
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.