experience, I knew that I could trust her to guide me through the process in a positive and efficient way. She kept me informed and was available to answer my questions. I would highly recommend Monica, she cares about her clients and will help you through the loan process in the most supportive way.
Nicholas
Sep 04, 2025
Scotts Valley, CA
Verified

Monica helped us through the entire process and was amazing! We couldn't have asked for a better person to help us through this difficult process.
Janet
Sep 04, 2025
Scotts Valley, CA
Verified

Monica does s a great job
Kailey
Aug 05, 2025
San Jose, CA
Verified

Great communication, smooth and fast transaction closed.
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.

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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;