Cornerstones of Success
When it comes to helping individuals and families achieve successful homeownership, Academy is 1st CHOICE. For over 30 years, we have delivered exceptional mortgage service, in-house loan fulfillment, a broad portfolio of products and tools, and integrity-based mortgage banking.
Monica Bowman
CONTACT INFORMATION
Suite 100
Capitola, CA 95010
It is my mission to carefully guide you through the entire home loan process. Together we will make decisions that meet your short term and long term financial needs. You will be confident as you make choices about the many financial options available.
My dedicated team and I are committed to a lifelong relationship; a relationship which will not end when escrow closes. I am here for a lifetime of support. I will continue to monitor interest rates and let you know when opportunities arise to improve your current situation. We will be your ultimate resource for mortgage financing and industry information.
Academy Mortgage Corp. has successfully instituted innovative mortgage systems and technologies to reduce operating costs--a savings that is passed on to you, to provide you with low mortgage rates and competitive pricing!
Specialties: Conventional fixed and adjustable rate mortgages for conforming loan amounts, FHA, VA, CALSTR's, Homepath, Fannie, Freddie, Jumbo's and much more!
Home Mortgage Tools
How much will my fixed rate mortgage payment be?
This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.
How much mortgage might I qualify for?
This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.
How much home can I afford?
This calculator computes the most expensive house you can buy, based on the highest payment you can afford.
How much will I save by increasing my mortgage payment?
Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.
ARTICLES
Learn more about Academy Mortgage and the mortgage process.
Working with Monica was one of the best experiences! She was thoughtful, detail oriented and made miracles happen!
—Stephanie Dunn
I was surprised how easy it was and how well everything was laid out and explained to me. Also felt like I got "a good deal".
—Alexander, Client
I credit Monica with bringing me from 25k in credit card debt to purchasing a 500k home in 6 months! Monica worked super hard to get this done on time and made herself available to me. Above and Beyond! I won't ever go anywhere else!
—Shauna, Client
Working with Monica was one of the best experiences! She was thoughtful, detail oriented and made miracles happen!
—Stephanie, Client
I am very happy we found Monica. She makes the process as painless as possible, and I'll be doing all my financing through her in future. She's our 1st CHOICE!
—Philip, Client
Working with Monica and handing off my clients to her to ensure a successful transaction if a "gift" in my business. Monica is very professional, very well liked and she closes the transactions and everyone is HAPPY!!!!!! Monica and her team are great business women, very mindful and work so hard in a timely matter to keep everyone on track!
—Debra
Professional and committed staff. Their team work is excellent! The process from start to finish was done in a timely manner. We are truly thankful for your services. Thank you for always making us feel welcome and always available for questions.
—Francisco & Elia, Clients
Excellent!! Monica and her team were caring, skilled and responsive at every turn. I've already begun recommending their unprecedented services.
—Leslie, Client
Monica and her team at Academy went above and beyond! Smooth processing, wouldn't of had it any other way! We closed a week early!
—Austin, Client
Monica and her team are the best we have ever worked with. Our realtors shared how impressed they were with Monica and her team as well. It's evident by the way they handle the whole process that they are veterans in their field. We love how effective and efficient they are. During the process, they continually reassured us and helped to reduce the natural stress that goes along with the process. We appreciate the constant communication and the follow-up. Because of their exceptional support we were able to close on time. They help to make dreams possible and we are so grateful for the way they do their job. Monica and her team are exceptionally detailed oriented.
—Alex, Client
Excellent service and lovely, caring people!
—Jon, Client
Monica was very helpful and knowledgeable. She listened to our desires and goals and presented all options. Once the loan process got started, she was extremely helpful in getting us the information we asked for, walking us through the process, and being very flexible with our busy schedule. I would definitely recommend Monica to friends/family. The only thing that we would suggest is a little more info on timelines. Sometimes we were left wondering, but a call/email to her was replied to in a very timely manner.
—Benjamin Slyder
Monica Bowman and team provided an exceptional experience. I was apart of THE team throughout the process AND felt we all work cohesively and collaboratively. She was able to problem solve an extremely complicated Loan situation and close escrow ON TIME during a Hot Market. Most importantly my client is happy, I'm happy and overall win/win for everyone.
