Shelby Monaghan

“Shelby is a true professional. We’ve worked with numerous mortgage brokers over the years, and Shelby consistently stands out for his attention to detail, outstanding communication, and commitment to keeping everyone informed throughout the process.”

Shelby is a true professional. We’ve worked with numerous mortgage brokers over the years, and Shelby consistently stands out for his attention to detail, outstanding communication, and commitment to keeping everyone informed throughout the process. We’ve had the pleasure of working with him since 2014 on numerous transactions, and we can always count on him to close on time. He truly cares about his clients and goes above and beyond to make every transaction as smooth as possible. Highly recommended!

“We contacted three mortgage companies and found Shelby the most cooperative and experienced. We texted him at all hours of the day and night, and he responded quickly.”

We contacted three mortgage companies and found Shelby the most cooperative and experienced. We texted him at all hours of the day and night, and he responded quickly. He offered sound advice on when to wait until the interest rates dropped and when to lock in. I found him very impressive.

“Shelby is by far the best I've worked with so far. He and his staff are very professional, friendly, knowledgeable, and experienced.”

I'm an active Realtor and when it came time to purchase a second home, I knew to shop around for a good lender. I spoke with several banks and mortgage brokers and ultimately decided to work with Shelby. I'm so glad I did. I work with lenders on a daily basis so I know the difference between a good one and a not so good one. Shelby is by far the best I've worked with so far. He and his staff are very professional, friendly, knowledgeable, and experienced. He was very easy to communicate with and answered all my questions clearly and timely. Best of all, we closed right on time! I highly recommend giving him a call before you choose a lender. You'll be glad you did.

“Mr Monaghan went over and above in helping myself and my husband. He explained everything in detail and there was never a surprise with anything upcoming .”

Mr Monaghan went over and above in helping myself and my husband. He explained everything in detail and there was never a surprise with anything upcoming . We were truly in jeopardy of loosing our house from my medical bills. He was very understanding and gave us many options, never pushed in anyway. I would recommend anyone struggling to hold on to their home to call him. He can really help you. I never thought we would get back on top but here we are almost a year later. Thank you many times Mr Monaghan!!

“Shelby and his team definitely made our first home buying process a really smooth and painless one. He literally closed our loan in just 30 days!!!”

What can we say aside from, Shelby was amazing to work with!!! Being self-employed, we thought the process of getting a loan would be challenging, but Shelby and his team definitely made our first home buying process a really smooth and painless one. He literally closed our loan in just 30 days!!! We couldn't be happier with the level of service and the great interest rate we got from 1st Financial. We shopped around for rates prior to committing and no one else could come close to these guys. Would highly recommend to anyone looking to purchase a home! Thanks so much Shelby!!! :)-Alex + Ruthie

“He stayed with us every step of the way, as a counselor, mentor and most of all, a friend. No one will take better care of you than Shelby.”

When my wife and I first approached Shelby about a mortgage, he advised that we repair portions of our credit first. He stayed with us every step of the way, as a counselor, mentor and most of all, a friend. No one will take better care of you than Shelby. My wife and I worked with him for almost a YEAR before we purchased our dream home. Shelby took the difficult contracts, terms and definitions, explained them in easy to understand language, and then ensured we received the best rate for our VA backed loan. If I could give him a score higher than 5-stars, I would. You will enjoy every step of the home buying process by using Shelby!

“Shelby went above and beyond to help my wife and I quickly resolve a couple large issues that arose during the process of purchasing our home.”

Shelby went above and beyond to help my wife and I quickly resolve a couple large issues that arose during the process of purchasing our home. This issues had nothing to do with him, or PRMI, however, his knowledge and expertise were absolutely paramount to resolve them. I would recommend Shelby and PRMI to anyone looking at purchasing a home, whether it is their first, or their one-hundredth. You will not be disappointed!

“I highly recommend Shelby at PRMI. I've heard horror stories about buyers receiving inaccurate data late in the closing process. Shelby started my loan process with an accurate estimate...”

