Testimonials

"Monica was highly recommended to us by friends who had just sold their house in Los Osos. Their glowing recommendation of Monica could not have been more right. We put our house on the market at the end of the spring 2022 frenzy and rather than multiple offers and a bidding war on our beautifully updated home, we were faced with a sudden drop in home buyers and sparce interest. We were serious about selling as we were relocating and Monica expertly guided us through this rapidly shifting market, helping us to set the perfect price and finding us the perfect buyers. There were a few hiccups along the way due to problems on our buyer’s contingency sale and although those were not problems in Monica’s scope as our agent, she helped the other agent smooth those hurdles while explaining the situation to us, removing any anxiety we felt. Monica is brilliant, compassionate, enthusiastic and loves the community where she works. She made sure that she was always available to answer our questions and offer wise counsel. We are not at all sure we could have sold our house in that crazy evolving market without Monica – and she made the experience as smooth as it could possibly have been.

We recommend her without any reservation and wish she was an agent for us wherever we are."

Monica was truly outstanding. We have bought several houses over the year's and Monica was by far the most professional and knowledgeable agent we have had the pleasure to deal with. She dedicated herself to meeting and exceeding our expectations. She ensured we had all the necessary information to make accurate decision. She was always very timely with the information. She ensured all the parties were always on the same page. Monica was an attentive and active listener and clearly is an individual of integrity and thus gained out trust. Lastly she was very organized to make sure a complex transaction went through very smoothly. I would highly recommend her. Thank you Monica!

It was our first time selling a home and Monica held our hands through the entire process. She is an excellent communicator, not only in how she explains things but also in her promptness to get things done. Before we put it on the market, she walked through our whole property and made suggestions of changes that needed to be made and what was fine to leave as is. I really appreciate that she also had us do a full inspection first and then full disclosing all items to potential buyers. This made for a really smooth escrow. She helped us stay on top of signatures needed and we even got to close escrow early way above our asking price. Her services are worth every penny!

We are so fortunate that we ended up working with Monica...from start to finish of the (thankfully quick) process, she was amazing in educating us about the area, keeping us aware of houses becoming available and scheduling visits, giving insight on neighborhoods and pros/cons of each home, and then eventually throughout the negotiation process. She truly made the home buying experience, which can be overwhelming, as easy and enjoyable as we could ever imagine. She is such a good listener, so smart and on her game, so ready to help in any way, and continues to go the extra mile to help with each and every part of the process. Even now, after our home has been bought, she still remains an amazing resource and is always responsive. We are so grateful to Monica and recommend her to anyone that wants an amazing agent on their side.

We highly recommend Monica Chudgar as a real estate agent for experienced buyers/sellers as well as the inexperienced like us. We were out-of-state buyers, who hadn't purchased a home in 30 years, with specific needs to be met, all of which created challenges. We were unfamiliar with the market, local appraisers, lenders and repairmen. We had limited time to view properties and take care of the many business items that come with buying a house. Monica did detailed research to resolve our questions and concerns, was always prepared beyond our expectations, worked promptly and thoroughly, and followed up with us as well as the seller's agent to see that everything was in order. She was a conscientious liaison between all those we needed to make the purchase. Monica's integrity was stellar, her knowledge base phenomenal, her past experience as an appraiser invaluable. Her demeanor was always pleasant and respectful. It was obvious to us that she made it a top priority to make sure that we were going to be happy in our purchase of a new home. Monica was invaluable.

We selected Monica to market our property in Los Osos, and it was a great decision! She accurately priced the house and created a simple and effective marketing plan, resulting in a full-price offer and a no-hassle sales experience. Monica is knowledgeable, professional, personable and skilled in negotiating. She is a great communicator, which was especially important to us as out-of-town sellers. I thoroughly enjoyed working with her and give her my highest recommendation.

We met Monica as a referral from another realtor who was helping us sell our existing income property in LA and replace it in Morro Bay through a 1031 exchange. We live in Massachusetts. Monica was superb helping us locate and qualify an appropriate property. She was very conversant in the use of modern technology to "walk" us through any number of properties behind her cell phone, video taping each room, the setting, the outdoors areas, etc. We selected one property and one of us went out to "kick the dirt." That property fell through, but in person we confirmed everything Monica had reported and relayed. When we did locate and enter into escrow on a property Monica was an excellent negotiating partner; advising us when to be accommodating and, very importantly, urging us to ask for more. We asked for more, we got more, the deal did not crater! We had a trying two weeks at the end of escrow since our LA property took its time closing when our Morro Bay seller demanded speed (he was involved in a 1031 as well). Monica was able to finesse our Morro Bay purchase and worked well with our LA agent to expedite its closing. Monica showed her worth in: i) patience, ii) knowledge, iii) creativity, and iv) service. We would heartedly recommend her to any other individual seeking to either buy or sell a home in San Luis Obispo County.

