Loans
FHA LOans
Conventional loans
Conventional loans
Buyers can obtain a home with as little as 3.5% down. Recommended for Buyers with less than perfect credit. Can be used with down payment assistance programs.
Conventional loans
Conventional loans
Conventional loans
With as little as 3% down, Buyers can purchase a home. Recommended for Buyers with high credit scores. Can be used with down payment assistance programs.
VA Loans
Conventional loans
Bank Statement loans
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Vets can purchase a home with 0% down and less than perfect credit. Loan can also be structured to include closing costs.
Bank Statement loans
DOWN Payment assistance loans
Bank Statement loans
No Taxes...No Problem!
We can avoid using tax returns and use income from your bank statements with as little as 10% down. Avoid tax returns with this product.
DOWN Payment assistance loans
DOWN Payment assistance loans
DOWN Payment assistance loans
We are approved to offer down payment assistance products that can help Buyers close with low-to-no money down! Each program has it's own rules. Contact us for more details.
debt service coverage (DSCR)
DOWN Payment assistance loans
DOWN Payment assistance loans
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If you are buying an investment property, we can get you closed as long as the total rents on the property exceed the cost of the monthly mortgage payment.
Self-employed loans
NO Income documentation
Self-employed loans
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Most self-employed borrower's write off the majority of their income on taxes. We have products including Profit & Loss only, 1099 only, Bank Statements, and No Income documentation loans that can help.
RENOVATION LOANS
NO Income documentation
Self-employed loans
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We have renovation products such as the FHA 203K and HomeStyle loans that can help you finance the cost of renovation or rehabiliation into your home loan. You can use the future value of the home after repairs and finance the renovation.
NO Income documentation
NO Income documentation
NO Income documentation
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Have issues showing income? No problem. We have a product that will allow you to show no income! It requires a large down payment and high credit score but may get you around challenging income situations and/or no tax returns!
HELOC
2-4 Unit Properties
NO Income documentation
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Home Equity Lines of Credit are a great way to access your equity without refinancing your 1st mortgage. It is a great option for Home Improvement, Debt Consolidation, or whatever else you need cash to accomplish.
2-4 Unit Properties
2-4 Unit Properties
2-4 Unit Properties
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We have financing that will allow you to buy units as a Primary Residence or as an Investment from 3.5% - 20% Down. If you are looking for income property, we got you covered with multiple products to choose from.
CONSTRUCTION LOANS
2-4 Unit Properties
2-4 Unit Properties
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Through our one time close product, we can offer you a construction loan and home loan in one. This will give you the ability to build a home on vacant land! If you can't find a home you like, we can build one, on site.
Loan Types
PURCHASE OR INVESTMENT LOANS
REFINANCE LOANS (RATE & TERM)
REFINANCE LOANS (RATE & TERM)
We have many loan programs to assist first time homebuyers or investors in acquiring property! Give us a call for a free 15 minute consultation.
REFINANCE LOANS (RATE & TERM)
REFINANCE LOANS (RATE & TERM)
REFINANCE LOANS (RATE & TERM)
Save money by lowering your monthly payments! Interest rates are at historical lows. Give us a call to help you save money today!
REFINANCE CASH OUT
REFINANCE CASH OUT
REFINANCE CASH OUT
Pull cash out of the equity of your home to help payoff bills, pay for large expenses, or for your own enjoyment. Homes are increasing in value which will allow you to access your equity and pull out cash!
RENOVATE OR REPAIR
REFINANCE CASH OUT
REFINANCE CASH OUT
Improve your quality of life with home renovation loans. These loans will allow you to make improvements to your property including adding an Accessory Dwelling Unit (ADU) or back house, painting, plumbing, pools, or any other improvement you would like to make.
First Time Home Buyers
FIRST TIME HOMEBUYERS
DOWN PAYMENT ASSISTANCE
DOWN PAYMENT ASSISTANCE
Over 80% of Monarch's clients are First Time Homebuyers (FTHB). We offer products that can lower your down payment, closing costs, interest rate, mortgage insurance, and down payment assistance products to our First Time Homebuyers. When you apply, we will discuss the options available to you.
DOWN PAYMENT ASSISTANCE
DOWN PAYMENT ASSISTANCE
DOWN PAYMENT ASSISTANCE
We offer the following programs:
Down Payment & Closing Cost Assistance:
- CalHFA
- Los Angeles City (LIPA & MIPA)
Down Payment Assistance:
- GSFA Open Doors
- GSFA Platinum
When you apply, we will match your application to any programs for which you qualify.