I highly recommend Shelby at PRMI. I've heard horror stories about buyers receiving inaccurate data late in the closing process. Shelby started my loan process with an accurate estimate of all closing related costs, early in the process and stayed in touch with me each step of the way. Closing went without any issues. Excellent job!!!

“Shelby was able to resubmit our paperwork, get us approved and still close on our original closing date! He kept us informed throughout the quick process.”

Shelby was amazing. Our realtor recommended Shelby to us after being denied for a loan from another company. Shelby was able to resubmit our paperwork, get us approved and still close on our original closing date! He kept us informed throughout the quick process. Home buying is a very stressful time, but Shelby made it super easy and was positive throughout the process. There was never a doubt that he would get us into our home.

“Shelby goes above and beyond to answer questions, explain documents and provides an incredible amount of support throughout the entire process.”

Shelby goes above and beyond to answer questions, explain documents and provides an incredible amount of support throughout the entire process. I am a first time home buyer and he made me feel completely at peace throughout every aspect of the process. I’m sad our time working together is ending but am so blessed that I had the honor of working with Shelby. God bless you!

“Shelby is by far the best I've worked with so far. He and his staff are very professional, friendly, knowledgeable, and experienced.”

I'm an active Realtor and when it came time to purchase a second home, I knew to shop around for a good lender. I spoke with several banks and mortgage brokers and ultimately decided to work with Shelby. I'm so glad I did. I work with lenders on a daily basis so I know the difference between a good one and a not so good one. Shelby is by far the best I've worked with so far. He and his staff are very professional, friendly, knowledgeable, and experienced. He was very easy to communicate with and answered all my questions clearly and timely. Best of all, we closed right on time! I highly recommend giving him a call before you choose a lender. You'll be glad you did.

Apr 30, 2021

“Shelby's worked with a number of my buyers and done what other lenders haven't been able to do. ... Shelby has done the near impossible while making it seem easy.”

Shelby's worked with a number of my buyers and done what other lenders haven't been able to do. Sometimes, the difference is simply that he picks up the phone when called. Other times, it's his knowledge and patience in helping my clients through what can sometimes be a very difficult process of buying a home. Shelby has done the near impossible while making it seem easy.

Feb 1, 2021

“Shelby is very knowledgeable, honest [and] very professional. Shelby made the process go smoothly and easy. We would recommend Shelby to any friends and family.”

Experience with Primary Residential Mortgage branch in Lutz was great.We worked with Loan officer Shelby Monaghan. Shelby is very knowledgeable, honest at the same time very professional. Buying a home is very stressful process.Shelby made process to go smoothly and easy. We bought the house and refinance year later, I can not express enough how happy we were to work with Shelby obtaining the right loan mortgage for our family, each time buying and refinancing. We would recommend Shelby to any friends and family as the best Loan officer in the Tampa Bay Area. Thank you Shelby and Primary Residential Mortgage!!!

“[W]orking with Shelby was absolutely amazing. He took all the stress and worries of the whole process and took it on himself. Incredible to work with!”

We were first time home buyers. I heard many horror stories of the amount of paperwork and stress involved with getting financed for a house, and wasn’t looking forward to that part. I have to say that working with Shelby was absolutely amazing. He took all the stress and worries of the whole process and took it on himself. Incredible to work with, and I called him many time at all different hours of the day and he always picked up the phone. I would recommend and refer everybody to Shelby! I can’t thank you enough!

Nov 13, 2019

“The home buying process can be very stressful but I was fortunate to have found a loan officer that helped me every step of the way. I would highly recommend their services.”

I thoroughly enjoyed my experience with Primary Residential Mortgage. Shelby Monoghan went above and beyond expectations! When ever I had questions or concerns he was on top of it to assist with answers and advice. The home buying process can be very stressful but I was fortunate to have found a loan officer that helped me every step of the way. I would highly recommend their services. I can not say thank you enough for their hardwork in making my dream of home ownership become a reality.

