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Frank Monaco Jr.

VP of Mortgage Lending 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.
Mar 19, 2021
Sr. Manufacturing Engineer
Frank is the man! He, along with his entire staff, did an outstanding job keeping me on track while obtaining the loan and he was always available to answer any questions I had along the way. He is very trustworthy and knowledgeable, giving me peace of mind while making the biggest financial decision of my life. I hope to work with him again in the future.
Oct 31, 2020
Homeowner
I have financed / refinanced my accounts with Frank Monaco on three separate occasions. I truly believe Frank and his team at Guaranteed Rate will provide you with the Best experience in the market for your financial mortgage needs. Thanks again Frank and Team. John M Kerr Elk Grove, CA
Oct 13, 2020
Sr. Real Estate Officer
We have worked with Frank Monaco on multiple transactions; each time he has been amazing to work with. We trust Frank's opinion and honesty when we have asked about a loan or rather it would be a good fit for us. Frank is friendly and always helpful when we have questions or concerns. We have thoroughly enjoyed working with Frank once again for our most recent transaction and will always recommend him to others who ask us for a lender.
Oct 1, 2020
Retired
I highly recommend Guaranteed Rate Affinity for your Mortgage Lending needs.
Frank Monaco and staff are wonderful to work with. Mr. Monaco is always up front
with all the facts and figures concerning the lending process. I 've had the pleasure to work with Mr. Monaco twice, once in purchasing my home, and recently refinancing. Both of these transactions with smoothly and professionally. I am extremely pleased with the entire process.
Sep 29, 2020
Happy Home Owner
Frank did a fantastic job of helping us through prequalifying and securing our mortgage. Our loan required another loan to finance and close prior to ours going through. Frank and his team coordinated all of the complications and closed both loans in record time. We would highly recommend Frank and would most certainly rely on him in the future.
Aug 28, 2020
Clinical Applications Professional 4
Frank was a pleasure to with and answered all of my questions every step of the way. He took the extra step of calling me related to my questions which were in email even though I hand not requested a call. I have already recommended Frank to family and friends if they are considering a refinance.
Aug 18, 2020
Many thanks to Frank, he couldn’t have made our home buying easier. Right from the beginning thru to closing, he was available and timely in responding to our every call, text and email. I will highly recommend him and Guaranteed Rate Affinity.
Aug 14, 2020
GM Service Technician
Frank and crew are your one stop source for funding! They are very professional and will do what it takes to get documents submitted on time and complete. The process was as smooth as could be. In addition they got me a rate that was rock bottom at 3%. Guaranteed Rate is a top notch lender. i would not hesitate to use their services again.

Sincerely, Dino Fry
Aug 11, 2020
Humas service specialist
This was my first time buying a house and going through the whole process. I thought it was going to be extremely stressful. Frank made the whole process easy and was extremely helpful along the way with any questions or concerns I had. Will recommend and use Frank with any future lender needs for sure.
Jul 28, 2020
Marine Inspector
Really grateful for Frank and his team throughout our first house purchase. We shopped around for lenders in the beginning and Frank was an easy standout. He has a great ability explaining all the complex requirements, benchmarks, and deadlines. I think a key difference with Frank was that my wife and I never felt rushed when we were talking to him. We had a lot of questions throughout and I really felt like he was there to help us understand and feel comfortable with every step. Bottom line, Frank made this high stress process so much smoother thanks to his professionalism and personable demeanor. Can’t say enough good things about Frank and his team and we’re so appreciative to have them in our corner!
Jul 24, 2020
Homeowner
Our various dealings with Frank have always been great! This last time was no different. He always explained the steps and timelines clearly. He was very accommodating to our needs, even relative to last minute scheduling changes. We could always rely that all necessary documents would be available to us.
Jul 8, 2020
home owner
Always there for me.
Friendly.
Knowledgeable.
Understanding
Convenient Location
Thank you so much! JC
May 27, 2020
Public Servant
I have done to refinance loans with Frank Monaco and both times it went very smooth. Frank is patient, especially with all the questions I had and he explained everything to me. I especially like the fact that I can trust Frank to do what he says he is going to do and not worry about a thing. I would highly recommend Frank Monaco for mortgage lending of any type.
May 7, 2020
Sales Executive
We have gone through Frank several times over the years for our home loans. He is professional to work with and makes the process extremely easy. Even with Franks office in Northern CA (and us having relocated to Southern CA), we still wouldn't think of going through anyone else.
May 6, 2020
Home buyer
Frank and his staff made this refiance the smothest tranaction that I can ever been through. I will use him in the future and recomend him to my friends.
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
Retired
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
Manager/Owners
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
Homeowners
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.

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