With more than 20 years of experience in the mortgage and real estate industry, Monica has extensive knowledge with multiple lenders to service every customer’s needs.

Her first position started as a receptionist at a local small mortgage company. Where in only six months later, she got promoted to junior processor. Just six months after that as a full processor and, the rest is history.

In 2012, she opened Only1Notary, accumulating a list of 15 different clients she serviced as a top tier notary. In 2019,  she decided to move to the next level and, she became a licensed loan officer. Later in 2020, she create Only1Lending, establishing a solid business foundation focused on customer service and great communication throughout the entire loan process.

Monica has always fully enjoyed the mortgage and real estate industry. She prides herself and her business in helping clients to reach their financial goals concerning their properties.

Services Offered:

  • First Time Buyers
  • Conventional Loans
  • FHA Loans
  • VA Loans
  • Refinance
  • Fixed & ARMs
  • Down Payment Assistance
  • Bank Statement Programs & More
  • Notary
  • Bilingual

Google Reviews

17 Recommendations

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Monica is awesome!!! She is honest, trustworthy and diligent! She worked so hard for both my refi’s with her. She was so persistent in getting me the absolute lowest interest rate. Thank you Monica for all you do!

Susan A.
  • Monica with only1lending, she is one of the GREATEST person I have ever met. She made me feel like I was number one. She made me feel like it is possible to buy a house. I actually cried when she gave me the green light that I was cleared to close. I was always hearing NO! But not with Monica she is heaven sent. Thank You very very very much Monica.
    P.S I Love being a HOMEOWNER!

    Genaro Rascon
  • I recommend you to work with Monica. Monica and her team will work together to help you close on time without issues. She is a dependable person who will find a way to make it work. 10/10, Thanks again for everything Monica.

  • Thank you for your assistance through the loan process. Your personal attention was deeply appreciated. You answered every question we had and and identified important items for our review. I will definitely recommend your services for anyone looking for a mortgage. The whole process went very smoothly!

    Amancio V.
  • Monica helped make the refinancing process so much easier. She answered any questions we had and explained everything with detail so we understood what we needed and what she could do for us. It was a pleasure getting to work with Monica. We highly recommend her!

    Maria O.
  • Monica Estrada helped me and my husband with our mortgage needs. I would 100000000 times recommend her!!! She was very detailed and open about the process and made us feel at ease. Thank you so much!

    Veronica Vera
  • Refinancing is a daunting experience some times. The experience I had with Monica was nothing short of Fantastic! The whole thing was done in 8 days right before the holidays. She was very helpful through the whole process and if I needed anything or had a question, she followed up as soon as she could and we moved swiftly. I will use her as long as I can and would recommend her to my friends family and peers.

    Matthew T
  • Monica is the only loan agent I will ever use! She takes care of you like family! Her attention to detail, knowledge and wicked sense of humor make whatever loan process you need seamless.

    Lisa M.
  • In March of this year I started my refinance process with American Financing. As they put me through an emotional roller coaster, 6 months later they told me they could not do my refinance. American Financing told me that I would have to wait an additional 6 months before I could look at doing a refinance with them. After feeling defeated, a mutual friend highly recommended Monica’s services and said that she would be able to meet my needs and get me closed within a month. Monica got to work on my refinance. There were some items that needed clarification on the conditions of my loan before we could move forward. With prompt communication and action between the underwriter and myself, Monica was able to satisfy those conditions in a timely manner. We closed within a month. This loan was a new beginning for me. I was able to consolidate my debt, reducing my interest rate at the lowest interest rate available and provide me with cash back. Working with Monica has allowed me to achieve the financial freedom I have been pursuing. I would recommend Only 1 Lending’s services to anyone wanting to achieve financial freedom with amazing customer service. Her prompt attention, communication and professional services make refinancing an easy and satisfying process.

    Chris G.
  • If you are looking for above and beyond service, and the absolute finest in lending, look no further! Monica Estrada is the best that there is! She has helped me with several refinances over the years, and I wouldn’t trust my business with anyone else but her. This is also why I recommend her to anyone and everyone I know that is in need of a lender. Not only does she get the job done faster from start to finish than anyone else I have ever met, but she does so with absolute precision, professionalism, and top notch skill! So you see, Monica Estrada isn’t just a lender, she is THE lender!

    Marissa E.
  • Monica was truly wonderful throughout the entire home buying process. As first time home buyers, my spouse and I were scared that we did not know nearly enough nor were prepared. Monica made us feel like she had our best interest in mind always and she not only exceeded our expectations she truly changed our lives!

    Deysi V.
  • During these COVID-19 tough times, instead of my mortgage going down it went up a couple of hundred bucks. I was not going to be able to pay my mortgage and decided I needed to refinance. I had no clue what I needed to do or where to even start and am so thankful I crossed paths with Monica Estrada Bergeron. She is the very best at her trade. Her professionalism, knowledge and quick responses made me feel at ease. Monica has such positive energy and outlook and I knew everything was going to be just fine. In no time, I was in an extremely much better financial situation. I am extremely grateful to have found Monica and appreciate all her hard work. I highly recommend her. Thank you Monica Estrada Bergeron!!!

    Laura H.
  • I would highly recommend working with Monica regarding any of your mortgage lending needs. She shares her knowledge and expertise with great regard for her client she serves and is very patient throughout a sometimes, stressful process. If you need these services, don’t hesitate to contact her and quickly moved toward more financial freedom.

  • Purchasing our 1st home Monica made sure we knew everything that was going on and was always one call away. Her dedication and commitment really showed us she was the one. One year later, we again reached out to Monica for assistance in refinancing our home, the process was smooth, fast, and stress-free.

    Eduardo G.
  • Sue and I want to thank you for your help in getting our recent refi done. We are thrilled with our interest rate! We appreciate your professionalism and responsiveness and everything you did to make the process a smooth one.

    Paul and Sue S.
  • Monica is hardworking and efficient, she is very well organized, thorough and professional. I trust Monica with my buyer’s because she treats them on a personal level and not just as another loan customer. I have personally used Monica for my own loans and I couldn’t be happier. I know that I can trust her quality and work ethic.

    America S.
  • Monica Estrada was excellent in every aspect Any questions that my sister and I had were answered right way no matter the day and time. She worked extra hard to get us the loan we needed and wanted. She is great at keeping you updated on anything that is going on with your loan. She is just awesome to work with . Very nice, friendly and professional. We are very grateful we got to work with someone like her.

    Zaira B.
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