“He took the stress of purchasing a home away. He was so knowledgeable and helped us understand the process. He answered all of our calls and emails quickly.”

I am so glad to write a review for Shelby. He took the stress of purchasing a home away. He was so knowledgeable and helped us understand the process. He answered all of our calls and emails quickly. He was friendly and easy to talk to. I would recommend Shelby for anyone who is looking to purchase a home! He made our dream home a reality!!

“Shelby and Dawn made the home buying process a breeze! They are both very knowledgeable and honest people!! ( ... ) We were able to be in our home by Christmas 💜”

Shelby and Dawn made the home buying process a breeze! They are both very knowledgeable and honest people!! If you ever need someone that is going to be timely, honest, and professional Shelby is definitely the person you want to call on. Thank you again! We were able to be in our home by Christmas 💜

“Shelby exceeded our expectations and went above and beyond throughout our experience to make this the easiest and enjoyable time for us. He was available any time we needed.”

We were out in touch with Shelby through a mutual friend. Shelby exceeded our expectations and went above and beyond throughout our experience to make this the easiest and enjoyable time for us. He was available any time we needed with questions or quotes. He worked with us in anyway he could to make sure we got the home of our dreams! He was also able to give us the lowest interest rate after shopping around.

“Shelby was all-around fantastic!! I worked with him on my first home purchase and the process could not have been more seamless.”

Shelby was all-around fantastic!! I worked with him on my first home purchase and the process could not have been more seamless. He was knowledgeable and very thorough. When I did some research and started to ask him about different closing options, he was completely open to hearing me out. Moreover, he worked his magic and ended up getting me an even better deal than I had thought possible. I highly recommend him and will 100% use him for my future purchases. Thank you Shelby!!

“Shelby has the buyers best interest in mind. Although I know this field VERY well, and may not have worked with brokers in the past - now that I have Shelby on my side, I'd never go elsewhere”

I've working with Shelby on two home purchases, and will continue to work with him. Whether it's determining a plan to better your credit before purchase, or Shelby's level of transparency and communication, or the simple fact that he can nearly get anything done and in a great timeframe. Shelby has the buyers best interest in mind. Although I know this field VERY well, and may not have worked with brokers in the past - now that I have Shelby on my side, I'd never go elsewhere - or directly to the bank. There is simply no benefit, that Shelby can't make even stronger.

“Shelby started my loan process with an accurate estimate of all closing related costs... and stayed in touch with me each step of the way. Closing went without any issues.”

I highly recommend Shelby at PRMI. I've heard horror stories about buyers receiving inaccurate data late in the closing process. Shelby started my loan process with an accurate estimate of all closing related costs, early in the process and stayed in touch with me each step of the way. Closing went without any issues. Excellent job!!!

Dec 21, 2018

“He took the stress of purchasing a home away. He was so knowledgeable and helped us understand the process. He answered all of our calls and emails quickly.”

I am so glad to write a review for Shelby. He took the stress of purchasing a home away. He was so knowledgeable and helped us understand the process. He answered all of our calls and emails quickly. He was friendly and easy to talk to. I would recommend Shelby for anyone who is looking to purchase a home! He made our dream home a reality!! Thanks again Shelby!

“Shelby is truly one of the best Loan Officers I've ever worked with. Not only has he been an outstanding lending partner for my real estate clients, but he also helped me finance my very first home.”

⭐⭐⭐⭐⭐ Shelby is truly one of the best Loan Officers I've ever worked with. Not only has he been an outstanding lending partner for my real estate clients, but he also helped me finance my very first home. He made the entire process smooth, stress-free, and was always available to answer my questions. Shelby is knowledgeable, responsive, and genuinely cares about his clients. I highly recommend him to anyone looking for a trusted mortgage professional!

“Shelby is very thorough and he made my mortgage paperwork easy to understand. My mortgage went through extremely fast with Shelby watching closely to verify my needs were met.”

