Monica Velarde

  • (760) 843-8491
  • (760) 954-1391
  • (760) 600-5733
  • 17260 Bear Valley Road
    Suite 104
  • Victorville, CA 92395

Monica "Mona" Velarde - Loan Agent

 I have been in the mortgage industry since April of 1996.  I managed the National Freddie Mac REO account for over 5 years.   have closed thousands of loans during my career including FHA, Conv, VA, New construction, Renovation/203k, Down Payment Assistance program loans and Reverse mortgages and refinances. 

 I continue to thrive in an ever changing industry due to my knowledge, experience and dedication to my agents and my clients.  The bulk of my business is referrals and return customers.  One of my many blessing is when a client becomes a friend.  I look forward to helping you, your family and friends. Thank you and God Bless.


Mona and her team made sure the process was quick and easy. Always available to answer any questions.

Scott K.

Easy seamless process! Everyone has been great to work with!

Ashley T.

Professional, seamless, excellent service!

Edgar B.

Mona was absolutely wonderful. Thank you!

Wesley B.

Everything in the process was straight forward and simple. We had a great experience with Mona!

Steven F.

Another smooth transaction! Thank you Jim & Mona- Thank you!

George M.

Very well served, painless and streamlined.

Troy W.

Great job!

Sandra S.

Mona was the greatest to work with. Very Professional.

Nathaniel R.

Thank you for always responding to my emails and phone calls swiftly.

Nathan C.

Our Loan officer was such a pleasure to work with. She is extremely knowledgeable and so very kind.

Antonio P.

Mona was awesome! Very efficient and pleasant! Thanks!

Richard L.

Mona and Regal Mortgage is great to work with.

Sergio P.

Mona is the best!

Adam M.

She is wonderful and great to work with.

Sergio P.

Mona was very communicative. She always answered my questions. I would recommend Mona to future buyers.

Jeffrey Y.

Best Lender I have worked with.

Jose P.

Best Lender in the High Desert.

Jose P.

This is our third time working with Mona and she is so professional, friendly and responds right away. She makes this process so easy and enjoyable. Will use her in the future.

Lorenzo G.

Mona Velarde was committed to excellence, provided me excellent customer service . I will continue to refer her to other people. 100% committed to excellence.

Gary N.

Everyone was great! Thank you!

Tony S.

Mona is wonderful. She assisted us with the purchase of our home 5 years ago and has continued to be a wonderful resource. We trust her implicitly whenever we have questions about rates or the market. She is professional, honest, caring, well-informed, and always keeps us well-informed! Thank you Mona. You are the best!

Frank L.

Outstanding service the entire process. Would for sure do it again.

Johnny C.

Mona is the best!

Linda H.

We have used Mountain West several times over the past 3 years. Evan when we were just exploring our "options", Mountain West has been always helpful. I highly recommend them for your next mortgage.

Eric C.

Very loving people, as honest as it can get. As real as it can be. I can feel their smiles over the phone. Quick response, very helpful. Will always go back to them. Love working with them. God bless you guys.

Hugh W.

Mona is great!!!

Daniel C.

Mona is a true asset to Mountain West Financial! Thank you :)

Danilo R.

Monica Velarde is extremely efficient and gets the job done. I would highly recommend her. She is a straight shooter and person of her word.

Kirsten A.

Appreciate the great service. Thank you!

John K.

Mona Velarde is a compasionate well informed, truthful professional. Explains and meets your needs, not wants so there's no hidden objective. Thank You.

Monica L.

Everything has been great.

Troy W.

My experience with MWF has been one of the best. My agent was very good at explaining all necessary requirements and next steps. I felt very comfortable and no anxiety throughout the process. My loan paperwork was handled in an efficient manner and readily available even before time expected. I am grateful for such a company for a busy person. I was confident that all matters were very busy being handled. I would recommend MWF to anyone in the High Desert.

Eileen P.

Oh yes Mona is awesome and very professional.

Jack P.

Agent was very transparent and responsive. No surprises.

Christine A

Mountain West Financial has been wonderful to work with. Mona was readily available for any and all questions. The process was relatively smooth and had very few problems to navigate. Even so, Mona was quick at providing solutions.

Eric C.

I am very glad that I was able to find out about Mona. She has been very helpful throughout this whole process. Mona answered questions even after hours. I am grateful that Mona and I were able to meet and she went above and beyond.

Mary D.

Mona was Amazing !!!

Jaycob S.

Really good at what she does, really helpful. Will use her again.

Harry B.

The're GREAT!!!

Keith K.

I am very pleased with the service provided. The loan officer who worked with me was exceptional.

