Chris Owen
I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.
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About
Chris Owen
With more than 30 years of experience in the mortgage industry, I still wake up every day excited to help people become homeowners. Even as a divisional manager, I remain a full-time, producing loan officer because staying connected to my clients and the mortgage process is what I love, and what I’ll continue to do for the rest of my career.
I truly believe I have the best customers in the world. Whether you’re buying your first home, moving up, investing, or exploring a refinance, my goal is simple: to listen, understand your story, and help you choose the loan option that fits your life and long-term financial goals.
My Approach
People come to me not just for a mortgage, but for clarity and confidence. I take the time to explain your options, communicate consistently, and make the process smooth from start to finish. My customers describe me as patient, honest, detail-oriented, and solution-focused. I take great pride in submitting complete, clean files so you don’t experience last-minute surprises.
Your goals matter to me. Your time matters to me. And your trust means everything.
My Background
I started my mortgage career in 1994 while attending Sacramento State University, beginning as a loan processor and quickly moving into loan origination and leadership. Understanding every part of the lending process allows me to guide my customers with confidence—and it’s why so many return years later and refer their family and friends.
A Little About Me
I’ve been married to my wife, Erin, since 1992. Together, we raised three sons and a daughter, and we’re blessed to have two wonderful daughters-in-law in our family. We also have a Golden Retriever named Finn, who keeps us laughing and active. We love traveling, enjoying the outdoors, and spending time with those we love. My family is my foundation and the reason I give my best every day.
I’d Be Honored to Help You
Buying or refinancing a home is one of life’s biggest financial decisions—you deserve someone who listens, cares, and knows how to get it done right. If you choose to work with me, I will work hard for you, communicate clearly, and guide you every step of the way.
Thank you for the opportunity to earn your trust and help you achieve your homeownership goals.
Your home loan journey, right from your phone
The LeaderOne App makes getting started simple. Begin your application, securely connect your income and employment information, and complete verification—all from your mobile device. Everything syncs seamlessly, giving you a clear path forward while your LeaderOne loan partner guides you each step of the way.
Your information is protected with industry-leading security, matched to the right loan options, and moved quickly from application to approval. No pressure. No obligation. Just a smarter, smoother way to move home.
How to Get Approved
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
Mortgage Calculator
Enter the total loan amount you want to borrow.
Download Your Homebuying Guide
Fill out this form to get instant access to your free homebuyer guide and start your journey to owning your dream home. Inside, you’ll find expert tips and simple steps to make the process easy and confident.
More About Us
Who we are
LeaderOne is built on the belief that homeownership should feel clear, supportive, and empowering, not overwhelming. For more than three decades, we have combined modern mortgage tools with genuine personal guidance to help families move forward with confidence. We listen closely, communicate transparently, and tailor every experience to the goals of the people we serve.
Our Values
At LeaderOne, we put People First while using Continuous Innovation to make the loan process faster and clearer. Through Empowered Collaboration and the Power to ACT, our teams work together to solve problems quickly and serve clients with confidence. Every interaction is guided by personal care, accountability, and doing what’s right.
Our Impact
At LeaderOne, every loan we close helps support families beyond our own. A portion of each transaction goes directly into the Lending a Hand Foundation, providing financial relief to families facing hardship, through assisting with rent and mortgage payments. Our giving culture also extends into the communities we serve through local outreach, volunteerism, and hands-on support.