Shelby is very thorough and he made my mortgage paperwork easy to understand. My mortgage went through extremely fast with Shelby watching closely to verify my needs were met. I definitely would use him again and recommend him to anyone who needs a mortgage.

“Shelby is the real deal.. He was responsive at all times, guided us through the first-time home-buying process, and put my growing family and I into exactly the right home.”

Shelby is the real deal.. He was responsive at all times, guided us through the first-time home-buying process, and put my growing family and I into exactly the right home. He fought to keep us within our budget and made sure we didn't break the bank with the up-front costs. Thank you Shelby for helping put a roof over our heads. There is no question who I will be calling once it's time to refinance or upgrade down the line!

“Shelby has the buyers best interest in mind. … now that I have Shelby on my side, I'd never go elsewhere - or directly to the bank.”

I've working with Shelby on two home purchases, and will continue to work with him. Whether it's determining a plan to better your credit before purchase, or Shelby's level of transparency and communication, or the simple fact that he can nearly get anything done and in a great timeframe. Shelby has the buyers best interest in mind. Although I know this field VERY well, and may not have worked with brokers in the past - now that I have Shelby on my side, I'd never go elsewhere - or directly to the bank. There is simply no benefit, that Shelby can't make even stronger.

“Working with Shelby was efficient and seamless. He assuaged all concerns and was very informative.”

Shelby was highly recommended by Ronnie Perez and both of these people deserve high praise. Working with Shelby was efficient and seamless. He assuaged all concerns and was very informative. Both my realtor and title company all agreed during closing that Shelby was fantastic and they would recommend and work with him in the future. Thanks for all your help.

Mar 22, 2024

“Shelby Monaghan made purchasing our 1st home in Florida so easy. With his professional, polished mannerism, and knowledge, he eased our minds and now we are in our home.”

SHELBY MONAGHAN MADE PURCHASING OUR 1ST HOME IN FLORIDA SO EASY,WITH HIS PROFESSIONAL, POLISHED MANNERISM, AND KNOWLEDGE ,HE EASED OUR MINDS AND NOW WE ARE IN OUR HOME. THANK YOU SHELBY,WE LOVE FLORIDA, YOU ARE SUCH AN ASSET TO YOUR COMPANY ‼️

Mar 21, 2024

“He was very patient and knowledgeable and answered every single question we had. He was promptly available on text, emails and calls.”

We worked with Shelby for our Mortagge. He was very patient and knowledgeable and answered every single question we had. He was promptly available on text, emails and calls. We did not have any hidden fees or surprises at all. I would truly recommend working with him on your mortgage.

Jul 30, 2023

“Shelby was awesome. Helped us through every step with ease. Made home buying stress free. Will recommend him to everyone. Thank you for making this process so easy.”

Shelby was awesome. Helped us through every step with ease. Made home buying stress free. Will recommend him to everyone. Thank you for making this process so easy 💕💕💕💕

Apr 28, 2021

“Shelby and the team at Primary Residential Mortgage were great to work with. All of this created a positive experience during the stress of home buying!”

Shelby and the team at Primary Residential Mortgage were great to work with-responsive, quick to reply to questions, they clearly and frequently communicated with us, and their website was easy to navigate. All of this created a positive experience during the stress of home buying!

“This was the second time we worked with Shelby. You can count on him to find you the best rate and mortgage. He made the buying process seamless.”

Shelby did an excellent job as expected. This was the second time we worked with Shelby and you can count on him to find you the best rate and mortgage for your family. He made the buying process seamless and it’s nice working with the local branch. Thanks again Shelby, we will definitely recommend you to family

“Shelby & his staff were absolutely 'Outstanding' with the homeowners process. They held our hand during the entire journey, and made our 'Dream' come true.”

