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Find the loan to fit your life
Guiding your home journey - with heart and precision.

About me

Monica Ao is a relationship-driven mortgage professional who believes the best lending happens face-to-face.  Known for her incredible memory and warm, approachable style, she helps clients feel seen and supported at every milestone.  Monica brings an upbeat energy to her work - balancing expertise with genuine connections.  Outside the office, she's on the tennis court, golfing with friends, or glamping with her family.  With Monica, you are gaining more than just a loan officer, you gain a steady, thoughtful partner on the path home.

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

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.96 out of 5.0 stars
Zillow logo
5.0
Experience logo
5.0
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5.0
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5.0
Andrew
Dec 20, 2025
Vancouver, WA
Experience logo
Great mortgage rate, and everything got done with smooth efficiency.
Philip B.
Dec 4, 2025
Google logo
Monica was so amazing... She is so easy to talk to, knowledge, always answered our question and phone calls and went abo...See more
Nathan S.
Oct 28, 2025
Google logo
Monica is wonderful! The entire process, which everyone had told me was difficult, was made very easy!
Jamie
Oct 28, 2025
Vancouver, WA
Experience logo
Monica was very responsive and helped us at every corner throughout our process
Nathan
Sept 10, 2025
Portland, OR
Experience logo
Monica made the entire process as easy as possible and answered all of my questions.
Colin
Aug 28, 2025
Longview, WA
Experience logo
Guild did nothing wrong and Monica was amazing! The seller's lender caused all the delays.

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NMLS ID #429598

I am authorized to do business in the states of Oregon and Washington. OR ML-176;

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