ABOUT MONARCH MORTGAGE GROUP

Guiding Mortgage Success Through Expertise

About Monarch Mortgage Group

Monarch Mortgage Group is a team of professionals committed to helping you reach your homeownership and financial goals through strategic planning, personalized support, and dedicated service while offering you the best rates and products at the lowest cost. Brokering mortgage loans is all we do. We have extensive resources to avoid overlays that banks employ to make qualifying for your loan easier and faster.

As your full-service mortgage broker, Monarch Mortgage Group shops over 100 different lenders to ensure you obtain a loan tailored to your unique needs. We provide a seamless process from origination through closing to deliver timeliness, strong communication, and consistency.

About Our Owners

Meet the driving forces behind Monarch Mortgage Group—Jill Hartman and Lonnie Knob. With decades of combined experience in the mortgage industry, Jill and Lonnie bring unparalleled expertise, dedication, and a personal touch to every client interaction. Their commitment to excellence and passion for helping individuals and families achieve their homeownership and financial dreams define their approach at Monarch Mortgage Group.

About Jill Hartman

Jill Hartman is a seasoned professional known for her exceptional organization, efficiency, and sincerity in the mortgage industry. With a robust background in loan processing and closing spanning back to 2002, Jill brings a unique perspective and deep understanding of every facet of the loan transaction. Her passion lies in problem-solving, offering personalized service to ensure each client finds the ideal program tailored to their needs.

Dedicated to surpassing client expectations, Jill goes the extra mile to deliver an outstanding home loan experience. She believes in the values of hard work and reliability, forging enduring relationships based on trust. Known for her comprehensive expertise, integrity, patience, and meticulous attention to detail, Jill ensures a seamless,stress-free process for her clients from start to finish.

Jill Hartman | NMLS#481108

Monarch Mortgage Owner / Loan Officer

970.310.7005

jill@monarchmortgageloans.com

A Message from Jill

“Unlike many in the industry who began their careers in sales, I started in operations. This background has equipped me with a deep understanding of borrower needs and program requirements. Throughout my career, I’ve earned a reputation as a go-to problem-solver, ensuring compliance with all guidelines and regulations. My goal is to streamline your loan process, offering the information you need upfront so you can focus on finding your perfect home and planning your move.”

Lonnie Knob | NMLS# 236548

Monarch Mortgage Owner / Loan Officer
970.270.2584

lonnie@monarchmortgageloans.com

About Lonnie Knob

Lonnie Knob brings over 23 years of mortgage expertise, paired with a deep commitment to family and community. When he’s not focused on securing the best possible mortgage solutions for clients across Colorado and 44 other states, Lonnie cherishes spending time with his 15-year-old son, TK, and his partner Jillian’s daughters, Aliya and Ella. His dedication to coaching, whether in sports or mortgages, underscores his approach to guiding clients toward financial success.

A Message from Lonnie

“I thrive on delivering fast, efficient loan closures and ensuring every transaction is handled with honesty and dedication. My approach is simple: #fastercheaperbetter. As your mortgage partner, I promise unmatched availability and a ‘no one outworks me’ attitude. Whether coaching clients through financial decisions or leveraging my skills to save you money, my goal is to help you achieve successful homeownership and build generational wealth.”

At Monarch Mortgage Group, Jill and Lonnie lead with a mission to provide not just mortgages, but pathways to financial security and success. Whether you’re buying your first home, refinancing for better terms, or exploring investment opportunities, trust Jill, Lonnie, and their team to guide you through the process with integrity and efficiency. Get started today by getting pre-qualified and discover why Monarch Mortgage Group is your trusted partner in achieving your homeownership goals.

About Our Owners

Meet the driving forces behind Monarch Mortgage Group—Jill Hartman and Lonnie Knob. With decades of combined experience in the mortgage industry, Jill and Lonnie bring unparalleled expertise, dedication, and a personal touch to every client interaction. Their commitment to excellence and passion for helping individuals and families achieve their homeownership and financial dreams define their approach at Monarch Mortgage Group.

Jill Hartman | NMLS#481108

Monarch Mortgage Owner / Loan Officer

970.310.7005

jill@monarchmortgageloans.com

About Jill Hartman

Jill Hartman is a seasoned professional known for her exceptional organization, efficiency, and sincerity in the mortgage industry. With a robust background in loan processing and closing spanning back to 2002, Jill brings a unique perspective and deep understanding of every facet of the loan transaction. Her passion lies in problem-solving, offering personalized service to ensure each client finds the ideal program tailored to their needs.

Dedicated to surpassing client expectations, Jill goes the extra mile to deliver an outstanding home loan experience. She believes in the values of hard work and reliability, forging enduring relationships based on trust. Known for her comprehensive expertise, integrity, patience, and meticulous attention to detail, Jill ensures a seamless,stress-free process for her clients from start to finish.

