GUIDING YOU HOME

MONARCH MORTGAGE GROUP

Your Path To Homeownership Starts Here

At Monarch Mortgage Group, we understand that buying a home is one of your most significant financial decisions. Our team of dedicated professionals is here to guide you through every step of the mortgage process, ensuring you confidently achieve your homeownership and financial goals. We provide strategic planning, personalized support, and dedicated service tailored to your unique needs.

Our mission is to simplify the mortgage journey by leveraging our extensive resources and wide selection of lenders. By shopping over 100 different lenders, we ensure you get the most competitive rates and products at the lowest cost. From origination through closing, our seamless process is characterized by timeliness, strong communication, and unwavering consistency. At Monarch Mortgage Group, we are committed to not just finding you a loan but finding you the right loan.

Why Choose Monarch Mortgage Group?

Solutions Focused

We use our expertise and experience to concentrate our efforts and resources on finding the best solutions for you.

Extensive Resources

We leverage our extensive network to bypass common issues, like overlays, making it easier and faster for you to qualify for a loan.

Wide Selection of Lenders

We use our expertise and experience to concentrate our efforts and resources on finding the best solutions for you.

Full-Service Brokerage

From origination through closing, we provide a seamless mortgage process, with timely responses, strong communication, and consistency.

Personalized Support

Our team is here to support you every step of the way, providing guidance and answering any mortgage questions you may have.

Dedicated Service

We are committed to delivering the highest level of service, ensuring that your mortgage experience is smooth and stress-free.

Personalized Mortgage Solutions for Unique Situations

Self-employed? New job? Past financial troubles?

Let’s face it, many potential home buyers don’t meet today’s stringent lending requirements. However, a closer look often reveals a highly qualified borrower whose circumstances have recently changed or improved. That’s why Monarch Mortgage Group offers an opportunity to evaluate applicants who may not readily qualify at face value. With more insight, we frequently discover a beneficial path to homeownership for these individuals. We know that not all borrowers are the same, and we work hard to find the right solutions for everyone.

Fixed Rate Mortgage

A Fixed Rate Mortgage offers predictable monthly payments with a consistent interest rate for the life of the loan. Ideal for long-term homeownership and financial stability.

Adjustable Rate Mortgage (ARM)

An Adjustable Rate Mortgage (ARM) starts with a lower interest rate that can change over time. Best for those planning to move or refinance within a few years.

Conventional Loan

Conventional loans are not insured by the government and offer flexible terms and competitive rates. Suitable for borrowers with good credit and a stable income.

FHA

FHA loans are backed by the Federal Housing Administration and require lower down payments and credit scores. Ideal for first-time homebuyers or those with less-than-perfect credit.

VA

A loans are exclusively for veterans, active-duty service members, and eligible spouses. They offer no down payment and competitive interest rates.

USDA

USDA loans are designed for rural and suburban homebuyers and provide 100% financing. Perfect for those looking to buy in eligible rural areas.

Jumbo

Jumbo loans are for properties exceeding conventional loan limits. Ideal for purchasing high-value homes with competitive rates and flexible terms.

Home Equity Line of Credit (HELOC)

A HELOC allows you to borrow against the equity in your home with flexible withdrawal options. Great for home improvements or major expenses.

Down Payment Assistance/100% financing options

These programs help buyers with limited funds cover down payments and closing costs. Excellent for first-time buyers needing financial support.

Bank Statement Loans for Self-employed

These loans use bank statements to verify income instead of traditional documentation. Perfect for self-employed borrowers with fluctuating income.

Debt Service Coverage Ratio (DSCR) for investors

DSCR loans evaluate the property’s income potential rather than the borrower’s personal income. Ideal for real estate investors focusing on rental properties.

ITIN

ITIN loans are designed for borrowers without a Social Security Number but with an Individual Taxpayer Identification Number. Suitable for non-citizen residents looking to buy a home.

Commercial Loans

Commercial loans provide financing for business properties, including retail, office, and industrial spaces. Essential for business owners expanding or refinancing commercial real estate.

Rehabilitation/Renovation Loans

Rehabilitation loans fund home improvements and renovations. Perfect for buyers looking to purchase and upgrade a fixer-upper property.

Reverse Mortgages

Reverse mortgages allow homeowners 62 and older to convert home equity into cash without monthly payments. Ideal for retirees seeking financial flexibility.