MORTGAGE RELATED VIDEOS
DOWN PAYMENT ASSISTANCE
MORTGAGE RELATED VIDEOS
There are several videos on products, processes, programs, etc.:
www.youtube.com/@monarchmortgage
Meet The Team
CARLDEN LAINFIESTA
CARLDEN LAINFIESTA
CARLDEN LAINFIESTA
Carlden Lainfiesta, The Mortgage Fiesta, is a Mortgage Broker with Monarch Mortgage. He hardworking, skillful, charismatic individual with a high level of work ethic and professionalism. He has 12 years of experience working in mortgage lending (8 years with direct lenders and 4 years with Mortgage Brokers). He is also a graduate of Cali
Carlden Lainfiesta, The Mortgage Fiesta, is a Mortgage Broker with Monarch Mortgage. He hardworking, skillful, charismatic individual with a high level of work ethic and professionalism. He has 12 years of experience working in mortgage lending (8 years with direct lenders and 4 years with Mortgage Brokers). He is also a graduate of California State University, Northridge with a bachelor's degree in Business Administration.
Carlden specializes in working with first time home buyers for purchases, down payment and closing cost assistance, and refinance home loans. He prides himself on delivering great customer service, ensuring a timely close, and offering the best loans possible to his customers. He can offer any product for 1 – 4 unit residential properties and has access to over 40 banks.
JOANN MARTINEZ
CARLDEN LAINFIESTA
CARLDEN LAINFIESTA
JoAnn is a Senior Loan Officer with a strong background in the mortgage industry. She is bilingual and proficient in both English and Spanish.
JoAnn is skilled in processing loan applications and experienced in using loan origination systems and automated underwriting systems. Her technical skills give her a deep understanding of the ind
JoAnn is a Senior Loan Officer with a strong background in the mortgage industry. She is bilingual and proficient in both English and Spanish.
JoAnn is skilled in processing loan applications and experienced in using loan origination systems and automated underwriting systems. Her technical skills give her a deep understanding of the industry with 20 years of experience.
JoAnn is known for her excellent customer service and her ability to consistently exceed sales expectations by closing loans in a timely manner. She is dependable and successful in building customer loyalty.
WILLIAM JOHNSON
CARLDEN LAINFIESTA
WILLIAM JOHNSON
William is a hardworking individual with talent and a strong sense of professionalism. In addition to providing exceptional customer service, he ensures that the transaction closes on time and gives his clients the greatest possible home-buying experience.
DYWON GLENN
ARLETT HAMILTON
WILLIAM JOHNSON
Dywon is an experienced professional in the mortgage industry. With extensive practice in originating loans, he has made a significant impact. His commitment to providing prompt service, industry expertise, and professionalism has earned him a reputation that stands out. Whether guiding clients from beginning to end or answering their que
Dywon is an experienced professional in the mortgage industry. With extensive practice in originating loans, he has made a significant impact. His commitment to providing prompt service, industry expertise, and professionalism has earned him a reputation that stands out. Whether guiding clients from beginning to end or answering their questions, Dywon ensures a comfortable and informed experience throughout the lending process.
He is a proud graduate of Miami Dade College. Additionally, Dywon served his Country as a member of the U.S. Army's distinguished 10th Mountain Division and held the position of Vice President of the Veteran Association of Real Estate Professionals, Los Angeles Chapter. Serving his fellow Veteran Brethren is his most cherished desire!
ARLETT HAMILTON
ARLETT HAMILTON
ARLETT HAMILTON
Arlett is a Real Estate Broker, Contractor, Investor, and Loan Originator with over 27 years of experience in the industry.
A UCLA graduate with a Bachelor of Science in Mathematics and Economics, Arlett holds multiple licenses and has a proven track record of managing complex transactions and leading a successful team.
Her commitment to
Arlett is a Real Estate Broker, Contractor, Investor, and Loan Originator with over 27 years of experience in the industry.
A UCLA graduate with a Bachelor of Science in Mathematics and Economics, Arlett holds multiple licenses and has a proven track record of managing complex transactions and leading a successful team.
Her commitment to excellence is evident in her hands-on approach to every aspect of the business, from planning and organizing open houses to managing financial records. Arlett's dedication extends beyond her professional endeavors, as she actively participates in volunteer work, contributing to her community's growth and enrichment.
LARA SAGER
ARLETT HAMILTON
ARLETT HAMILTON
Lara has been an experienced administrative assistant for 7 years. She graduated with a bachelor’s degree in mass communication from the University of the Cordilleras.
She excels at efficiently juggling multiple tasks and is recognized for her problem-solving abilities. Her independent, yet collaborative approach, is a driving force in her commitment to fostering the company’s success.
