Thank you, we have been in our new house three weeks now and we wanted to take the time to write to you and thank you and your team for working with us in our mortgage loan process. All of you exceeded our expectations in the level of service that you provided since the time we were referred to you by Elsa Nelson we knew that we were in the best hands. You took the time to find out what our goal was and expedited the loan application all the way to the closure of our mortgage loan. You and your team were very efficient and professional at all times. We know all of you work really hard and long hours on getting the job done and we want you to know how much we appreciate you. David and Susana delivered prompt, accurate and easy to understand information. They were always on top of things. Your team is committed to help clients navigate the mortgage lending system in an efficient and well informed way. We are truly grateful to have been assisted by the Forbix team.

Best Regards, John and Veronica Cueto

I started with Bank of the West in February 2019 from PCMI which was ready to close my loan. Bank of the West mortgage broker told me that I can get a better deal with them. I believed it and when we have not closed in November 2019, I knew somebody was lying. I spoke to Shiva Bhaskar of Tier One (who actually helped me with cleaning up my credit) and she recommended Mona Elhalwagy from Forbix. She is truly a professional in the mortgage business. She took time to get the information from me and asked me to send her the documents that I submitted to Bank of the West. She explained how much I will pay for the points, the fluctuating interest rate, closing costs, and prepaids to be paid. She and her assistant Chris were always there to answer questions. The electronic disclosures were sent regularly. Transparency was the key. There were no surprises when I told Mona to lock in the interest rate. The interest rate I got was 3.75% much better than what I was promised by Bank of the West. I was able to save $1,600 a month when I combined my 1st and 2nd mortgages, which was with Bank of America. On top of this, she did it in less than a month to close! I’m working with Mona on another friend that I have. I will refer her to all my friends who need help to refinance their mortgage or relatives who are buying their new homes.


I was looking for a Commercial Loan, and my Attorney friend recommended i talk to Mona at Forbix.
She did an amazing job, as I had little time left to close Escrow. I was pressed for time, and she came through for me on time, and with a great loan.
I highly recommend Mona at Forbix!!

Val K.

Valerie, we cannot thank you enough for taking such good care of us during the purchase of our Triplex in Venice. We know it was a tough loan being a Foreign National loan but you made it so smooth of a process for us even being in Paris during it all!

Thank you and look forward to our next project together!


We used Forbix to help us navigate the complex world of a second mortgage.
Mona, our dedicated manager, made this project easy. We had clear instructions on what documents to gather and sign as well as dealing with all the other details we would not know how to do. In a relative short time, Forbix completed the funding and provided all the legal documents. We would definitely use Forbix for all our real estate projects.

Jodi B.

I don’t remember refinancing ever being this easy. Mona Elhalwagy and everyone at Forbix were a pleasure to work with. They started at a half a percentage lower than another company I got a quote from and finalized below their original quote! I highly recommend working with Mona and Forbix.


Dear Mona,
Our special thanks to you and your team for the wonderful job you all did and for making such a great effort allowing us to successfully close our loan in an extremely tight window of time. The way you handled the challenges of international residencies with limited time overlap during a
crazy holidays season in the midst of a pandemic showed resilience, experience, knowledge, and critical thinking. It was a pleasure to work with you all.

D and N

I want to thank the professional work of Mona and Forbix Capital Corp. I tried 4 different lenders, who told me NO, that it was a risky loan due to Covid-19 but with Forbix everything was very fast we closed escrow in less than 2 weeks. The truth is I was not sure we would close escrow with what had happened to me before but it was done and I am very grateful. Thank you very much Mona.

Mona was awesome and fun to work with and made everything easy. She helped me prepare everything and we closed earlier than expected. I recommend her to everyone that wants to get it done quick and easy. 10/10
Erik P

Mona, thank you so much for helping our family with our mortgage refinance needs. You were always available and helpful and have such a great attitude. Add to that the massive savings you helped us achieve. As a self employed business owner, you made the process a joy at every step.

Mark W.

The team at Forbix Capital helped us with purchasing our first home. They were extremely helpful and knowledgeable about the process, checking in with us every step of the way and available to answer any questions we had. They were available to chat whenever we needed and made us feel very comfortable before making any big decisions. David and Katherine were great to work with and I would recommend working with them!

Jessica P.

I can’t say enough good things about Forbix and their team.  I’ve done two refinances with David Daykhovsky and he provided excellent, timely service, and got me the best rates imaginable!  He made the transaction process painless and efficient.  I have also recommended Forbix to friends and they all agree that their services are equal to none! Don’t hesitate to give them a call.

Chris P.

We put off refinancing our mortgage for so long because we frankly didn’t understand the process very well. And who has the time to learn? Mona was patient enough to answer every single question we lobbed at her, clearly and effectively, to the point that we finally felt comfortable taking the plunge. Not only did she guide us through the process from start to finish, but she was in constant touch with us about when each stage was happening, what we needed to do, and when we should expect to hear back. I can’t imagine going through this process without someone like her at your back.


Mona was referred to me by a good friend of mine. She was able to refinance a few of my rental properties and made the process fairly easy.
She and the Forbix team were always available to answer my questions.  I have already referred her to a couple of friends.


Working with Mona and the team at Forbix Capital was such a pleasure! They made the refinancing process feel easy and painless, and kept me informed along the way. I’ve worked with Mona several times over the years, and would go back to her again and again for her professionalism, and exceptional attention to detail.


Forbix recently funded one of our ground-up-construction projects. The process was extremely efficient with Forbix. Valerie Hapner was professional and friendly and helped us with all stages of the loan process. All Forbix staff were responsive to our requests and communicated with us clearly. Throughout, we had what all experienced real estate investors value most – closing certainty and a great rate!