Temporary Buydown

Temporary buydown loans lower initial mortgage payments for a set period. Ideal for borrowers needing short-term payment relief or expecting future income growth.

MONARCH MORTGAGE GROUP: GUIDING YOU HOME

About Monarch Mortgage Group

Our founders, Jill Hartman and Lonnie Knob, are the driving force behind Monarch Mortgage Group’s success. With a robust background and extensive experience in the mortgage industry, Jill brings a unique perspective and a comprehensive understanding of every facet of the loan process. In the fast-paced and detail-oriented world of mortgages, her exceptional ability to manage and streamline operations ensures smooth and timely transactions for our clients. Her unwavering commitment to exceeding client expectations is evident in her dedication to hard work and reliability. Jill’s meticulous attention to detail not only guarantees a stress-free experience but also ensures clients feel fully supported and well-informed throughout the entire process.

Lonnie, a 23-year mortgage veteran, is dedicated to closing loans quickly while maintaining honesty and unmatched dedication. Drawing on his extensive coaching experience, Lonnie empowers clients to achieve their dreams of homeownership and build lasting financial security. His ability to mentor and strategize translates seamlessly into guiding clients through the complexities of mortgage decisions, ensuring they make informed choices that align with their long-term goals. Together, Jill and Lonnie created Monarch Mortgage, your trusted Mortgage partner.

Testimonials

Lonnie and Jillian at Monarch Mortgage Group were some of the best lenders we've worked with! Lonnie was always available for questions and was quick to respond at all times of the day, night and weekend. They guided us through the entire process, helping us to secure the right loan and amount, and took so much pressure off of our shoulders. We would highly recommend Monarch Mortgage Group to anyone looking to purchase a home!

Alexie Rusk

Lonnie was a pleasure to work with. He stayed in contact with every step of the process and explained any questions i had thoroughly. His professionalism and attentiveness was much appreciated.

Robert Love

My wife and I had the pleasure of working with Jill Hartman, and we can't recommend her highly enough. She made the entire home buying process incredibly smooth and painless. Her expertise in the mortgage industry is unmatched — she took the time to thoroughly explain every detail and ensured we understood all our options. She was always available to answer questions, provide guidance, and address any concerns we had, all while keeping the process on track and efficient. Her attention to detail and commitment to making sure we got the best deal possible made all the difference. Thanks to Jill, we felt confident and well-supported throughout the entire process. If you’re looking for a reliable, knowledgeable, and dedicated mortgage broker, look no further!

Trevor Gordon

Jill Hartman is living proof that no two loan officers are created equal. When I ran into a few hiccups during underwriting, another loan officer dismissed me with, "There's nothing more I can do." But Jill refused to accept that answer. She knew my deal would fall through, and I would be homeless, if my loan fell apart. So she worked tirelessly over the weekend and at night - working closely with Fannie Mae - to make the full amount of my loan happen. Jill is the reason I was able to close on my home. She is a tenacious advocate. Her communication is exceptional. She demonstrates integrity at every turn. Jill goes above and beyond to take care of her clients because she truly cares. I can't say enough good things about Jill Hartman!|

Becky Jensen

Jill was by far the most experienced loan advisor I have ever worked with. My dream house became available, and after walking through the house with my realtor I immediately knew I had to make an offer.

I called Jill to see what I needed to do, and she worked late into the evening (during her off hours) to help go through the whole finance process with me. Without Jill's expertise, and quick way of writing a professional approval letter, I never would have been able to make an offer on the house. Due to her efforts, my offer was accepted, and she made the rest of the finance process quick, painless and incredibly easy. There is a lot of paperwork when processing a loan on a home, and Jill did everything without complaint. She is incredibly talented, and I would highly recommend working with her! She is nothing short of amazing!

Megan Alayon

Do yourself a favor, GO TO JILL FIRST. We initially went through another lender and didn't have the best experience. Jill was able to take over where they left off and got us closed on our closing date with ZERO issues or hiccups. Not to mention, her rates were better! I can't say enough great things about her - sweet, quick to answer questions, professional, etc. She really made our first home buying experience exceptional. I would recommend her to anyone and everyone. Thank you Jill!

Jaden Buffington-Evangelista

I have known Jill now for over 10 years. Whether it be to work on a mortgage, asking "on the fly" for numbers on a new address, or asking for insight on loans or financial matters, Jill has ALWAYS been kind, thorough, and honest in all her transactions. She puts her whole self into her work-a charming personality, excellent forthright communication skills, and outstanding timing and service. I would recommend her wholeheartedly and consider her, with all honesty, one of the best professionals I have ever worked with.