Shelby & his staff were absolutely "Outstanding" with the homeowners process. They held our hand(myself &my husband)during the entire journey,and made our "Dream" come true.The never made us feel like,they were too busy to answer our questions.This is why,we are so "Excited"about new home purchase,and want everyone to know,we give "Primary Residential Mortgage " a 2 Thumbs up.We will recommend them to all of our friends,and family.

“Shelby honestly made the whole terrifying experience of dealing with getting a loan and paperwork such a breeze. We felt comfortable, confident, and taken care of.”

Shelby honestly made the whole terrifying experience of dealing with getting a loan and paperwork such a breeze. We communicated diligently throughout each step. He was quick with responses at all odd times of days when I had a question or concern. He helped us get a better rate by punching in the numbers and giving us feasible goals to meet. We felt comfortable, confident, and taken care of. I am so grateful to have had his help and services.

“Shelby was professional, knowledgeable, responsive, and consistently communicated throughout the transaction, making the process smooth from start to finish.”

⭐⭐⭐⭐⭐ It was a pleasure working with Shelby Monaghan at Citywide Home Mortgage. Shelby was professional, knowledgeable, responsive, and consistently communicated throughout the transaction, making the process smooth from start to finish. His dedication to exceptional customer service and commitment to helping our mutual clients achieve their homeownership goals was evident every step of the way. I truly appreciated his teamwork, attention to detail, and willingness to go the extra mile. I would gladly recommend Shelby to anyone looking for a trusted mortgage professional and look forward to working with him again in the future! — Ken Williams, Realty Of America | Global Homes Group

“Buying a home is stressful but it was a smooth process thanks to my realtor Angelo & Shelby. … Shelby always kept in touch making sure I had all the documents in order.”

Buying a home is stressful but it was a smooth process thanks to my realtor Angelo & Shelby. I was able to get pre-appoved quick enough to put offers when I needed to. Shelby always kept in touch making sure I had all the documents in order. He was also really good at responding quickly and answering my questions.

“Shelby was great to work with. He was always available to answer our questions and guide us through the process, which was unbelievably fast!”

Shelby was great to work with. He was always available to answer our questions and guide us through the process, which was unbelievably fast! Highly recommended.

“Shelby was all-around fantastic!! I worked with him on my first home purchase and the process could not have been more seamless.”

Shelby was all-around fantastic!! I worked with him on my first home purchase and the process could not have been more seamless. He was knowledgeable and very thorough. When I did some research and started to ask him about different closing options, he was completely open to hearing me out. Moreover, he worked his magic and ended up getting me an even better deal than I had thought possible. I highly recommend him and will 100% use him for my future purchases. Thank you Shelby!!

“Shelby is amazing! Very happy to work my deals with him! On my last transaction, even the title company was impressed with the professionalism!”

Shelby is amazing! Very happy to work my deals with him! On my last transaction, even the title company was impressed with the professionalism! Very happy! And will always be my lender to work with

“Shelby was awesome. Helped us through every step with ease. Made home buying stress free. Will recommend him to everyone. Thank you for making this process so easy 💕💕💕💕”

Shelby was awesome. Helped us through every step with ease. Made home buying stress free. Will recommend him to everyone. Thank you for making this process so easy 💕💕💕💕

“I LOVE working with Shelby! I wish that every lender was as knowledgeable and professional as he is. I will continue to make Shelby my go-to lender!”

I LOVE working with Shelby! I wish that every lender was as knowledgeable and professional as he is. I will continue to make Shelby my go-to lender!

“Shelby did an amazing job! Thank you so much for working so hard, and getting the transaction closed on time!”

Shelby did an amazing job! Thank you so much for working so hard, and getting the transaction closed on time! Your communication was clear and timely throughout the entire process

“I CALLED HIM WHILE HE WAS AT A WEDDING AND HE TOOK THE CALL,TRULY VERY PROFESSIONAL AND HONEST THANKS SHELBY B BLESSED”

I AM A DISABLED ELDERLY MAN WHO NEEDED HIS HAND HELD DURING FINANCING AND SHELBY WAS THERE EVERY STEP OF THE WAT,LOL I EVEN CALLED HIM WHILE HE WAS AT A WEDDING AND HE TOOK THE CALL,TRULY VERY PROFESSIONAL AND HONEST THANKS SHELBY B BLESSED

“Shelby helped us ReFi our existing mortage and equity line into one mortage at a lower rate saving us a few hundred $'s per month.”

