Kristen, great job! I love lenders that get the job done and get it done early! Bravo! Randy Nichols with Re/Max Real Estate.

Amazing loan company! Kristen answered all my questions and was so professional. She worked so fast to get my paperwork in on time. Also, the pricing is fair. They don't try to rob you with hidden fees, like other places. I will never go anywhere else. read more

Kristen and her team at Monarch just refinanced our mortgage. I think this is our 3rd or 4th loan completed through Monarch with Kristen and it gets easier every time. I refer them to family and friends because it is hard to find a company in this industry that you can trust and has that family feel. Having that comfort to just give them the documents they need knowing they will do what they say takes so much of the stress/worry out of the process. Thank you again from a forever customer. Joe Z. read more

Billy is super responsive and takes his time to inform you on all the factors. I find him very pleasant to speak to. Thanks, Billy for being on top of things constantly. I truly appreciate your help. read more

Where do I begin! We worked with Kristen, and she was amazing! She helped us so much, and was patient with us, quick response to emails, and text, and got us approved really fast. She helped us get funded for our first home, and worked with us every step of the way! I will use them again for anything they can help me with! read more

I'm a first time homeowner that couldn't have been more inexperienced on the entire process of buying a home. Billy was incredible to work with and impressively patient and thoughtful throughout the entire process - to the point where I didn't even feel embarrassed to ask my admittedly very basic questions. Can't recommend Monarch enough! read more

Kristen Knight James is my angel! She made a miracle happen after we went through the most horrible time with another lender. In less than 3 weeks she had us funded. I am forever grateful and will always recommend Kristen and Monarch! Thank you for providing my family stability and for being there to listen to me that awful Friday when I was done wrong by NAF. Monarch is top notch!!!! read more

Well, where do I start... Monarch Funding is most definitely the best lender in all of southern California. When I started in Real Estate I was referred to Billy (loan officer) and his team by my business partner. She used Monarch in lots of "clutch" situations when other lenders could not perform. We slowly figured that we should use them for all of our transactions going forward because they perform all the time. Since then, we have referred Monarch Funding many, many clients and all have come away satisfied. This is not your typical lender, they actually get the job done. Straight forward, honest, available on the weekends via cell phone, answers emails promptly, I could go on... Monarch is the gold standard of lenders, you wont regret using their services! read more

I shopped with several lenders and used those offers to negotiate the best mortgage I could get (lowest rate and lowest junk fees). The best deal came from Kristen Knight-James at Monarch Funding. She was great to work with throughout the purchase process and everything went very quickly and smoothly. I couldn't be happier. Interestingly, the reason that Monarch got a shot at selling me a loan is that, as a condition of accepting my home purchase offer, the seller's agent required that I get pre-approved through Kristen to prove that I would be able to perform. The seller wouldn't accept the pre-approval letter that I had from another lender (I guess some lenders hand them out like hotcakes). That, of course, didn't mean that I had to get my loan through Monarch, but because they came through with the best offer, I ultimately did. I'm very glad it worked out that way because Kristen was very responsive and made the process quick and easy. I will definitely use Monarch Funding again in the future. read more

Billy was awesome to work with, he was able to close my loan quickly and with zero hassles, and got me a very competitive rate. He was also very great at explaining all the costs/fees so that I completely understood the process and I always felt confident through the entire process that my loan would close when I needed it to. Thanks for all of your hard work! read more

Kristen James is amazing to work with and was very professional. She was able to take on our loan half way through escrow and came through for us to the end. I highly recommend!! read more

As first time home buyers, my husband and I were a bit intimidated with the entire process. Billy, our loan officer was AMAZING!! He guided us through the whole process of lending and answered our millions of questions. He always gave us ALL the possible options and never rushed us. We were so pleased with Billy and Monarch that we referred our parents to him and they loved their services (so much that my parents brought their team Portos!) Thank you again for taking care of us, you all are FANTASTIC and we're SO thrilled to be in our FIRST HOME!! read more

This was my first experience buying a home, and Kristen made the entire experience easy for me. She is incredibly knowledgeable, responsive, and professional. The process became fun and I learned so much as she guided me through it all. She also took the time to explain what I didn't understand. Thank you so much Kristen! I have, and will continue to recommend you to anyone I know! read more

I am a Real Estate Broker/Realtor and have referred Monarch for 15 years! Every buyer I refer to Kristen Knight because of her high integrity, honest values, fair pricing and most important she has closed every loan I have referred to her! The follow up from Wendy and Maria in the office is phenomenal and I have never had any buyer say anything other then WONDERFUL JOB about Monarch! So happy they care as much about my buyer as I do! Thank you Monarch! read more

I used Monarch as a home buyer and thought that Kristin Knight and her team did an excellent job. They were very professional and helped me though out the process. It was a quick and painless close. read more

I have used Monarch Funding twice in the last 2 1/2 years. I couldn't have found a better company to handle my home loan. They are by far the best lender around and will jump through hoops to get your loan closed. Kristen is fantastic and really knows her business. Wendy was so helpful getting us the paperwork completed so we could buy our home. Then we did a refinance with them and again unbelievable. They don't make any promises the tell you if they can make the loan or not. Any time anyone asks me if I know a good lender Monarch is who I refer them too. Great group of people and truly know their business. read more

