Monica Stewart-Gonzalez

Phoenix, AZ

NMLS 2642867

Banker

Monica's Reviews

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She initially offered a refinance program that would save me about $200 per month on my mortgage, but the closing costs were $16,000. I didn’t feel that was a good deal at all. When I calculated the break-even point, it became clear that there was really no benefit to the offer.

After I expressed my concerns, she presented another option with roughly half the closing costs—around $7,000—but that ...She initially offered a refinance program that would save me about $200 per month on my mortgage, but the closing costs were $16,000. I didn’t feel that was a good deal at all. When I calculated the break-even point, it became clear that there was really no benefit to the offer.

After I expressed my concerns, she presented another option with roughly half the closing costs—around $7,000—but that one only saved $100 per month. Again, on a $3,500 monthly mortgage, that just didn’t make financial sense.

To be completely honest, it started to feel like the focus was more on getting me to sign the deal than on what was truly in my best interest. I do appreciate that she took the time to explore options as I asked, but by the end, it seemed more like she was hoping I’d agree to move forward rather than genuinely trying to help improve my situation.Read MoreRead Less