Monika Chrupczak, Mortgage Broker

06/15/2026

5.0 star review received on Experience.com for Monika Chrupczak by Jessica M - I had the best experience with Monika getting a HELOC to consolidate my debt. Many other loan officers had told me this would be impossible, and I would have to refinance my entire mortgage, which I very much did not want to do. Monika communicated with me via text and responded quickly whenever I needed help. The process was quick and easy and very much aligned with my schedule. As a single mom with a very demanding career, her flexibility and responsiveness were so important to getting this done. Now I am saving over $1000 a month and able to focus on my son and my work, rather than constantly being in a state of panic about my debt. Truly cannot express my gratitude enough.

Click to see all 18 reviews of Monika Chrupczak, Branch Manager

06/12/2026

5.0 star review received on Experience.com for Monika Chrupczak by Anna D - This was by far the easiest and fastest HELOC experience I've had. Monika was amazing to work with! Other lenders wanted to use my lower credit score but Monika found a way to qualify us using my husband's score instead. We signed with a notary within 24 hrs and received our funds just a few days later!

Click to see all 17 reviews of Monika Chrupczak, Branch Manager

05/12/2026

5.0 star review received on Experience.com for Monika Chrupczak by Donald A - Monika helped me close a loan that other lenders couldn’t get done. She has access to multiple lenders with guidelines my bank wasn’t able to offer.

We were able to complete an investment property loan without traditional income qualification, using market rent instead, which opened doors for me to move forward. Now I’m in a position to invest in another property thanks to her help.

Highly recommend working with her if you need creative lending solutions and a lender who actually gets things done! Thank you again Monika!!

Click to see all 16 reviews of Monika Chrupczak, Branch Manager

05/09/2026

03/25/2026

We are expending - another office in AZ!

Come work with us 🤗

03/06/2026

🏆 2025 Rocket Pro Award Winner - West Capital Lending

As a mortgage broker, I’m able to shop multiple lenders to find the best loan options, whether it’s first-time buyers, self-employed borrowers, or non-traditional scenarios that banks often can’t do.

If you’re:
🏡 Buying a home
💰 Refinancing
🤝 A realtor looking for a reliable lending partner

Let’s connect.

📩 DM me anytime.

Monika Chrupczak

01/17/2026

Here is what you would save per month with a 1% drop-in mortgage rates.

There is a common myth out there that the mortgage rate has to drop by at least 1% in order for it to make sense to refinance... but that is actually not true.

Most refinances allows for $0 due at closing and you get to skip 2 mortgage payments - so the 1% rate drop really depends on your current loan balance because the smaller the loan... the less 92 impact 1% makes.

Take a look at this cheat sheet and if you, or your family member, want a FREE Rate Drop Analysis to see if it makes sense... just email me your most recent mortgage statement.

That is all I need to run a quick analysis and if we can save you money... I AM HERE FOR IT!!!

12/02/2025

🏡 US mortgage applications surged to
the highest level since 2023 last week.

The Mortgage Bankers Association’s index of home-purchase applications jumped 7.6% to 181.6 in the week ended Nov 21, 2025.

Are you ready to get preapproved? Call me 📞😎

11/04/2025

🍁 Fall into Homeownership Knowledge 🍁
As the leaves change, it’s the perfect time to refresh your understanding of mortgages! Whether you’re a first-time homebuyer or exploring a refinance, knowing your loan options can make all the difference. 🏡✨

Let’s break down what matters most - interest rates, down payments, and the best loan type for your goals.

💬 Message me if you’re ready to take the first step toward your dream home this season!

09/24/2024

Great news for homeowners and buyers!
Mortgage rates have dropped 0.5%, making it the perfect time to refinance or lock in a lower rate for your dream home. Don’t miss out on this opportunity to save!