Shelby helped us ReFi our existing mortage and equity line into one mortage at a lower rate saving us a few hundred $'s per month. My Wife and I would highly recommend him.

“If you have a question, rest assured that Shelby will have the answer. Day or night Shelby was always responsive to email, phone calls and text messages.”

Shelby to the rescue! My husband and I were trying to buy our dream home and repair our credit. Other lenders refused to work with us or simply gave us the run-around and stopped returning our calls. We were beginning to give up on our dream! We met Shelby through our realtor, Belinda Singh, and together they were able to get us whipped into shape and closed on our dream home last week. If you have a question, rest assured that Shelby will have the answer. Day or night Shelby was always responsive to email, phone calls and text messages. Truly, Rhett and I spent a lot of time with other lenders over the last 6 months and not one of them treated us like a true worthy customer. Shelby made us feel like family! Not only are we in out dream home we are working of a refinance of our rental home. And of course, we are working with Shelby again. I wouldn't have it any other way! Thank you Shelby!!!!!!We highly recommend Shelby for all of your mortgage needs. Sincerely,Rhett and Natalie Carter

“The service I received from Shelby was nothing less than phenomenal. Shelby is truly a genius in the mortgage industry.”

The service I received from Shelby was nothing less than phenomenal. Shelby is truly a genius in the mortgage industry. From start to finish, I had no doubt in my mind that I was going to buy my family's dream home. He did what no other lender would do.... which was help. My credit was in need of a makeover and Shelby didn't turn me away.. He sat me down, explained what I needed to do and 45 days later I was a homeowner. Shelby changes lives.. He is honest, professional and above all his work ethic is very impressive. If you are in need of a home.. Get Shelby on the phone. :)

“From day one, Shelby and Dawn were AMAZING! They both kept in contact with my husband and I about every step of the home buying process.”

From day one, Shelby and Dawn were AMAZING! They both kept in contact with my husband and I about every step of the home buying process. Everyone did their part and contributed time and effort to make this process smooth and painless!!! I could never express how grateful my family is to have done business with a Shelby and Dawn. There aren’t enough stars to give them!! My realator and title company were also very impressed with them! I can’t say thank you enough :) Nathan and Simone D.

“Shelby was sooo helpful to me in more words than I have time to write.He was courteous and patient with me though out this very difficult process.”

Shelby was sooo helpful to me in more words than I have time to write.He was courteous and patient with me though out this very difficult process. I would and have recommended him to others and he stayed with me all the way.He is a definite asset to your company.

“Mr. Monaghan was a pleasure to work with and I would recommend him without hesitation.”

The level of professionalism and the options presented from which I could make a informed decision about a mortgage that could meet my needs. Mr. Monaghan was a pleasure to work with and I would recommend him without hesitation.

“Shelby was incredibly WONDERFUL on taking us by the hand EVERY SINGLE STEP OF THE WAY!!!! Answered every single one of our questions with EXCELLENT CUSTOMER SERVICE!!”

I had a FANTASTIC EXPERIENCE with Shelby and PRMI (Primary Residential Mortgage). Shelby was incredibly WONDERFUL on taking us by the hand EVERY SINGLE STEP OF THE WAY!!!! Answered every single one of our questions with EXCELLENT CUSTOMER SERVICE!! If given the chance again I would not hesitate on working with Shelby . I am eternally GREATFUL with the wonderful job he did with us!!! SHELBY, THANK YOU SO VERY MUCH FOR ALL THE EFFORT AND HARD WORK ON HELPING US OBTAIN OUR FOR EVER HOME!!!