“My experience with Ben Webster and Monarch loans was the best!!! Great people to work with and always kept me posted on what the status was of my loan process. They really look out for you and try to get the best deal you can. My refi was a little complicated but they worked it out and I was very very pleased with the outcome. Thanks to Ben and his team for making it happen!”
Susan C., North Hills, CA
“They did what we didn’t think was possible. We didn’t think we could possibly refinance in this market but they proved otherwise.  Their impeccable attention to our particular needs, their ability to explain our options in layman’s terms and tireless pursuit of our best rate make them the best in the business!”
Steve R, Santa Clarita, CA
“I have done several real estate transactions and nothing even compares to this.  Brett and his team are awesome!  I have a very crazy life and schedule and he worked with me 100%.  Brett is upfront, honest and completely professional.  He spelled out at the beginning what exactly he would need from me and what I needed to do to move forward.   I would absolutely recommend him to any family or friends.”
Alissa G, Orange County
“They were incredibly helpful and responsive.  When I was considering refinancing my home he sent me a very easy-to-understand analysis about the different options available to me.  It made the decision making process so clear.  I got a great rate and all my questions were answered quickly and thoroughly.  If you are considering a new loan or a refi, do yourself a favor and contact Brett.  He’s very helpful and so easy to work with.”
Tal P, Los Angeles
“I’ve used them for my home purchase and 3 subsequent refis. There is a reason I keep coming back! The team is honest, communicates well and always lives up to the highest of expectations. I highly recommend them.”
Mark M, Orange County
“We refinanced with Brett Bonecutter about a year ago.  We were so impressed with the staff and the way they walked us through the process, we decided to refi again with them this year.  Brett Bonecutter helped us decide when the best time would be to refi  for us based on our individual criteria.  We trust his advice and have found it to be right each time.  He and his staff were energetic without ever being pushy.  They were available for any kind of information or support needed.  They communicated every step well so that there never any confusion.  I couldn’t believe how easy they made this process compared to other times we have refinanced over the years. I have recommended Brett to several of my friends and feel very good about doing so..”
Elli B, Ventura County
“Late last year, Brett Bonecutter and his team managed the refinance of my principle residence.  In the initial discussion, Brett clearly explained the pros and cons of the refi relative to how to handle the 1st and 2nd and his recommendation in how to get both the lowest rates and lowest total interest paid for both mortgages.

The approval process was easier and quicker than any of the previous five loans/refis I have completed since we bought our first home 15 years ago.  Brett’s team kept us regularly and frequently updated on the the status.

The escrow process was even easier than the approval process, even though we had to initiate a Power of Attorney to be sure we would close on time.  In both cases of the POA and the final closing papers, Brett sent out one of his representatives to our home at a time of our convenience to sign the documents.

I cannot recommend Brett’s team highly enough and they will certainly be getting my business in the future, as well as, as many referrals as I can give.”

Brett D, San Clemente
“Brett Bonecutter and his uber-efficient team are as good as it gets. They delivered what they promised from beginning to end, with utmost in personal, professional service.  When the document process got complicated, they worked even harder.   I highly recommend Brett and American Capital. He earned my business today and will have my business for years to come..”
Tod B, San Clemente
“I have worked the banking/real estate business for 30 years as well as building homes and obtaining construction loans and permanent financing.  During all these years I have dealt with many loan officers from many different lending institutions and I feel that Brett Bonecutter is one of the best I have ever dealt with.

Brett was always upfront, honest and handled my transactions in a very expedient and professional manner.   I so appreciated his honesty regarding the timeframe, rates and fees – he NEVER misled me or made promises he couldn’t keep.

I would highly recommend Brett to my friends and colleagues with full confidence that they would be treated in the same manner.”

Laura P, Canyon Lake


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