Miguel R.

My family and I have been going to Mona for years from our first home purchase to refi for home upgrades. She’s always been there and makes it easy and comfortable.

Haughton Family

We love working with this company, and will recommend them to our family and friends. Mona was a delight to work with, very professional!

Alexander Family

Mona was very helpful & informative.

Guardado Family

Loan officer, Mona Velarde, was very helpful. A real asset to your organization. She helped me through a very difficult part of the process.

C. Hanson

Very nice, well informed and up to date. Always answered my calls even when she was on vacation. Awesome person. We are blessed to have known her.

Perez Family

Mona was amazing!! She was there every step of the way to answer questions or explain anything, she is truly a blessing!

Swenson Family

Mona did a great job walking us through the process and answering our questions.

Angela P.

I have really enjoyed working with Mona. She has been kind & thorough.

Jacqueline S,

Mona was available any time we needed her to answer questions. She responds quickly and is very helpful and knowledgeable. She was very professional and friendly. We appreciate all of her wisdom and help in funding our loan.

Bryant Family

Very professional, quickly returned all calls and answered all questions throughout process.

Autumn V.

Mona was amazing, and so patient with all of my questions. Thank you guys for everything!

Ashley S.

Mrs. Velarde is very nice, courteous, and professional. Mrs. Velarde is a very professional lady, takes her time to explain.

Pruett Family

The house buying process is stressful. Mona made the process easy & manageable. I would highly recommend her to anyone purchasing a home.

Joseph M.

Very, very happy with my loan process and all of the people!

Saulnier Family

Great experience thanks for all your help.

Ernesto & Jacquelyn Z.


Cynthia H.

She is awesome.

Rosalind H.

We love Mona!

Joelene & Sonny H.

Mona is wonderful! She helped every step of the way from pre-qualifying to signing. Thank you so much for helping us acquire our future home!

Mr. & Mrs. Roach

Everybody was very helpful and reliable.

Samuel T.

Everyone in the office is very professional and efficient. They called with any questions and answered all of our questions promptly.

James & Karen M.

I love Mona! She was very thorough through the entire process and kept my best interests in mind. Being my first home and refi the process very confusing to me, however Mona made sure to explain everything on a level I understood. I very much appreciate everything Mona has done for me.

Courtney R.

Good Job (as always) done in a very timely manner.

Dennis & Yong H.

This process was as easy as it could be because of Mona. She took the time to explain all aspects of the process to me very thoroughly.

Joseph S.
Victorville CA

Mona Velarde was wonderful! I would recommend her to all my friends and family!

A. Harvey
Apple Valley CA

It was great doing business with Mona Velarde and the other members of my home buying team!

J. C. Tostado
Apple Valley CA

Mona was incredible throughout the whole process. We will most gladly go through Mona again for any future home loan needs.

Frank and Sandra L.
Hesperia CA

We purchased with Mona and when we were ready to refinance there is NO ONE else we would go to. We have referred more family members as well.

Eric and Jessica R.
Lake Arrowhead CA
Home Inspection 101: A Homebuyer’s Guide
Home Inspection 101: A Homebuyer’s Guide
Apr 7 2021   first time buyer first home first mortgage home loan apply for a first home loan
A home inspection alerts you to any immediate repair concerns plus gives you an idea of what it may cost to maintain the home in good condition.  Let's take a closer look at the home inspection process so you know what to expect, and what the... Read More
How To Remove Mortgage Insurance From Your Home Loan
How To Remove Mortgage Insurance From Your Home Loan
Apr 1 2021   refinance 30 year loan home loan lower mortgage payment
You don't need to put a minimum of 20% down on a new home. That's the upside. The downside is that you'll need to pay mortgage insurance if your down payment is less than 20%. Read this post to learn the factors that determine if and when you can get... Read More
5 Best Renovations to Increase Your Home's Value (Plus 3 Worst)
5 Best Renovations to Increase Your Home's Value (Plus 3 Worst)
Mar 25 2021   refinance 30 year loan home loan lower mortgage payment
Renovations make your home more enjoyable. Plus, if you do them right, they may even increase your home's value. This comes in handy if you plan on selling your home in the future. But watch out! While some remodeling projects add value to your home,... Read More
Secrets to Winning A Bidding War In Real Estate
Secrets to Winning A Bidding War In Real Estate
Mar 17 2021   first time buyer first home first mortgage home loan apply for a first home loan
While the housing market remains vibrant for buying and selling, the supply continues to be an issue in these past years. Low supply happens when there's an abundance of buyers but not enough houses for all of them. Many call it a "seller's market,"... Read More