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Sun American Mortgage · NMLS 1585422

Your home
is waiting.
Let's get you
there.

Clearly, confidently, and without surprises. With 15+ years in mortgage — processor, underwriter, loan officer — I guide you through every step so you always know what's next.

See What You Qualify For Run the Numbers
15+ Years Experience
100% Transparent Process
Chris Bowman
🏡
New construction specialist AZ · NM · CO
Sun American Mortgage
Sun American Mortgage Company NMLS 160265
01
Get preapproved the right way
We go in depth on the details upfront to help avoid any surprises later. A real preapproval — not just a pre-qual.
02
Compare your scenarios
Down payment, rate, points, monthly payment. I help you see the full picture so you choose what actually fits your life.
03
Close with confidence
Well-structured loans, clean files, and proactive updates that keep deals on track. No last-minute scrambles.
How It Works

From application to keys in hand

The mortgage process doesn't have to feel overwhelming. Here's exactly what happens — and what I handle for you — at every step.

1
Step One
Pre-Approval

We start with a real conversation about your goals, income, and timeline. Then I pull your credit, review your finances, and issue a solid preapproval — not just a pre-qual. Builders and sellers take this seriously because it's done right from day one.

✓ You'll know exactly what you can afford — before you fall in love with a home.
2
Step Two
Home Search

While you shop for your home with your agent, I'm in your corner running numbers on different scenarios — comparing down payment options, rate locks, and monthly payments — so every decision you make is backed by real data, not guesswork.

✓ Use the calculator on this page any time to model different scenarios.
3
Step Three
Processing & Underwriting

Once you're under contract, I gather your documents and submit a clean, well-structured file to underwriting. My background as a processor and underwriter means I catch potential issues before they become problems — keeping your file moving fast and your stress levels low.

✓ I'll proactively update you at every milestone — no radio silence.
4
Step Four
Clear to Close

This is the moment everything comes together. Underwriting has approved your loan, your rate is locked, and we're cleared for closing. I'll walk you through your final numbers — exactly what you'll bring to closing and exactly what to expect — so there are zero surprises at the table.

✓ No last-minute scrambles. Clean files close on time.
🏡
Step Five
Keys in Hand

You sign, you close, you get your keys. This is what all the work was for. And because we did everything right from the start, this moment feels exactly like it should — exciting, not stressful. Congratulations on your new home.

🎉 This is the part that makes it all worth it.

Ready to start Step One?

Get preapproved the right way — it takes about 15 minutes and costs nothing.

Get Pre-Approved in Minutes Start Your Homebuying Plan
Chris Bowman and family
15+ Years in
mortgage
About Chris

A calm educator,
not a salesperson

I started my career in mortgage as a processor, then an underwriter — so I've seen loans from every angle. That background means I know exactly where deals can go sideways, and I work to prevent it from day one.

Born and raised in Chihuahua, Mexico. Proud dad to three incredible boys, sharing life with my wife. When I'm not working, you'll find me chasing the next adrenaline rush — whether that's skydiving, off-roading, or anything that gets the heart pumping. My wife and I also love exploring new cuisines together, finding the best spots in every city we visit.

And yes — my office has a full wall of tropical plants. Home is everything.

New Construction Expert Bilingual (ES/EN) 15+ Yrs Experience Licensed AZ, NM, CO
📞 AZ/CO: (480) 703-3032
📞 NM: (575) 805-3805
✉️ chris.bowman@sunamerican.com
📍 4140 E. Baseline Rd. Ste 206, Mesa, AZ 85206
Loan Products

Tailored solutions for every goal

Whether you're buying your first home or building your portfolio, we have the right structure for you.

🏡
Purchase Loans

First-time buyer or moving up — I'll help you choose a payment that fits and avoid common pitfalls along the way.

🔄
Refinance

Rate/term and cash-out scenarios explained clearly so you can decide with confidence. No pressure, just options.

🏗️
New Construction

Specialized in new build timelines, builder incentives, and rate lock strategies. This is my home turf.

📋
All Loan Types

Conventional, FHA, VA, USDA, Jumbo — we'll pick the right structure for your goals, income, and timeline.

⚡
Ready to see what you qualify for?

We shop the best deal from start to finish. Competitive rates, processing & funding expertise, and clear communication throughout.

See What You Qualify For →
Client Stories

What clients say

My goal is to make the mortgage process as smooth and stress-free as possible.

"
★★★★★

Chris Bowman has been working with me from the beginning of my home building process. He has been exceptionally helpful and attentive anytime there was even a small hiccup in the process. Both always responded immediately to any email or text I sent them. And they were always positive, reassuring, and very professional. I cannot say enough superlative things about them.

P
Patrick Mathieu
Google Review ⭐⭐⭐⭐⭐
"
★★★★★

Working with Chris and his team at Sun American Mortgage was one of the easiest experiences I have ever had. They provided what I think of as concierge service. They were readily available if I had questions or just wanted to reassure myself. I would HIGHLY recommend and if I were to buy a home again, I would hope I can go through them again!

T
T K — Local Guide
Google Review ⭐⭐⭐⭐⭐
"
★★★★★

Chris is absolutely amazing!! He and his team work fast and diligently to get you to a closing date. The process for me took less than 3 weeks. Even after my closing date he has sent follow up emails just to check in. I HIGHLY RECOMMEND CHRIS BOWMAN!!

K
Katherine Hadrian
Google Review ⭐⭐⭐⭐⭐
Mortgage Calculator

Run your numbers

Estimate your full monthly payment including taxes, insurance, HOA, and PMI — auto-calculated by loan type. Compare up to 4 scenarios or see how bi-weekly payments save you thousands.

