Frank Monaco Jr.

Senior Loan Officer Guaranteed Rate Affinity NMLS #245964
Frank Monaco, Jr. offers borrowers throughout California the ideal combination of knowledge, experience, and integrity. He has originated mortgage loans since 1986, and during that time has also taken on numerous other roles, including: investor relations, management, and product development. Frank has also maintained a Broker’s license for many years, which provides excellent insight into the real estate side of his transactions.

Frank is equipped to cater to a full spectrum of home buying scenarios, and happily provides investor consultations for conventional and non-conventional property types.

“Some call me the ‘Ol War Horse’ of the mortgage business because I have been helping families and investors reach their real estate goals for more than 30 years now. What kind of home loan do you think you would need? Big or small, I do them all!” –Frank Monaco, Jr.

Frank’s dedication to customer service throughout his career is reflected in two important ways: one, he stands in the top 1 percent of all loan officers nationwide in production, and two, most of his business comes from referrals and past clients. Comments like “My family and I would never use anyone else” tell the real story of his success.

Frank is a native Californian, and after raising his family in the Bay Area relocated to a home in the country several years ago. In his free time he enjoys golf, cattle ranching, fishing, and traveling.


Sep 18, 2017
Due to unforeseen circumstances, I had the pleasure of working with Frank Monaco for two home purchases in the last 18 months. Frank's knowledge of home loan financing is second to none, and he was able to construct both of my home loans to fit my situation. I am very thankful for Frank's ability to find the maximum amount of lender credits, and keep my out of pocket costs and interest rates to a minimum. I would undoubtedly recommend Frank Monaco to anyone looking for a home loan.
Sep 14, 2017
Frank was outstanding in getting our home loan approved in two week's. We were able to get into the very popular Elk Grove, Ca housing market right away. He had our FHA Loan done in three week's.
His office staff took outstanding care of my wife and I. Frank knowledge and experience got our loan done in record time.
Thank you Robbie Gram of Caldwell Banker Real Estate for taking us to Frank Monaco & Prince Capital.
Sep 14, 2017
We highly recommend Frank Monaco and his team. We have work with Frank on several different loans, over a 22 years time span. He always goes above and beyond to ensure your understanding and feeling good about the decision your making. He is always professional, courteous and a pleasure to work with.
Aug 23, 2017
We were referred to Frank by a long time friend and real estate agent. We were not disappointed. Frank and his staff went over and above on getting out refi done in a timely manner while getting us the best loan. Frank and his staff were very personable and a pleasure to work with!! I highly them. Thank you!!
Jul 20, 2017
Customer Operations Manager
I can't say thank you enough to Frank and his amazing team at Princeton Capital. The entire loan process was simple and easy with outstanding communication throughout each and every step. This is my third loan with Frank and I simply can't imagine going through the home buying process without him! Thank you for all of your expertise, patience and commitment to customer excellence!
Jun 13, 2017
Retired Teacher
It is my pleasure to say a few words about Frank Monaco Jr.and his staff. In a wold in which lending institutions are becoming increasingly bureaucratic, it was a wonderful change to work with Frank to secure our home loan. Working with Frank is like working with an old friend in whom you can place absolute trust, someone you can always rely on. He and his staff were always polite, with a graceful way to tend to the details necessary to process a loan application with all of the inherent paper work. I highly recommend Frank Monaco and his staff without reservations.
May 25, 2017
Real Estate Officer
Frank is very knowledgeable and has earned our trust when looking for lending. My husband and I feel that Frank is very trustworthy and someone we can rely on to make important decisions that affect our future financial outcome. We would recommend Frank to anyone who is looking for lending solutions.
May 24, 2017
Director of Corporate Relations, CSAC
Frank and his team were incredibly helpful in the home purchasing process. They did everything with speed and excellence and our purchase went off without a hitch. I highly recommend that you meet with Frank and give him your business.

May 9, 2017
Systems Analyst
Worked with Frank Monaco here as the Loan Officer for my first ever house. It was a phenomenal experience and an exceptional loan i was able to get.

Frank is a very straight forward man. He is of the same philosophies that I align myself with "give someone the truth and allow them to make decisions off of that". With his own calculations he was able to give me some very close estimates of what I could realistically handle. This is also with my life style and hobbies taken into account.

Even though I am the only name on the loan and deed, he made my girlfriend feel very included and I am incredibly thankful for that. Recognizing that monetary input isn't the only thing that makes a partner in this endeavor.

The paperwork process of the relationship was fast and very thorough. He takes time to prepare and is always responsive. Him and his team do a great job. If I call at 6pm they will call by 8pm and leave a message or first thing the next morning. They didn't even mind my insistent nagging of where the process was at everyday. Lol

I highly recommend those that are buying homes for the first time to come to Frank. As long as i'm in California, i will be using his services and advice on Loans.

