Frank Monaco Jr.

VP of Mortgage Lending
9280 W Stockton Blvd Ste 103
Elk Grove, CA 95758
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NMLS: 245964
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We've used Frank as our Loan specialist for years now, and the experience seems to get easier and better each time. Frank helped us decide what was best for us and his staff worked consistently to get our loan approved and closed in a timely manner. There is no substitute for the experience and knowledge Frank brings to the table. I recommend Frank and team to my friends and family, and will continue to use him for all our mortgage needs.

Suzie Branda, Director, Business Process Mgt - ,

Frank and his team have worked with me on multiple refinancing transactions. He is very knowledgeable, creative, and helpful. He makes the whole process as painless as possible and handles in a an expeditious manner. I will continue to use their services whenever the need arises.

Franks a straight shooter who gets the job done. I worked with him on multiple transactions. His knowledge, experience and professionalism makes him a rare breed. I've used other loanoriginators and no one has come close to him and his team.

Mahershal Adams, Legal processing - ,

Frank Monaco has done a superb job in providing me excellent service every time I was considering decisions about a home loan, refinances, etc. Having done business with him for more than 20 years he was always patient, knowledgeable, and attentive to my situation as well as, advising me in present and future plans.

Frank was great! This was my first home loan, and he made the whole process easy to understand.

Nathan P. - Concord, CA

Loan officer Frank Monaco with processor Luis Romero have again provided superb, prompt customer service. We are extreme satisfied and will use them again in the near future with our next home purchase.

Debbie G. - Elk Grove, CA

Frank made everything extremely easy. Whenever a question would arise - Frank was always there to answer any questions or concerns I had. Loan was done in a very timely manner.

Sally B. - Sacramento, CA

Frank Monaco was an awesome loan officer and always in contact with me. He took time to explain any question I had and was always respectful.

Carlo S - Ione, CA

I always have the utmost confidence in Frank M. He is honest and explains everything clearly. I loved getting notifications at each step of my loan process. Michelle was super helpful with notifying me when things were due and helpful the whole process.

Judith S. - Elk Grove, CA

The Elk Grove staff made this entire process "pain free" and even pleasant. Came away feeling as tho I had made some new friends.

Nancy F. - Elk Grove, CA

Frank is very personable. This is the second time I have used Frank and I have referred many friends and clients to him. I trust Frank to follow through with his word and make sure the transaction is smooth. It is always a pleasure to work with Frank.

Phillip G - Ione, CA

Guaranteed Rate Affinity was very efficient and on top of everything! At closing went through very quickly. I would highly recommend them to anyone!

Christine M - Tehachapi, CA

Frank and his team went above and beyond for me. I am very grateful for the excellent customer care and how they walked me through the process to make this an enjoyable experience.

Lana S - Elk Grove, CA

Frank Monaco was able to help us obtain our loan even when other loan agencies were giving us trouble. I will definitely and have already recommended him to others. Without him, I'm not sure if we woulda have gotten our home. We thank him so very much.

Wayne W - Galt, CA

About Frank

Frank Monaco, Jr. offers borrowers throughout California the ideal combination of knowledge, experience, and integrity when it comes to home financing. Lovingly called the “Ol’ War Horse of the mortgage business” by colleagues, contemporaries and friends, he has originated home loans since 1986. During that time he assumed many roles, including investor relations, management, and product development specialist. Frank’s long-held real-estate broker’s license provides his clients excellent insight into the housing market and its trends, tendencies and fluctuations, an unmistakable advantage during their home purchase. He is equipped to accommodate a full spectrum of home-buying scenarios, and happily consults on conventional and non-conventional loan products. His dedication to customer service throughout his career is reflected the fact that most of his business comes from referrals and past clients. Comments like, “My family and I would never use anyone else,” tell the real story of his greatest success. Frank is a native Californian, and after raising his family in the Bay Area relocated to a home in the country several years ago. In his free time he enjoys golf, cattle ranching, fishing, and traveling.

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