We specialize in VA Loans

MonsterLoans proudly supports those who serve our country

Rates are at an all time low

Lock in your rate today with MonsterLoans!

Refinance with us

From cash out to lowering your rate, we can help you!

3.750% / 3.921% APR*

30 Year Fixed


Today’s Rates

12.0% 3.816% APR 5/1 ARM
12.0% 3.267% APR 15 Year Fixed
12.0% 3.816% APR 30 Year Fixed

About MonsterLoans

We know your home purchase will be one of the most important financial decisions you will make, we can help you.


MonsterLoans is not just another lender—we’re the premier national mortgage lender specializing in today’s home loans.


We provide specialized attention so that we secure the best loan possible for your situation, no matter how complex.


We know times are tough—we can work with previous bankruptcy, less-than-perfect credit and employment issues.


Our services are centralized under one roof, from processing to funding, which eliminates risk for miscommunication or delays.

"Refinance through MonsterLoans was made easy with our Mortgage Adviser who was very helpful and gave us good advice. We would recommend MonsterLoans as they have introduced us to a product that helps on paying off the mortgage."

− John, CA

"We have been so very happy with our Mortgage Consultant she was fantastic and a delight to work with. Our consultant stuck with us throughout the refinance procedure and was very supportive. This was very much appreciated."

− Cathy, TX

Affordable Home Loans for our Country's Veterans

Get into a home for $0 DOWN with your VA benefits

With an FHA Loan, you don't need perfect credit

Get into a home with as little as 3% DOWN

Is your home underwater?

Refinance with HARP 2.0 into a new LOW MONTHLY and affordable payment


FHA Loans

Do you think your credit is too SCARY to get a loan? Think again! FHA loans are government-assisted alternatives to traditional loan financing.

Learn More

VA Loans

The U.S. Department of Veterans Affairs (VA) guarantees long-term financing for eligible active military and veterans, up to $417,000!

Learn More

HARP Loans

Is your house under water or lost major value? The Home Affordability Refinance Program (HARP) was created to provide the assistance you need.

Learn More

Monstrous Money-Back Guarantees

$1,000 Best Loan Guarantee1

If you can provide us with a legitimate lender approval showing a comparable program and terms at lower fees and lower payments, for 30 days after your loan closes, we will write you a check for $1,000!

No-Risk Appraisal Guarantee2

Should your loan not close for any reason other than: You cancel your loan with MonsterLoans, or the appraised value comes in lower than estimated, we will reimburse you for your appraisal payment—guaranteed!

Free Refinance Guarantee3

For up to three years after we have completed your loan, if rates improve and you want to refinance it, we will waive all of our charges. (If you wish, we will send you a separate, signed commitment for your records.)

1 Lender approval must be a firm approval with commitment to lend. Lender approval must not be given prior to accurate verification of all qualifying information and documentation including but not limited to income, employment, mortgage balances, lien types and amounts, etc. Lender approval must include stipulations required to fund. All terms must be comparable including but not limited to loan type, term, interest rate, APR, payoffs, lender/broker fees, etc. Excluding Free Refinance Guarantee, one guarantee reimbursement may be offered per customer/loan transaction.

2 Reimbursement of appraisal payment will not be honored if the company finds that there is insufficient equity in the property to satisfy approvable loan requirements of information at time of application; or if information is inaccurate and/or cannot be verified.

3 Customer of Monster Loans, Inc. must supply Free Refinance Certificate at time of new refinance. Applies to rate and term refinances. Offer not available for cash-out and/or debt consolidation loans. Must qualify for a loan program offer by Monster Loans, Inc. at time of request.

Excluding Free Refinance Guarantee, one guarantee reimbursement may be offered per customer/loan transaction. Guarantee only eligible after six months have passed from initial loan transaction completed. Guarantee does not include 3rd party costs and fees, such as title, escrow and state fees.

"Our Mortgage Consultant was great as she was so easy and fun to talk to. Her attitude, explanation of the loan process and how to effectively apply for mortgage reduction made it so easy for us to positively refinance through MonsterLoans."

− Victoria, CA

"My wife and I are expecting our first child in September and could not do it without the financial security and flexibility provided by MonsterLoans. I recommend MonsterLoans to anyone and I wish we did it years ago."

− Mark, TX

Monster Mortgage News


Monster of the Month – Jenny Nguyen – September 2016

| Monster of the Month | No Comments

Creating lasting connections and helping families achieve their American Dream of homeownership is what drives Jenny Nguyen, Funder at MonsterLoans. She prides herself on two things, her ability to create…


5 Financial Mistakes to Avoid in Your 20’s

| Monster News | No Comments

For most people in their 20’s, the only way to discover how to sustain and improve their financial health is through trial and error. Some need to experience failure before…

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Monster of the Month – Jane Chavez – July 2016

| Monster News, Monster of the Month | No Comments

Jane Chavez’s commitment to excellence can be seen on a daily basis. As MonsterLoans’ Credit Manager and Jr. Underwriter, Jane works vigorously to ensure that all our borrowers’ files are…

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