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Jeff Bowman

Vice President of Mortgage Lending
12121 Wilshire Blvd, Ste 350, Los Angeles, CA 90025
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NMLS: 462851
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TestimonialsCustomer testimonials Read more

Jeff is the best. Extremely client focused, always available and always willing to go the extra mile. I have used him for both my home and investment properties. The rates is always extremely competitive and he delivers on promised timelines - extremely rare in this industry. I would highly recommend.

Aaron H., 4/16/14

Jeff Bowman did a great job financing my loan and getting my loan approved for my condo in Newport Beach, California. He also gave me a very outstanding rate.

Rich C., 8/20/14

I was funded in 8 business days and to be recorded in 9. That lightning speed is quite frankly unheard of. Granite escrow company, my real estate agent Roger Jarnigan, and I were all greatly impressed not only with the speed but with the professionalism. I would highly recommend Jeff for any of your lender needs.


Jeff Bowman is very client-focused. A few days before we were about to close on a loan, he quickly noticed the change in the interest rate (in my favor) and was able to find another provider to lock in the lower rate. He instantly saved me a few thousand dollars. Quick responses, professional and most importantly, very knowledgeable in loans as well as the industry in general. I would recommend him anytime.

H. Tamura, 8/20/14

Guaranteed Rate made it easy for me to obtain a loan. I am very satisfied with the process and outcome. I heard about Guaranteed Rate through a friend and colleague, and would definitely use them again.

Michael T., 8/21/14

Jeff and his team swooped in to save my offer on a house in record time. I was so devastated after one lender failed to lock in the rate and didn't tell me that until 7 days prior to closing. I turned to Jeff and he was able to finish the closing in time where I didn't have to lose my deposit. It was at the promised rate with no hidden surprises. He was extremely responsive and made me feel well guided and supported being a first time home buyer.


Jeff was great to work with from start to finish. My entire home buying experience was incredibly smooth, and Jeff played a big part in that. Not only was he informative and insightful, but also respectful and not too pushy. Oh yea, and I got an awesome rate too!

Zillow review

Jeff was great to work with from start to finish. My entire home buying experience was incredibly smooth, and Jeff played a big part in that. Not only was he informative and insightful, but also respectful and not too pushy. Oh yea, and I got an awesome rate too!

Zillow review

About Jeff

Business- With over a decade in the mortgage industry, I can finance a first home or a luxury estate up to $15m. I specialize in jumbo lending and have proven that I can get even the most challenging deals done on time or ahead of schedule. My client's range from first time home buyers to seasoned investors, and I am always willing to help whomever I can. I focus on the west coast but I can handle financing nationwide. If you are looking to buy a home or are considering refinancing, please do not hesitate to contact my team for a no hassle cost/benefit analysis. I am happy to lend advice and help you make a sound financial decision. Personal- I am an active weekend warrior enjoying basketball, running, golf and working out to stay healthy and balanced. Besides those things, I am a photographer and always have my camera nearby so I don't miss capturing a moment. The most valuable time I spend is with my gorgeous wife and radiant daughter as we enjoy our beautiful life together. Specialties- Jumbo Loans Mortgage Debt Management of Complex Real Estate Holdings Working in Concert with CPA's and Financial Advisor's to structure efficient use of debt and equity.

Jeff interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
In 2002, I entered the industry because I take pride in making clients happy as I use my experience and financial markets knowledge to structure the best financing to match their plans for the home.
Who is your typical customer and what questions do they typically have?
My clients are from every walk of life; doctors, lawyers, mechanics, small business owners. They typically want to know loan options and how best to manage their mortgage options as it relates to the rest of their financial life.
What specific steps do you use to help your customers find the best home loan for them?
I have an in-depth conversation that focuses on their current and long term plans for the home and the variety of options they have from a short/long term cost benefit perspective.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage industry since 2002.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
I believe a fixed rate mortgage is the best option for most clients as they mitigate interest rate risk. I always advise to match the loan with their plans for the home. An ARM can have benefits for certain clients that understand we need to review their loan at least annually to ensure they are not about to adjust during a high interest rate environment. An ARM typically will save clients 0.50-0.75% on the rate vs a fixed rate program.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I have had many throughout the years. Recently a client changed careers mid-way during a home purchase and accepted a position that required him to live outside the country a few months out of the year. We gathered information on the employment contract and received a detailed explanation that the client's family would reside in the home.
What advice would you give new or first time home buyers?
I strongly advise to visit with an experienced mortgage professional and get pre-approved. Secondly, they should read about the benefits, costs and responsibility of being a successful homeowner.
Tell us about a mortgage product that consumers may not be aware of?
A lot of clients are unaware that we offer low down payment options that don't require mortgage insurance.
How has the mortgage industry changed since you started, and what would you expect in the future?
The industry has embraced technology to make the loan process easier for the client and I expect that we will continue to innovate in this area. I also anticipate more video conference calls as clients enjoy meeting face to face but it is a challenge with scheduling and logistics.
What part of the home loan process do customers find most difficult and how do you help them through it?
Client's tend to find the process of gathering documents the most difficult. We only ask for the minimum required for us to make a sound lending decision and we utilize a best in class system for clients to upload items.
What are the top 3 misconceptions people have about the home loan process?
A lot of people think that they have to put 20% down. The second most common is the belief that they have to have all their own funds, gifts and a 401k loan are great down payment options. The third misconception I hear is the idea that it is hard to get a loan. This may have been true years ago but great loan options are available for the vast majority of potential homebuyers and people who would like to refinance.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
I recommend Zillow, and the NYT Rent v Buy Calculator.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
I recommend the CFPB Know Before You Owe website and
What can borrowers do to insure a smooth mortgage underwriting process?
Provide all documentation requested in a timely manner.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am active with our city youth sports program.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I am actively involved with the local chapter of the American Cancer Society and participate in various financial rolls as needed.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Los Angeles.I attended Cal State Fullerton and Chapman University.
What provides you with the most satisfaction in your job as a Loan Officer?
Making clients happy as they purchase their new home.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I really enjoy staying active by visiting the gym 5 days a week, biking, playing basketball, and golf. Most importantly the time with my family as they are the most important part of my life.
Tell us something that makes you unique or something wacky, yet interesting about you?
I enjoy cooking, have an in-depth knowledge of wine and I am a semi-professional level photographer.

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