Earlier this year my husband and I moved from Alaska to SLO county for work. We knew with the move, finding a rental was going to be tough and we thought that the real estate market would be even tougher. Lucky for us we had Monica to help us find the perfect house that fit our budget and had us moving in within a month of arriving to the area. As first time home buyers she walked us through the process step by step and always made herself available when we needed her through negotiations. Monica brings a caring and positive outlook to the sometimes daunting process of buying a home. We couldn't and wouldn't have bought our home without Monica's help and now we refer her to all our friends who are looking.

Monica helped us get into our first home- and we absolutely love it! She was a teacher as well as an agent, running us through every aspect of the process. She was patient, empathetic, and when asked gave us honest advice. She never rushed us, and actually urged us to take it slow. She was generous with her time and found us just the right place.


Monica also has a wide range of references for pest inspection, home inspection, etc. that did not disappoint.


Long and short: Monica is the best! We highly recommend her.

I remember walking in to Monica’s listing…we were so set on just using any agent who was selling the house. Monica changed that. It was immediately evident she really knew her stuff. Within ten minutes, without her ever pressuring us, we had made up our mind to stop our one stop shopping, and take advantage of the ease and effort Monica had to offer. She never let us down. After months of looking, and an insistent Monica making sure we were not settling (what kind of realtor convinces you not to buy houses?), we finally found the home that makes us melt when we talk about it. We get gushy, and nostalgic. This is weird, because the house was a complete disaster. I think Monica had to have a total of fifteen contractors come out. She met every single one, sometimes even getting her own shovel out, and never once made us feel like it was out of her job description. Honestly, she made us feel as if it were not a job at all; she was just helping out her friends. I HAVE NEVER had someone I just met WORK SO HARD to help me be successful.


Very few times in life do you meet someone and immediately feel they are there to help you. Monica was the perfect person to guide us through the trials of purchasing a home. When we needed support, she was a rock, when we needed her to fight for us, she was more than willing to put on gloves. Without Monica, I am convinced our home purchase would have never happened. She was always there for us as a realtor and a friend.

When we moved to the San Luis Obispo, we knew absolutely no one in the area. Monica met with us, discussed our hopes and dreams for living in the area, and set our minds at ease. Her attention to detail and seemingly faster-than-humanly-possible responses to our questions made our first property buying experience quick and easy. We've since bought and sold property in SLO all with Monica's help. And if we ever buy or sell again, Monica will be our first (and only) stop. We've come to think of Monica as family -- she puts so much care into the process, smoothing the inevitable real estate bumps along the path and staying by your side every step of the way. Call her and get started on the next chapter of your life. You'll be glad you did.

"My wife and I couldn't be happier with Monica's service. She is a true real estate professional. Monica is on it from beginning to end, handling every detail of the process with ease, confidence and knowledge. She knows the ever changing market and helped us navigate our sale here and coordinate our purchase out of state.


Her manner is comforting and there is no pressure. The process can be stressful but Monica absorbs all of that so we didn't have to. Her only goal was to help us achieve our goal and her genuine concern for her clients shows.


We highly recommend Monica to anyone planning to buy or sell on the Central Coast."

Monica is an expert in her field and absolutely professional and delightful. She helped us navigate all aspects of the sale and connected us with professionals to help us get our property ready. We would recommend her to anyone looking to sell or buy property.

We got our dream house, and Monica made it happen! I'm certain that without her help we would still be hunting for a place to live--having missed out on the perfect home for our family.


We feel so lucky to have worked with Monica. She was there every step of the way to help make this happen. She listened carefully to our needs--which changed quite a bit as we went through the process. She skillfully adapted plans and strategies to make sure we got the right home for us. She dropped everything at a moment's notice when we needed to see the home, and she was on top of EVERYTHING that needed to happen.


This is our first home, and it's just so perfect I think it could be our last. We will always be grateful to Monica for helping us find and purchase this gem.

"Monica was helpful and informative through every step of the process of selling my home. I was states away for the whole sale and I felt completely confident and safe with Monica as my agent. She took care of the contractor, photographer, inspections, escrow, cleaners, etc. She secured a great offer on the home and kept me updated with excellent communication. I'll be working with her again in the future. Highly Recommended."

Monica, Is a real professional in every respect. We have purchased 14 homes over 40 years and she is by far the best Realtor we have worked with. She is very thorough all on time and knows the central coast real estate market very well. In a very competitive sellers market she was able to negotiate a lower price with works tens of thousands of dollars.

Monica is an amazing agent and such a pleasure to work with! She was referred to us by friends and family and we are super happy we went with their recommendation! We felt immediately comfortable with Monica and her level of professionalism is super impressive but we also really appreciated her ability to understand the emotional side to buying a new home. She was always one step ahead of us when it came to finding and suggesting homes and totally worked with us to understand our style and needs. We are pretty organized clients and not once did we have to remind Monica of anything or feel that she wasn't available for us. She was always willing to help us out even with the smallest details. I would recommend Monica to anyone looking for a seamless real estate experience!

