" ... We were having difficulty in refinancing our beautiful home due to high loan to value ratio. We were paying very high interest rates with high monthly payments. It was disheartening watching new people move into the neighborhood with better payments and with funds available to improve their homes. We were stuck with little expendable money to protect our home investment.
One of my co-workers referred me to Monica Gupta. When I called it was easy to see that she knew her business -- she was trustworthy and quickly demonstrated that she cares about her customers. She assured us that not only could we refinance, but also suggested that we set a goal toward a 15-year fixed loan as my retirement age was coming near and I should enjoy my retirement years with my husband and family (including my grandkids).
Monica helped us develop a plan to get us to where we needed to be - lower payments and lower interest rates and eventually to a 15-year loan. the plan called for a progression of loans over several years. Monica was attentive and keen in watching for the right times to refinance. She always kept us informed throughout the process -- it certainly paid off.
Monica made our refinance process so easy, simple and smooth! She was clear about the documents we needed, and she promptly reviewed our documents. She explained the numbers in detail until we were satisfied and very comfortable with the monthly payment. We got a excellent interest rates too! Four years forward my loan balance is so low now. I can't believe we are paying our loan so fast.
With Monica, we reached our goal painlessly and she was with us every step of our journey. Without reservation, we thank Monica for sharing her many years of experience in mortgage industry with us. She provides a custom plan as per the clients needs and situations. She is hard working, professional and great partner in navigating the challenging world of home financing. We're so glad we found her - a great friend that I can easily recommend to my family and friends. ..." -- Charlotte & family