Owner of Our House Your Home LLC in Carolina Beach, NC.

Mona was introduced by a family member, and oh my, what an experience!

She was extremely professional and responsive at all times, keeping us aware of everything that was happening; if my wife or I had any questions, she was always available to answer right away both via text/email, which made the experience very comforting.

Moreover, she was extremely clear, thorough, and patient as she guided my wife and me through the process. With her professionalism and hard-working attitude, she was terrific to work with, and we are truly glad about this wonderful experience!

Tony L.

Valerie was the most efficient in getting my hard money loan closed in 3 day. I really felt that she put herself in my shoes. She can be 100% trusted.

I met with the principle Emil at loan docs and he was so genuine as well, they made me feel like family. I will always be appreciative of them.


I have always trusted the services of Emil, David and his team when it comes to applying for loans, either for my primary residence or my rental properties because they make it happen all the time. I also love their honesty and professionalism.
Thank you David because you have turned my life around in a very positive way and thank you for doing what you do.


I am so glad I called Valerie on my home purchase! I’m a real estate broker so I know I gave her quite a challenge considering it was a very recent condo conversion and that I am a self-employed business owner. Many lenders had turned me down since it wasn’t an ideal and easy transaction but Valerie confidently closed my purchase navigating through a few obstacles and I am so appreciative. Definitely looking forward to another transaction with Valerie and the Forbix team.


We used Valerie to help us with a bank statement loan because of our unique situation.  She came highly recommended from someone who couldn’t help us with a standard mortgage loan.  I’m so glad we were introduced to Valerie because she got the job done!  She made the process super easy and we successfully closed in under 30 days.  She found us the best option that met our needs with the lowest interest rate possible.  She was extremely fast in responding to text messages and emails.  She always picked up the phone when I called.  She was friendly and helpful.  We couldn’t have asked for anything more and we highly recommend her.  Thank you Valerie and your team!

Diane and Thomas Gorton

The best! The team at Forbix is incredible. They are there every step of the way and make any process seamless. Katherine, David, and Max helped us with our refinance and we could not be happier with their guidance and expertise.
Thank you!

Troy A.

After two years of trying multiple ways to refinance my 4 unit building, Valerie was the only loan broker that could do it and made my deadline before the loan expired.

Thank you for your help, Valerie!

Regards,Arna Vodenos

I have a done a number of transactions over the years with this company and the latest one closed just a couple of days ago. It was a refinance on my primary residence and David moved extremely fast with everything and the process was very simple. Literally, I believe it was 30 days and we had the loan secured with an unbelievable interest rate of 2.7%. David responded quickly and was always there to answer any questions! Just very happy with how things went!

I am a loyal customer and will continue to utilize this agency for any means when it comes to loans or acquisition of real estate.

Alex Kopilevich, M.A. Clinical Director/Co-Founder K&L C.A.R.E., Inc.

I’d like to note that my loan processing with David Daykhovsky was a particularly positive experience, due to his professional manner, in-depth explanations, prompt follow-through, and genuine caring for his clients.

Thanks for making David available to clients like me – he’s a star performer.

Regards, Brad Hughes

OMG, David Daykhovsky (with Forbix Capital) is such a joy to work with. But not only that! He always gets us the best rates/terms, he is hardworking, relentless, smart and the list goes on! You can’t go wrong with David Daykhovsky ON EVERY LEVEL!

Scott N.

David Daykhovsky was amazing! His expertise & guidance helped simplify the whole refi process. We received a loan perfect for our needs & situation. Thank you so much, David!

Melissa A.

I was referred to David Daykhovsky in June 2020 after my bank was not interested in refinancing my home or granting home equity loans. I needed to access equity to buy out my spouse as part of a divorce settlement. David explained options available that would allow me to remain in my home and thankfully they worked based on my financial situation and credit history. He called and text frequently throughout the process and kept me up to date on the progress. He presented me with information that made it easy for someone with limited background in finance/real estate to understand. His guidance through this stressful time will never be forgotten.

Dr. Larry Lemos, Long Beach, CA

Mona has been the personification of professionalism, knowledge and responsiveness every step of the way. She made the process of getting the loan on my last transaction the easiest I have experienced so far. I wouldn’t use anybody else in the future. I will always recommend her. I can’t thank her enough.

Carmen V.

Mona is nothing short of a mortgage superstar. My clients are victims of home title fraud and other types of real estate fraud, and as a result, they have very complex issues that must be resolved before they can borrow money. Nobody else could solve these issues but Mona, and she finds a solution each and every time. If she can handle the situations I bring her, she can handle anything.

David L. Fleck, Esq.

I was introduced to Mona some years ago when I was shopping for a Reverse Mortgage on my house. In her very professional way she took charge and walked me through the intricacies of that particular type of lending and got me the loan.
Her help made it possible for me to put off selling my house for several years and resulted in a hefty value increase that translated in a big profit when I finally decided to sell.
A few years later she helped my son Alan obtain a mortgage when he decided to buy his first condo.
Mona’s expertise and guidance got him through a couple of sticky situations caused by seller’s agent during escrow and, as a result, Alan has been living happily in his home.
And yesterday I closed escrow on a beautiful new house. All thanks to Mona.
She is knowledgeable, patient, and goes way beyond the extra mile to do right by her clients. She goes to bat for you and solves the problems.
As a result, I now count her as my FRIEND.
I recommend Mona wholeheartedly because I know she will take care of you.