Fetching today's rates...

Your loan details

Loan Type
Home Price
$
Down Payment
%
Interest Rate
%
Loan Term
Monthly Costs
Loan Amount auto
$
Property Tax
$
Insurance auto
$
HOA
$
PMI auto
$
Estimated Monthly Payment
$2,593
Principal & Interest
—
Loan Amount
—
Property Tax
—
Insurance
—
PMI
—
HOA
—
Ready to lock in a real rate?
Start Your Homebuying Plan

A Scenario A

Est. Monthly—
Loan Type
Home Price
$
Down Payment
%
Loan Amount auto
$
Interest Rate
%
Term
Prop. Tax
$
HOI auto
$
PMI auto
$
HOA
$
Notes for Scenario A

B Scenario B

Est. Monthly—
Loan Type
Home Price
$
Down Payment
%
Loan Amount auto
$
Interest Rate
%
Term
Prop. Tax
$
HOI auto
$
PMI auto
$
HOA
$
Notes for Scenario B

C Scenario C

Est. Monthly—
Loan Type
Home Price
$
Down Payment
%
Loan Amount auto
$
Interest Rate
%
Term
Prop. Tax
$
HOI auto
$
PMI auto
$
HOA
$
Notes for Scenario C

D Scenario D

Est. Monthly—
Loan Type
Home Price
$
Down Payment
%
Loan Amount auto
$
Interest Rate
%
Term
Prop. Tax
$
HOI auto
$
PMI auto
$
HOA
$
Notes for Scenario D

Total Monthly Payment Comparison

Total Interest Over Life of Loan

Want help deciding which scenario fits best?
Ask Chris

Your loan details

Loan Amount $320,000
Interest Rate 6.75%
Loan Term

How it works: Instead of 12 monthly payments, you make 26 half-payments per year — equivalent to 13 full payments. The extra payment goes straight to principal.

Monthly Payment
—
Standard 12 payments/year
Bi-Weekly Payment
—
26 half-payments per year
Interest Saved
—
Years Saved
—

Total Interest Comparison

Monthly
—
Bi-Weekly
—
*Not all lenders allow bi-weekly payments. Ask Chris.
Get Details
Atención en Español

Hipotecas, con
claridad.

Le ayudo a entender sus opciones y a avanzar con confianza — desde la preaprobación hasta el cierre. Nací en Chihuahua, México, y entiendo la importancia de sentirse bien informado en su propio idioma.

  • Opciones explicadas paso a paso en su idioma
  • Comparación clara de escenarios (pago inicial, tasa, mensualidad)
  • Comunicación rápida y directa durante todo el proceso
  • Especialista en casas nuevas y comunidades en desarrollo
Comenzar mi solicitud →

"Nací y crecí en un pequeño pueblo de Chihuahua, México, donde el inglés era el idioma que aprendí con mucho esfuerzo. Soy padre de tres hijos increíbles y comparto este camino con mi esposa. Me apasiona ayudar a las familias latinas a lograr el sueño de la casa propia."

CB
Chris Bowman NMLS # 1585422 · Sun American Mortgage
Get In Touch

Let's talk about
your home

No pressure, no jargon. Just a real conversation about your goals, your timeline, and the best path forward.

📞
AZ/CO: (480) 703-3032 · NM: (575) 805-3805 Call or text — I respond quickly
✉️
chris.bowman@sunamerican.com Email for detailed questions
📍
Mesa, AZ 85206 4140 E. Baseline Rd. Ste 206
🗺️
Licensed in AZ, NM & CO Serving borrowers across 3 states
🚀 Ready to go? Start your application now →
Send me a message

Your information is private and will never be shared. I typically respond within a few hours.

✅

Message received!

Thanks for reaching out. I'll be in touch soon — usually within a few hours.

FAQ

Common questions

Everything you need to know before you start your mortgage journey.

Chris Bowman is licensed in Arizona, New Mexico, and Colorado. He originates loans anywhere in those states but specializes in the entire Phoenix Valley — including Mesa, Gilbert, Chandler, Queen Creek, San Tan Valley, Tempe, and Scottsdale — as well as Las Cruces and Southern NM. He specializes in new construction loans in both markets.

Conventional loans typically require as little as 3–5% down. With 20% or more down you avoid PMI entirely. The right amount depends on your goals — Chris will help you compare scenarios side by side so you can choose what fits your budget and timeline.

FHA loans require just 3.5% down and have more flexible credit requirements, making them popular for first-time buyers. They include monthly mortgage insurance (MIP) regardless of down payment. Conventional loans offer more flexibility on property types and eliminate PMI once you reach 20% equity. Chris will walk you through both options and show you the real numbers.

Yes. VA loans require no down payment for eligible veterans and active-duty service members, and have no monthly PMI. Chris is experienced with VA loans and can help you navigate the eligibility and entitlement process quickly.

Yes — this is Chris's specialty. He understands builder timelines, rate lock strategies, builder incentives, and how to structure new construction loans across the Phoenix East Valley and Las Cruces, NM. He is the preferred lender for KT Homes in Las Cruces.

Yes. Chris was born and raised in Chihuahua, Mexico and is fully fluent in English and Spanish. He can guide you through the entire mortgage process — from preapproval to closing — in your preferred language.

You can start your application online at apply.sunamerican.com, call (480) 703-3032 (AZ/CO) or (575) 805-3805 (NM), or fill out the contact form on this site. Chris typically responds within a few hours.

New construction timelines vary by builder, but typically range from 4–12 months. Chris works closely with builders to ensure your financing is timed perfectly with the construction schedule — including rate lock strategies that protect you from rate increases during the build.