Loan Officer
Justin Bowman has been helping people finance their homes since 2003. With more than 20 years in lending, he’s guided clients through every kind of market. Today he’s a loan officer with Happy Dog Home Loans in Chico, California. As a mortgage broker, Justin isn’t tied to one bank’s rates or rules. He shops more than 100 lenders to find the loan program, rate, and terms that actually fit each client’s goals.
Justin offers FHA, VA, USDA, conventional, jumbo, adjustable- and fixed-rate loans, and reverse mortgages. He’s known for creative problem-solving, from showing sellers and buyers how a rate buydown can beat a price reduction to finding a path forward on complicated properties.
With more than 300 client reviews and a 4.8-star average, Justin’s clients consistently point to the same things: he’s easy to reach, explains every step in plain language, and keeps the process moving with the support of a dedicated, organized team.
Originally from Long Island, New York, Justin moved to California in 1994 and has called the state home ever since. Based in Chico, he proudly serves clients throughout all of California, from Butte County to San Diego. When he’s not working, you’ll find him on the golf course, planning his next trip, or spending time with his two kids.
NMLS ID: 219579
“Finally, someone who picked up the phone.”
“Closed in 18 days. They meant it.”
“Made it easy when I thought it would be impossible.”
Pre-approved on day one
I shop dozens of banks and investors to find the loan built for your situation, then fund it directly. All the options of a marketplace, none of the shopping.
One person owns your loan from first hello to keys in hand. No phone trees, no getting passed around, no re-explaining your life to a stranger.
You close on time and always know where things stand. We work backward from your date, keep everything moving, and never leave you guessing.
Compare the right next step for your goals, timeline, and current mortgage.
Experience all the benefits of buying a home.
We’ll walk you through the process, explore the whole market, and get you a real number with no pressure.
Experience all the benefits of Refinancing your home.
Get a straight answer on whether refinancing makes sense. Real numbers, no credit hit, and no pressure; just honest guidance.
Here’s what it looks like when you actually have someone in your corner.
I’ll get on the phone, answer every question straight, and walk you away pre-approved the same day. Most lenders make you wait days for that. I don’t.
I’ll compare the whole market and walk you through your real options in plain English. No decoding, no guessing.
Conditions, documents, the underwriting back-and-forth – I handle it all. I’ll make sure you know exactly what’s needed and when. No wondering.
I’ll send proactive updates the whole way, so you hear it from me before you’d ever have to ask. No ghosting, no surprises at the table.
You have more options than you think. And choosing the right loan can make all the difference. Here’s the lay of the land.
The standard option for most buyers. Often the best fit if your credit and down payment are solid.
For veterans and active service members. No down payment required for those who qualify.
Lower down payment requirements. A common path for first-time buyers who need flexibility.
For homes in eligible rural and suburban areas. Can mean zero down if you qualify.
Lower initial rates with flexibility. Start low, then adjust based on market conditions.
You’re self-employed. Your bank account proves you earn.
You sold your home but need to close on the next one today. Bridge Loan gets you there.
You own rental properties that cash flow. DSCR Loan qualifies you on what your property actually makes.
Predictable payments that never change. Lock in your rate for 15 or 30 years and build equity with certainty.
A Home Equity Line of Credit (HELOC) or Home Equity Loan can help you access that equity for renovations, major expenses, debt consolidation, or other financial goals.
You own your home outright or nearly there. Reverse Mortgage lets you convert equity into cash while you stay.
This is what it feels like to work together.
The answers to what matters most before you move forward.
A hard pull checks your actual credit report and shows up on your history. That doesn’t happen until you’re ready to move forward. The initial conversation is just a conversation.
No. First-time buyers, repeat buyers, refinancers – all welcome, repeat buyers, refinancers, and people with complicated income situations. The loan type changes. The process doesn’t.
Bring it to us. Different lenders have different overlays and risk appetites. What one bank declines, another may approve, especially through the broker channel where we access dozens of wholesale lenders. We’ll tell you honestly if there’s a path.
You’ll see a full breakdown before you commit to anything. Our fees are transparent, and in many cases, lender credits cover part or all of the cost. No hidden charges. No surprise line items at closing.
I handle every file personally.
Reach out and you’ll hear from me directly, not a team, not a queue.
