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.


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.


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

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.

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.

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.

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.


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.

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!


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.


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.