Andrew Malinski

Jill was amazing to work with - From the very start of our engagement with her team, she came across as very knowledgeable and extremely organized.

She took care of us, walked us through every step - she even took care of things that were challenges presented by others. I would recommend her and her team to anyone, any day. She made it easy in the fast paced world of NoCo Real Estate. Highly Recommended!!!

Steve Pfalzgraf

I know l'm not your average boring guy; quite the opposite in fact. Jill rose the the occasion, treated me with kindness and respect and helped my wife and I navigate the swift flowing Colorado real estate loan waters through to the successful purchase of an amazing new construction home. Well, it is a "Journey" home, so really not that amazing - but still we have turned it into one amazing rental property that the new tenants and their dog absolutely adore. Jill Hartman always gave me heartfelt service. I can't express enough how amazing her attitude and help was

She answers the phone! How often do our calls go to voicemail these days. Nobody likes to talk on the phone any longer. Jill, on the other hand, always picked up the call or if unavailable, quickly called me back. Yes, she texted too. Multi talented that girl.

Flash Alexander

Jill was super easy to work with. She stayed on top of the paperwork so the transaction was smooth even with me changing things up a couple of times. I also liked that a good chunk of the documents were DocuSign (digital signing) so that I could read them at my leisure and didn't have nearly as big of a stack at the very end. I also compared her rates with 3 other lenders that I had mortgages within the past and even though she was the best rate, I probably would have just stuck with her anyway since she was so on top of it.

Mait Parker

Jill is very professionally knowledgeable and assisted me at every step. She always responded quickly to my many questions. Her financial numbers we clear from the very beginning and extremely accurate.

The breakdown of all costs was clearly explained.

Truly an excellent experience.

Thank you Jill!

Don Wright

I did not realize the mortgage process could be so smooth and easy until I worked with Jill Hartman. She communicated every step of the way what was needed from me and where we were in the process. She went above and beyond and provided me with sample calculations to aide my decision process at a certain point. I highly recommend Jill!|

Cheryl Von Sprecken

Jill was the single best lender we've ever worked with (out of 4). She was transparent about every step of the process, proactive about documentation to ensure there were no delays, incredibly friendly and easy to work with, almost paranormally responsive to inquiries, and seemingly infinitely knowledgeable about the entire process. I cannot recommend her highly enough.

Kevin Aagaard

Lonnie is amazing to work with he is honest and reliable. I have worked with Lonnie multiple times and he is always professional, responsive to my needs and always does his best to get me the loan that is right for me and my family.

Sean M

Working with Lonnie was so easy! He communicated every step of the way and made the whole process seem so smooth! The app to upload paperwork made the whole process so much easier as well! Will definitely be back!

Jordan K

Lonnie was very kind and extremely helpful and knowledgeable. Lonnie went above and beyond on helping us in our financing experience. It is quite the process and Lonnie with extreme kindness helped us with every step. We couldn't have done this or survived it © without his help. Thank you so much Lonnie.

Kathryn H

Lonnie is the only person who I will deal with when it comes to servicing the loan for my home. I have done business with Lonnie for 15 years and his service is second to none! Friendly, patient, professional, knowledgeable and above all dependable. You are lucky to have him on your team and servicing mortgage community.

Chiara B

Lonnie has always been there for me over the years. He initially completed my first mortgage on our house and it was a very pleasant experience. I also like the fact that he is local to Colorado. He gave great advise, sound numbers and extensive follow-up every step of the way during this current process. If it comes time to look at another mortgage for our current home or a new home in the future, Lonnie will be at the top of my list to call for advise and help. Thank you again for your dedication to service and making sure your customers feel comfortable and supported all the way through the process.

Lori H

I have used Lonnie as my lender for new purchases and refinances for several years. Lonnie is very thorough and efficient, asking the right questions which, most recently, resulted in me paying off my student loans and saving me $200 per month! I will continue to use Lonnie for my lending needs and will refer to anyone who needs a mortgage specialist.

Angela W

Lonnie is always responsive, proactive and a problem solver, the type of person you want when buying or refinancing a home. Someone who will help you navigate one of the biggest financial decisions most of us make. Lonnie is not just the guy I recommend my clients to, but, more importantly, he has been the guy l've called for my own personal purchases time and time again.

Andrew J

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