Apr 6, 2017
Director, Business Process Mgt
We've used Frank as our Loan specialist for years now, and the experience seems to get easier and better each time. Frank helped us decide what was best for us and his staff worked consistently to get our loan approved and closed in a timely manner. There is no substitute for the experience and knowledge Frank brings to the table. I recommend Frank and team to my friends and family, and will continue to use him for all our mortgage needs.
Mar 21, 2017
Frank and his team have worked with me on multiple refinancing transactions. He is very knowledgeable, creative, and helpful. He makes the whole process as painless as possible and handles in a an expeditious manner. I will continue to use their services whenever the need arises.
Mar 16, 2017
Legal processing
Franks a straight shooter who gets the job done. I worked with him on multiple transactions. His knowledge, experience and professionalism makes him a rare breed. I've used other loanoriginators and no one has come close to him and his team.
Dec 14, 2016
Frank Monaco has done a superb job in providing me excellent service every time I was considering decisions about a home loan, refinances, etc.
Having done business with him for more than 20 years he was always patient, knowledgeable, and attentive to my situation as well as, advising me in present and future plans.

Ms. Y. Figg
Dec 12, 2016
Union Bridge Builder
Frank and his team helped me finance my new home. I dont think there is a better team then the one they got going. They made the whole process smooth and easy going. I give them a five star rating and would recommend them to everyone.
Dec 10, 2016
Union Bridge Builder
Frank and his team helped me finance my new home. I dont think there is a better team then the one they got going. They made the whole process smooth and easy going. I give them a five star rating and would recommend them to everyone.
Dec 9, 2016
We just bought our house and Frank Monaco was our loan officer. He and his assistant, Luis, were so friendly and helpful during the whole process, even when I was stressed out of my mind! I was also very impressed with how thorough they were upfront so that when the loan went to the underwriters, it pretty much sailed through. Thank you guys!
Dec 5, 2016
Auto paint technician
I would highly recommend Frank Monaco jr and his team for your home loans This is the third home I have purchased so far and with Frank and his assistant the process was about painless They went threw the loan process with us in the beginning and was always there to answer questions when I had them even calling and updating me what was going on with my home loan Thank you Frank Monaco and Luis Ramaro
Nov 4, 2016
Smooth transaction. Organized and helped us resolve issues with the other side of the transaction even though that was certainly outside his job description
Oct 30, 2016
Sr. Product Configuration Management Analyst
I've gone to Frank Monaco for all my mortgage needs since he got me financing for my first home in 1996! Frank has always looked out for my best interest in regards to my home financing and truly cares about the well being of myself and my family. Frank is extremely knowledgeable and I have complete faith and trust in him. I'll never use anyone else for my mortgage needs and I highly recommend him to others. Thank you Frank!
Oct 12, 2016
Frank works hard for his clients....we've had two pleasant experiences with him. I'm sure we'll use his service again in the future. Professionalism, at it's best. Goes beyond what is expected. Contact his office for the best experience in purchasing a home!
Oct 10, 2016
Escrow Assistant
When I first approached Frank Monaco and his team in regards to a home loan I already had placed a offer on a home and gave a 30 day notice to the owner at the rental property I was living in. We had not purchased a home in over 10 years, therefore was surprised and uneducated at how detailed and time consuming purchasing a home has become. I can appreciate and respect Frank and his team now for suggesting approval on a home loan before looking at homes, let alone making an offer on a home. My loan had a lot of conditions to overcome. I promise you I called, emailed, or went to Frank office every single day and never did they make me feel unwelcome, or a bother. We truly believe had we went with another loan officer/team we would not have the interest rate we have, closed on time and even qualified for a home loan. Frank took the time to have us in his office the same day I approached Frank on a possible home loan. Frank explained the loan process and showed us the loan options available. Frank and his team answered every question we had from the first day we met with him, to closing, and after closing. Frank and his team are friendly, extremely knowledgeable, completed our loan promptly, remained optimistic, positive and calm, even when we were "a complete stress wreck." I would recommend any person who is looking to refinance, wanting a home loan, or any person who thinks they would not qualify for a home loan to give the opportunity to Frank Monaco and his team! They are a blessing and makes dreams come true.
Oct 5, 2016
Health care audit
I have had Frank do my home finance numerous times. Each time the process was smooth, easy and I fealt like I was his only client! Personal attention, quick results and he's fun to talk to! I have recommended him to lots of friends and coworkers! His advice is awesome and the office is super friendly!
Oct 5, 2016
Home Buyer
Frank oversaw the entire lending process. It was extremely smooth and efficient. He is a true professional. I would recommend him and use him again when the opportunity arises for me to purchase another home.
Oct 4, 2016
Frank and his team provided excellent service and guidance to me during the loan application process. Frank is extremely knowledgeable of the laws and the loan process, and he continuously shared with me examples and options. He encouraged me throughout the process and his team kept me informed almost daily. Frank and his team showed they were excited for me to secure my first home for my daughter and I, and demonstrated how much they cared. I can’t thank Frank and his team enough, and highly recommend them. Their service is efficient and thorough!
Oct 2, 2016
Frank went above our expectations. He and Louis are an excellent team of professionals who work diligently to ensure the home purchase process goes smoothly.

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