Skip to content

Helping You Unlock the Door to Your Dream Home

Get a Great Low Rate with Broward's Most-Trusted Mortgage Professionals.

Hablamos Español
Apply Today Free Consultation


Request a Free Consultation

Connect with us now for the latest rates and loan options. Submit your information below to get started.
 
Mortgage approvals

Mortgage Broker near Lauderhill, FL
Welcome to Loans by Monica

Welcome to Loans by Monica/Equity Smart Home Loans, your trusted partner on the path to homeownership. We understand that finding the perfect home is more than just a transaction; it's about turning your dreams into reality. As seasoned mortgage brokers in Lauderhill, we are here to guide you every step of the way, offering a seamless and stress-free experience. Whether you're a first-time homebuyer, looking to refinance, or searching for a mortgage solution that suits your unique circumstances, Loans by Monica/Equity Smart Home Loans is committed to providing you with expert advice and personalized lending options. We believe that homeownership is within reach for everyone, and we're dedicated to helping you unlock the door to your dream home.
More About Us

Our Services
Our Mortgage Experts Can Help You...
 

Business Loans

Ideal for Investors

Image

DSCR Investment

DSCR (Debt Service Coverage Ratio) loans are ideal for real estate investors. Approval is based on a property’s rental income rather than personal income, making it easier to qualify and expand your investment portfolio.
Learn More
Dices over newspaper gfdb9808bf 1920

P&L Statement Loan

P&L loans are designed for self-employed borrowers who qualify using their business profit and loss statements instead of tax returns. Ideal for entrepreneurs seeking flexible income verification and competitive financing options.
Learn More

Multi Family

Multi-family loans help you purchase residential properties with 2 to 8 units, such as duplexes, triplexes, and fourplexes. These loans are a powerful tool for investors and homeowners because the rental income from the additional units can help you qualify for the loan and offset your mortgage payment.
Learn More

Why Choose Us?
Lauderhill's Most-Trusted Mortgage Professionals

At Loans by Monica/Equity Smart Home Loans, we stand as your trusted partner throughout your homeownership journey. Our commitment extends far beyond mere mortgage brokering; it's about delivering peace of mind and financial security to our valued clients. With an unwavering dedication from our seasoned team of experts and a proven track record of excellence, we are the choice that transforms your homeownership dreams into tangible reality.

Experience and Expertise:
Benefit from our decades of industry experience and a team of mortgage professionals who possess an intricate understanding of the ever-evolving market landscape.


Tailored Solutions:
We firmly believe that one size doesn't fit all. We'll help find a loan option that aligns with your unique financial situation and homeownership aspirations.


Competitive Rates:
We'll work hard to get you the most competitive interest rates and loan terms that translate to significant savings over the entire duration of your mortgage.


Streamlined Process:
Our efficient and straightforward application process ensures swift approvals, reducing hassle and making your homeownership journey smoother.


Personalized Guidance:
Experience dedicated one-on-one guidance from our mortgage specialists who are committed to empowering you with well-informed decisions.


Local Expertise:
We possess an intimate understanding of the local market intricacies, making us the perfect partner to navigate the regional real estate landscape alongside you.
 
Get in Touch

How to Finance Your Next Home
Our Simple Application & Approval Process

 

Step 1:
Submit Your Application

Start by submitting your mortgage application, providing us with the necessary details to get the process underway.

Step 2:
Fast Approval

Our streamlined approval process ensures you receive a swift response, so you can move closer to securing your mortgage.

Step 3:
Property Closing

We guide you through the closing process, making it simple and efficient, so you can transition smoothly to homeownership.

Step 4:
Welcome Home

Congratulations, you're now a homeowner! We're here to welcome you to your new home and assist with any future mortgage needs.

Talk to Our Mortgage Experts

Ready to make your homeownership dreams a reality? Contact Loans by Monica/Equity Smart Home Loans today to schedule a free consultation.
Get Started

Read What People Are Saying
Customer Reviews
 

"Highly recommend Monica! She was able to help us with a loan for a Duplex and she very amazing to work with. Very helpful and caring."
— Vidal M.
Real estate gab7a9827d 1920
"I recently had the pleasure of working with Monica Ochoa, a truly exceptional mortgage professional, during the financing process for a real estate deal. From start to finish, Monica demonstrated unparalleled dedication and meticulous attention to detail, ensuring that the process was smooth and efficient. Thank you, Monica, for your exceptional service!"
— Debora R.
Mortgage Brokerage
" Excelente persona,muy comprometida con su trabajo,y dando la mejor información para satisfacer y dejar a la persona extremadamente conforme con la experiencia del trabajo con lo deseado con la meta que uno quiere lograr,la recomiendo ciento por ciento 👏🏻"
— Sandra L.
"We recently worked with Monica Ochoa couldn’t be happier with the experience. From the very beginning, she was professional, knowledgeable, and incredibly responsive. She took the time to explain all our options clearly and guided us through the entire loan process with patience and confidence. What we appreciated most was how she truly had our best interest at heart—finding us the best rate and ensuring everything moved smoothly from beginning ending. We highly recommend Monica to anyone looking for a trustworthy and efficient mortgage broker.."
— Youth Transformation Foundation
"Excellent customer services from Monica!! She helped me clarify many questions I had regarding what it will be the best way to improve my credit score and how to be prepare to apply for a mortgage loan.
Monica really went above and beyond, I would give her 6 stars if I could."
— Fany H.
"As a Realtor I've referred clients to Monica Ochoa for the last two years with great results. I recently had the opportunity to use her for my clients, First time Home buyer, and now I know why my clients have always been thrilled! She's thorough, timely, personable and most importantly knowledgeable. I'll certainly be referring her for a long time to come.” Thank you Monica for your professionalism and dedication to our clients...
Thanks to God and your efforts we were able to close this transaction!"
— Reyna O.

Contact Us For Assistance

Give us a call or send us a message using the form below.
 
F8bda992 7d72 4d59 9a18 ba0b1f23ca87

Superior service, personalized attention

Helping customers to achieve the American Dream by being able to afford their own home. Our simple loan application and process will allow for better choices and decisions that will ultimately help them achieve financial goals for generations to come.

*Hablamos Español, contáctame para una precalificación.
Learn More

Monica Ochoa- Mortgage Loan Officer | NMLS# 2142400 

Equity Smart Home Loans, Inc NMLS# 856170

Visit equitysmartloans.com. Rates, Fees and Programs are subject to change without notice. This is not a guarantee or a commitment to lend. Some products may not be available in all states. Not all applicants qualify for financing, subject to review of credit/collateral. Equity Smart Home Loans NMLS#: 856170 DRE#: 01906808 Headquarters:
1499 Huntington Dr. Suite 500, South Pasadena, CA 91030, (323) 258-4317

EQUAL HOUSING LENDER