What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
Cenicio & Kristine U.
The Washington Family
Monica is willing and ready to assist you with all of your financing needs. She has been a loan originator for over 18 years and has gained extensive knowledge and experience in structuring all types of loans including FHA, Conventional, VA, Renovation, and First Time Homebuyer Programs.
Her values and integrity are fundamental in her business, which makes borrowers feel comfortable working with her. Monica cares about her clients and listens to their needs to help them navigate perhaps the largest financial decision in their lives. She is by their side every step of the way.
Monica is a dedicated wife, mother of two boys and a baby girl. Her family is vital to her growth spiritually, professionally, and emotionally.
When considering the purchase of a new home, acquiring an investment property, or refinancing, please contact Monica for a personalized mortgage plan.
CA LIC# CA-DOC260020
Mortgage Education Videos
Peter Hernandez from Mission Viejo , CA via Zillow
First Time Home Buyers: Call Monica, you will not be disappointed . I closed in 19 days after starting the loan process with Monica and got a very good rate. I am very green to the whole home buying experience but Monica took the time to explain all the details and walked me through it every step of the way. She is very good (and fast) at what she does and and will take the time to help you with any questions! JUST CALL HER.
Erika Carmona from Corona , CA via Zillow
In the lending world it's important to find a loan officer that is willing to take the time to know their client. An officer that is willing to understand their client's needs and offer options that fit those needs. Monica Villarreal was that loan officer for me. She walked me through all the steps. She was readily available; super responsive and approachable. She offered valuable market insight and hung in there with me when I wanted to give up. When I finally found "the" property she worked tirelessly to get my loan approved and closed within a record time in one of the busiest times of the year. If you're looking for a loan officer that is knowledgeable but also kind. Monica is your loan officer.
Evelyn Valdez from Santa Ana , CA via Zillow
As first time homebuyer we are so glad to have worked with Monica, she made the process very easy and was extremely helpful she was always there to answer all of our questions and made sure to get us the best rate !! We really appreciate everything she did for us . I would highly recommend her.
Johanna Hernandez from Huntington Park , CA via Zillow
Monica has been assisting our family since the purchase of our first home in 2011. From start to finish, she is able and willing to answer any questions that we have; even urgent late night calls. She has been there to assist in our multiple refinances, and she recently guided us as well for our second home purchase during COVID. Her reliability and expertise are unparalleled, and we are grateful to have her on our team.
Guillermo Gutierrez from Los Angeles , CA via Zillow
Monica provides excellent understanding of our entire loan process. She has taken the time to educate us and is always available to address our concerns. I feel like she went above and beyond and we got an even better rate than expected. Thank you Monica!
lopez vee77 from Moreno Valley , CA via Zillow
Monica has been our lender for both a purchase and home refinance for the past 15yrs. She is always so thorough in explaining our loans, assures to get us the best rates and is always providing the best experience! We highly recommend her!
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Monica VillarrealCerritos Branch
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.