We have done 3 loans with Wendy at Monarch Funding. Wendy and Monarch are AMAZING! She makes everything seamless and easy. All of our loans closed in less than 30 days. Wendy makes the process easy. She always gets back to you within a few hours even if she is sick! They are great with working with their appraisers. We saved 15k by doing our loan through Monarch. We will do all our future loans with this company. read more

It doesn't get ANY better than these people! Kristen, Wendy, Billy, Lilly -these are my extended family! Never have they been late to a deadline and have made miracles happen for me for many years ! This is the ONLY company I will ever recommend to my clients... EVER! They make it happen and have never let me down ! Love, love, love them! read more

Where do I begin... I cannot believe I have never written a review on Yelp for Kristen and the team before now! For the past 18 years Monarch Funding/Kristen Knight-James has been providing excellent service for my clients. They are not just lenders providing loans...they actually care about my clients, and help them achieve their real estate goals. I am so fortunate to have built such an awesome relationship with them I often tell my clients, the most important person in your transaction is the lender... without them you have nothing! In 18 years Monarch Funding has ALWAYS delivered what they have promised - they ALWAYS close their deals, and there are never last minute surprises at the end. I popped on here this evening to publicly thank them for saving a transaction of mine that recently went South - perfect example of a client selecting an incompetent lender (not Monarch). After 52 days of investing time and emotional capital the "other" lender (chosen by my buyer) finally informed my client they could not provide a loan for him. MONARCH FUNDING - Kristen, Lil, Wendy, Maria and Janai to the rescue!! I honestly had such relief knowing the "A Team" was going to take charge and get it done!! After 9 business days Monarch Funding was ready to draw loan docs for my buyer!! The previous 52 days (with the other lender) were exceedingly stressful for my client, and frustrating for me as I could see the writing on the wall, and although I do not have a crystal ball... It appeared it was headed down a bad path with the amount of broken promises /lies they kept feeding my client. THANK YOU KRISTEN AND TEAM for saving the day!!! If you are reading this review it is likely you are searching for a lender - please do yourself a favor and choose the right lender - Monarch Funding your experience will be exceptional! read more

Kristen was our loan officer and all the great folks at Monarch were fantastic! They really worked hard to make everything come together. Kristen went above and beyond and answered all my questions (and I had a lot) quickly and professionally. I wish I could rate them higher than 5 stars. Do not hesitate to work with Monarch! read more

I worked with Kristen at Monarch Funding and I have to say...getting a loan was incredibly easy and painless. I have gone thru this process with large banking institutions with their loan officers and hated it. Kristen was so knowledgable, helpful and reliable when getting thru the process. I will ALWAYS go thru Monarch for my lending needs- I just wish I knew earlier! read more

After seeing the positive reviews on Yelp, I went to see Wendy @ Monarch. She was able to get me the rate I wanted @ low-cost...which another broker/lender couldn't do w/o adding a high loan orig. fee & still the rate was too high. Thank you, Wendy for educating me on certain aspects of the loan & giving me different scenarios. I'm extremely happy w/your service! Tina H. read more

I have never done a Yelp review but I had to write something about this GREAT business. Kristen is the best! We thought we would not be able to purchase our dream/retirement home. Kristen went way out of her way to get us the loan we needed. She constantly kept us informed and made things happen! Monarch Funding is the BEST! Don M read more

Billy helped me with my home loan. Best decision I made was going with Monarch. There customer service and hard work make the entire process painless. Thank you Billy! read more

I've really only wrote a few reviews on yelp. When I do, it's because either the customer service was outstanding or because it was just a great experience. After purchasing our new home and closing escrow yesterday evening, my wife and I now feel compelled to write a review about Monarch Funding. Kristen helped us throughout the entire process. I had a few issues that I needed to take care of before we got the ball rolling but once we did everything was SMOOTH!! This is the second home we've purchased and I'm sure everyone has a few horror stories about their experiences with lenders, agents etc. Kristen was VERY professional and would answer calls on her "personal" cell phone. No matter how late it was, or if it was on a weekend, she would answer or at least get back to us within a few hours of us calling. This was by far the best home buying experience I've ever had (not that I'm a seasoned pro by any means) but seriously. I would recommend them to anyone looking to refinance or if they're purchasing a home. You will get treated with a professionalism that's seldom seen these days in the real estate field. She didn't treat us like a "case file". She treated us with the utmost respect and was very prompt on filling out and turning in paperwork. Once again...I HIGHLY recommend you use Monarch funding if you're in the market for a new home. You won't be disappointed. read more

These guys are fantastic, I highly recommend them, they were the difference that got me my new place, quite literally. The fast closing was the deciding factor in my offer being accepted, I won't even say how fast the closing was, because you probably wouldn't believe it! I've already recommended them to my friends and will definitely use them for any future purchases. read more

I was referred to Kristen through my realtor and I can see why! This was our first home and we were using a VA loan, Kristen answered my thousands of questions and made everything so much less stressful. Escrow was one of the smoothest ones I have heard of (we've heard a lot of horror stories lol) Thank you Kristen and Monarch funding! read more