A Message from Jill

“Unlike many in the industry who began their careers in sales, I started in operations. This background has equipped me with a deep understanding of borrower needs and program requirements. Throughout my career, I’ve earned a reputation as a go-to problem-solver, ensuring compliance with all guidelines and regulations. My goal is to streamline your loan process, offering the information you need upfront so you can focus on finding your perfect home and planning your move.”

Lonnie Knob | NMLS# 236548

Monarch Mortgage Owner / Loan Officer

970.270.2584

lonnie@monarchmortgageloans.com

About Lonnie Knob

Lonnie Knob brings over 23 years of mortgage expertise, paired with a deep commitment to family and community. When he’s not focused on securing the best possible mortgage solutions for clients across Colorado and 44 other states, Lonnie cherishes spending time with his 15-year-old son, TK, and his partner Jillian’s daughters, Aliya and Ella. His dedication to coaching, whether in sports or mortgages, underscores his approach to guiding clients toward financial success.

A Message from Lonnie

“I thrive on delivering fast, efficient loan closures and ensuring every transaction is handled with honesty and dedication. My approach is simple: #fastercheaperbetter. As your mortgage partner, I promise unmatched availability and a ‘no one outworks me’ attitude. Whether coaching clients through financial decisions or leveraging my skills to save you money, my goal is to help you achieve successful homeownership and build generational wealth.”

At Monarch Mortgage Group, Jill and Lonnie lead with a mission to provide not just mortgages, but pathways to financial security and success. Whether you’re buying your first home, refinancing for better terms, or exploring investment opportunities, trust Jill, Lonnie, and their team to guide you through the process with integrity and efficiency. Get started today by getting pre-qualified and discover why Monarch Mortgage Group is your trusted partner in achieving your homeownership goals.

We Have Your Financial Well-Being In Mind

Great Rates. Fewer Fees.

We shop around so you get the industry’s most competitive rates and the very lowest fees.

More House.

With our range of loan programs, your budget stretches further, allowing you to buy more house.

More Expertise.

From organizing finances to determining how much you can afford, we’re here for you every step of the way.

More Choice.

From fixed to adjustable rates, conventional to VA loans, we have options to fit every lifestyle and budget.

Pledge To Our Customers:

We commit to:

Provide competitive interest rates and fees

Communicate with you every step of the way

Provide expert advice that is customized to you

Earn and preserve your trust

Help you attain your ideal home

Close on time

Develop a lasting relationship as a valued member of your financial team

Provide consultation and an ongoing review of your mortgage strategy

Become your lifelong financial partner

Pledge To Our Partners

Solid partnerships are the foundation of our success. With over 20 years of experience providing lending services, we believe that collaborating with our partners benefits our clients and helps everyone reach their goals. Monarch Mortgage Group is committed to assisting Realtors and partners so they can achieve their professional goals.

Our Mission Statement

Serve our communities with thoughtful, honest, and competitive mortgage solutions while making a difference in people’s financial future.

Our Value Statement

We are well prepared, trusted advisors that take ownership in what we do and how we do it while demonstrating teamwork, transparency, ethics, knowledge & exceptional commitment for the lives we touch and relationships we build.

What is a Mortgage Broker?

A Mortgage Broker is an independent, trained professional licensed to represent and provide you with the best advice for your mortgage needs. Their primary expertise lies in locating funding for mortgage financing, knowing where to find the best rates, and presenting financing proposals to lenders effectively to successfully obtain mortgage financing.

Why Deal with a Mortgage Broker Over a Bank?

Customer Representation:
Mortgage Brokers represent you, the customer, not the lender. Unlike bank employees, Brokers are not limited in the products they can offer you.

Wide Range of Options:
Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.

Saves Time and Effort:
The mortgage process within today’s competitive marketplace can be intimidating. Brokers do the shopping around for you, saving you significant time and effort.

Expert Advice:
Choosing the wrong mortgage can cost you thousands of extra dollars. Brokers are trained professionals who can help you save on your mortgage, ensuring you get the mortgage best suited to your needs.

Reasons to Use a Mortgage Broker

Access to Various Lenders: Brokers have access to different lenders, banks, trust companies, investors, and financial institutions.

Fast Pre-Approvals: They offer fast credit and loan pre-approvals with no cost or obligation (some conditions may apply).

Expert Matching: They are experts at matching you with the best-suited mortgage.

Works for You: Brokers work for you, not the bank.

Market Knowledge: They are up-to-date on all the mortgage rates, terms, and
repayment options available in the market.

Specialized Focus: They specialize in mortgages and are knowledgeable about
current trends.

Increased Competition: By working with various lenders, they increase
competition in the marketplace, helping to keep rates low.

Time and Money Savings: Brokers save you time and money.

Customer-Focused: Brokers have a vested interest in satisfying your needs since they rely on referrals and repeat business.

Using a Mortgage Broker ensures you have a knowledgeable and dedicated professional working to find the best mortgage solutions tailored to your specific needs, ultimately saving you time, effort, and money.

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

Start Your Mortgage Journey Today!

Contact Us