Delaware mortgage lender · DSHA-approved loan officer
Chad Bowers, Delaware Mortgage Lender at Nation One Mortgage
Chad Bowers is the Wilmington branch manager for Nation One Mortgage and a DSHA-approved loan officer with more than 20 years in the mortgage business. He specializes in first-time homebuyer programs, including Delaware State Housing Authority (DSHA) loans and down payment assistance, and he is one of the lenders Team Sordelet trusts with our buyers.
Apply with Chad or start your pre-approval
Use the links below to start your mortgage application with Chad Bowers. Applying is free and does not lock you into a loan. Not sure which program fits? Read our Delaware mortgage financing and pre-approval guide first.
Apply online
Start Chad's secure online mortgage application, the fastest way to get pre-approved.
Download Chad's mortgage app
Create your secure account in Chad's Nation One mortgage app to apply, upload documents and follow your loan from your phone.
Call or email Chad
Prefer to talk first? Call (302) 650-2133 or email cbowers@nationone.com for a free mortgage consultation.
About Chad Bowers
With a 21-year career in mortgage lending and more than $1 billion in loans overseen, according to Nation One Mortgage, Chad Bowers brings deep experience to every purchase and refinance. He leads the Nation One Mortgage branch on Concord Pike in Wilmington and works with buyers across New Castle, Kent and Sussex counties.
Chad's particular expertise is first-time homebuyer programs. He helps buyers understand what they qualify for, compare FHA, VA, USDA, conventional and DSHA options, and use down payment and closing cost assistance the right way. Above all, he puts customer service first, so you get a smooth, supportive experience from pre-approval to closing.
Loan Officer Mark Foster works directly with Chad on the same Nation One Mortgage team in Wilmington. See Mark Foster's page. Team Sordelet buyers can also work with Adam Stuller of Pike Creek Mortgage.
- Branch Manager
- Chad Bowers, NMLS #147895
- Phone
- (302) 650-2133
- cbowers@nationone.com
- Office
- Nation One Mortgage
1521 Concord Pike, Suite 302
Wilmington, DE 19803
Get pre-approved before you shop
Most buyers find a home first and get pre-approved second. In today's Delaware market that's too late: popular homes draw multiple offers, and sellers favor buyers whose financing is already reviewed. Getting pre-approved with Chad Bowers first lets you shop with a clear budget and move fast when the right home hits the market. There's no cost to get started.
Apply
Start a secure online application or call Chad directly.Review
Chad reviews your credit, income and assets and explains your options.Pre-approval
Get a pre-approval letter so your offer is taken seriously.Shop & close
Tour homes with Team Sordelet, make an offer and close on time.
Loan programs for Delaware home buyers
First-time buyer loans
Low down payment options and guidance for buyers purchasing their first Delaware home.
DSHA & down payment help
Delaware State Housing Authority first mortgages with down payment and closing cost assistance. See DSHA programs and rates.
FHA loans
As little as 3.5% down with flexible credit guidelines.
VA loans
0% down for eligible veterans and service members, including Dover Air Force Base families.
USDA loans
0% down in eligible rural parts of Kent and Sussex counties.
Conventional & refinance
Conventional, jumbo and refinance options for move-up buyers and current owners.
Buying a home in Delaware with Team Sordelet
Pair a great lender with a great agent. Team Sordelet of Real Broker, LLC helps buyers across Delaware write offers that get accepted. Start with our Delaware mortgage financing guide and today's rates, our free Delaware home buying guide, get the free Team Sordelet Buyer Guide, read about buyer closing costs in Delaware, or search every home for sale.
Chad Bowers FAQs
How do I get pre-approved with Chad Bowers?
Click Apply Now to start a secure application with Nation One Mortgage, call Chad Bowers at (302) 650-2133, or fill out the contact form on this page and Team Sordelet will connect you. Getting pre-approved before you tour homes tells sellers your financing is solid.
Does Chad Bowers offer Delaware State Housing Authority (DSHA) loans?
Yes. Chad Bowers is a DSHA-approved loan officer and can walk you through DSHA first mortgages such as Welcome Home and Open Door, plus down payment and closing cost assistance.
What loan programs are available?
Common options include FHA, VA, USDA, conventional and jumbo loans, first-time homebuyer programs, DSHA programs with down payment assistance, and refinances. Your loan officer will recommend the right fit for your credit, budget and goals.
How much do I need for a down payment in Delaware?
It depends on the loan: VA and USDA can be 0% down, FHA is 3.5%, and many conventional loans start at 3% to 5%. Delaware buyers should also plan for closing costs of roughly 4% to 6% of the price, which DSHA assistance or seller credits can help cover.
Is a pre-qualification the same as a pre-approval?
No. A pre-qualification is a quick estimate. A pre-approval means the lender has reviewed your credit, income and assets, which makes your offer much stronger to Delaware sellers.
Where is Chad Bowers's office?
Chad Bowers works out of Nation One Mortgage, 1521 Concord Pike, Suite 302, Wilmington, DE 19803, and helps buyers across New Castle, Kent and Sussex counties.
Have Chad Bowers contact me
Fill out the short form below and we'll connect you with Chad about getting pre-qualified or applying for a home loan. Prefer to start now? Apply online or call (302) 650-2133.
Apply nowCall ChadChad Bowers, Branch Manager, NMLS #147895. Nation One Mortgage Corporation, NMLS #1564450, Equal Housing Lender. This page is provided by Team Sordelet of Real Broker, LLC, a real estate brokerage, not a lender. Lender information is for convenience; you may choose any lender. Loan approval, rates and programs are subject to credit, underwriting and program guidelines. NMLS Consumer Access.
