Mortgages
Made Easy

Home Refinancing in California, Arizona, Texas, Oregon & Florida

Meet Chris Bonnema

Hello, I'm Chris Bonnema, a dedicated mortgage loan officer at Excel Mortgage Services, based in California with an additional office in Georgetown, Texas. I specialize in Reverse Mortgages and Home Refinancing & Purchases, helping homeowners across California, Arizona, Texas, Oregon, and Florida make confident, informed decisions about their home financing.

Whether you're a homeowner exploring how to turn your home equity into retirement income, or you're looking to refinance for a better rate or to access cash, I'm here to guide you through every step with clarity, honesty, and personalized attention. My goal is simple: take the complexity out of the process so you always know exactly where you stand.

What I Specialize In

• Reverse Mortgages — Helping homeowners 62+ access their home equity for more financial flexibility, without giving up ownership of the home they love.
• Home Refinancing — Including Conventional, FHA Streamline, VA Cash-Out, and other refinance programs designed to fit your specific goals, whether that's a lower rate, cash out, or paying off your loan faster.

Two Offices, Five States Served

With offices in California and Georgetown, Texas (78633), I proudly serve homeowners throughout California, Arizona, Texas, Oregon, and Florida. Every market is different, and every homeowner's situation is unique — so I take the time to understand your goals and match you with the loan solution that actually fits your life, not a one-size-fits-all approach.

Let's Work Together

Your financial well-being is my top priority. If you're ready to explore your options for a reverse mortgage or refinancing, I'd love to help you find the right path forward. Reach out today, and let's start the conversation.