—Leslie Cruz
Professional and committed staff. Their team work is excellent! The process from start to finish was done in a timely manner. We are truly thankful for your services. Thank you for always making us feel welcomed and always available for questions. Francisco & Elia Perez
—Francisco & Elia Perez
—Shawn Lewis
Our refi was a breeze! Monica and Nika were both super helpful and capable. It was also so nice to be able to trust the people working on our loan... not having to inspect all the fine print with a magnifying glass... This was our second loan with Monica, and if we ever need a third we will definitely be back. Highly recommended!
—Sarah Lopez
My experience with Monica Bowman and her staff was extremely positive. She made it easy to understand the refinance process, and communicated clearly with me about the documentation I needed to provide. I would highly recommend her to anyone looking for loan services.
—Carolyn, Client
As a newer agent, I was grateful for the extra help Monica gave explaining some special circumstances about my clients' loan process.
—Kristin Hurley
—Jon moreno
Monica is fabulous! I would recommend her to everyone. She really went to bat for us and I don't think we could've done this without her.
—Stephen, Client
Monica was very helpful and knowledgeable. She listened to our desires and goals and presented all options. Once the loan process got started, she was extremely helpful in getting us the information we asked for, walking us through the process, and being very flexible with our busy schedule. I would definitely recommend Monica to friends/family.
—Benjamin, Client
Monica and her team are the best we have ever worked with. Our realtors shared how impressed they were with Monica and her team as well. It's evident by the way they handle the whole process that they are veterans in their field. We love how effective and efficient they are. During the process, they continually reassured us and helped to reduce the natural stress that goes along with the process. We appreciate the constant communication and the follow-up. Because of their exceptional support we were able to close on time. They help to make dreams possible and we are so grateful for the way they do their job. Monica and her team are exceptionally detailed oriented.
—Alex Hardt
Monica Bowman and Nika Hernandez are amazing! I had a wonderful experience working with Monica Bowman and Nika Hernandez. Thank you for your help!
—Joseph Torrez
Our refi was a breeze! Monica and Nika were both super helpful and capable. It was also so nice to be able to trust the people working on our loan... not having to inspect all the fine print with a magnifying glass... This was our second loan with Monica , and if we ever need a third, we will definitely be back. Highly recommended!
—Sarah, Client
A fantastic professional transaction. Thank you!
—Christine Cumming
As a newer agent, I was grateful for the extra help Monica gave explaining some special circumstances about my clients' loan process.
—Kristin, Realtor
Excellent -Monica snd her team were caring, skilled and responsive at every turn. I've already begun recommending them Unprecedented services
—Leslie Tremaine
Monica is amazing. She was so supportive and efficient! Thank you Monica and staff.
—Suzanne, Client
Monica and her team were awesome. My loan closed on time and I have already referred a friend to Monica.
—Daniel, Client
Keep up the love and great work!
—Daniel, Client
Monica was wonderful... super helpful and patient and worked so hard !! i really really appreciated her availability, and expertise.
—Shauna Reisewitz
Monica did an amazing job with our loan process and went above and beyond to ensure our confidence and made sure everything went smooth. Great job by her and the Academy Team !
—Daniel Severson
Loan officer help me a lot more of what she was supposed to do. Made me feel comfortable with the process. Am a first-time home buyer so she made me feel great taking this step in my life
—Victor De Haro
Monica Bowman and Nika Hernandez are amazing! I had a wonderful experience working with Monica Bowman and Nika Hernandez. Thank you for your help!
—Joseph, Client
My experience with Monica Bowman and her staff was extremely positive. She made it easy to understand the refinance process, and communicated clearly with me about the documentation I needed to provide. I would highly recommend her to anyone looking for loan services.
—Carolyn Parks
Monica was wonderful... super helpful and patient and worked so hard !! i really really appreciated her availability, and expertise.
—Shauna Reisewitz
Monica and the team are extremely professional and efficient. They are so friendly that it makes what could be a stressful experience enjoyable. It's a pleasure to work with them!
—Marie, Client
VIDEOS
Watch these videos to learn more about your loan.
