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We are here to help you find the loan to fit your life

Monica will help you find the perfect loan to fit your perfect home

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

Monica Centeno is a residential mortgage lender in Henderson, NV. Monica has 20+ years of experience in mortgage lending and takes pride in guiding clients through the home lending process. Monica is licensed in over 30 states and uses her experience and expertise to assist her clients with programs ranging from down payment assistance programs to more complex and specialized loan programs. Monica grew up in Henderson, Nevada and graduated from UNLV. She then attended Chapman University School of Law and is an attorney licensed to practice law in Nevada and California. Monica enjoys traveling, reading and spending time with her two German Shorthaired Pointers, Jax and Willow.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.83 out of 5.0 stars
4.83
5.0
Ashlie
Sep 29, 2025
Marietta, GA
Verified

Monica, Tasah and Tonia were all amazing to work with!
Jennifer
Sep 29, 2025
Henderson, NV
Verified

Very responsive and helpful.
Mildred T
Oct 01, 2025
Verified

I had my home refinanced with Guild Mortgage! The entire team was excellent as far as professional and caring for you as a human being! They restored my hope in obtaining a brighter and better financial future! I would be honored to recommend Guild Mortgage to anyone! Thank you for a great and wonderful experience!
Mildred
Sep 30, 2025
Columbus, OH
Verified

After experiencing bankruptcy, the feeling of failure and even hopeless was there. Trying to re-establish my credit seem impossible. When I received the letter from Monica that there was help even if you have went through bankruptcy it gave me hope that there may be a light at the end of the tunnel. Today, I have successfully went through the loan process and I was able to get my home refinanced with Guild Mortgage! This whole experience has helped me in so many ways that words could not express all my feelings! I now have hope and failure is not an option as I believe now and I'm looking fourward to a brighter and better financial future thanks to Guild Mortgage! Special thanks to everyone that I had the pleasure of talking to either by phone or email you were great in leading and instructing me throughout the entire process! Truly, this was a great experience and I so grateful for the outcome! Again, thank you!
Scott
Sep 17, 2025
North East, MD
Verified

Monica's and the team made this a great experience
Mario R
Sep 18, 2025
Verified

Esther was fantastic! She made the entire process seamless and stress-free. Her professionalism was top-notch, and I highly recommend her services.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1100009
I am authorized to do business in the states of Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Maryland, Michigan, Mississippi, North Carolina, Nebraska, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington and Wisconsin. AZ BK#0018883; AZ BKBR# 0121399; AZ LO Lic.# 1000406; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org/); MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # 1100009; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176;