When we were looking to move from Southern California to the central coast, we found Monica's name on an internet search for realtors in the area. After just talking with her over the phone, we knew she was a good fit for us, and this was even more apparent after our first meeting. We looked at many houses over the next few months and then we got the call from her that "the one" had come on the market. She was right and with her assistance, we closed the deal quickly and painlessly. We kept in touch and flash forward six years later when we acquired another house, this time out the state, there was no question that we would ask Monica to help us sell our house in Los Osos. She guided us through the sale process via long distance and I don't know if we would have been able to accomplish the task without her. She supplied us with references to contractors and coordinated scheduling to get the house ready for sale. Having known us for several years, she also knew the best way to market our home and helped us negotiate the offers. We agree with everything other reviewers have said about her, especially her being professional yet personable. She has our highest recommendation.

Monica helped us with the purchase of a house. From the start we communicated well. Much of the search for properties had to be done remotely and she was able to do real-time video tours of houses which we had selected. Throughout we found that she was super smart and efficient in coordinating with us, escrow and the selling party. Also she was a firm and ethical negotiator. During the whole process we had some timing issues which she navigated skillfully. We felt we could trust her judgement and experience at all stages in the process. We were also pleased with the inspector and other vendors she recommended. We were very satisfied.

Monica is AMAZING! She is extremely patient, professional, and so easy to communicate with. My husband and I first started to look for a home here in the central coast while we were still living in Portland, OR and she made it so easy and stress free. She always responded to emails and phone calls quickly and never let a question go unanswered. I would highly recommend her to anyone looking to sell or buy a home.

Monica recently assisted my family in the sale of our property in Morro Bay. This involved a complex, estate sale transaction with absentee sellers, and included the need to coordinate with local contractors on our behalf and an extended escrow. From the beginning, Monica presented as an honest, forthright, professional, and extremely capable realtor.


She was very knowledgeable, but also not afraid to conduct further research or seek the assistance of others in her office at those rare times when she did not have the "answer" needed.


Monica is an excellent communicator who kept us informed every step of the way and in a timely manner. In the end, she did whatever it took to make sure the process went smoothly, our interests were represented, and we achieved a satisfactory sale! I would definitely recommend Monica to friends and family who might need the services of a realtor on the Central Coast.

As new parents and home-buyers shopping for "THE" home for our family, we came into the home buying process with lofty goals, a tight budget, and absolutely no free time. With Monica Chudgar assisting us, the process was amazingly pleasant and 100% successful!


When we weren't quite ready to make an offer, she provided valuable resources and helpful information without any pressure to move more quickly. And, when we decided the timing was right for our family to buy a property, she took all the necessary steps to ensure that we purchased the best home at the best possible price.


Monica is a communicative, technically-savvy agent who is constantly prepared for whatever the next step may be. She is also an experienced appraiser with an innate ability to ask the right questions and discover important information. Due to her keen insight and sage advice, we are now living in (and LOVING) our dream home.

As you will hear from anyone associated with Monica, she is an outstanding realtor, going above and beyond our expectations, exceptionally detail-oriented, communicative, honest, and kind without sacrificing business edge. We actually were renting a space in Los Osos and got connected with Monica through the owners. Monica brokered their home and they raved about the professional and personal relationship forged through the buying process. We recently moved here from South Carolina and relied heavily on Monica to guide us to the right home given a tight time constraint and budget. She honed quickly in on the home we wanted, facilitated and sealed a remarkable deal. Somehow she managed to keep us 100% updated throughout the negotiations without missing a beat. Without hesitation, she arranged to meet us on our schedule, met with an inspector at the house when we could not, found answers to questions we didn't even know we had! She's like the Modern Day Agatha Christie of Real Estate. She is undoubtedly the realtor you want to work with to find your home. We cannot even imagine going through the buying process with anyone else. Thanks Monica!

We had no connections in real estate in the SLO area, but feel blessed that Monica Chudgar answered the phone when we made a Sunday morning call asking to look at a property that same day. Not only did she arrange for us to see the property, but she lined up several others so that we could have some comparisons -- within a couple hours! We ended up purchasing the property and found it to be the most seamless real estate purchase we had ever experienced. Monica is professional yet very personable and easy to work with. She is very knowledgeable about the area (we are from out of town) and responsive to any questions. If she didn't know the answer, she would get the answer shortly. Her communication skills were excellent and she was readily available -- answering our calls and emails quickly. Monica was on top of every aspect of our transaction and made this purchase easy. I wouldn't hesitate to use her again and wouldn't even consider looking for a different agent in the SLO area. There is a very good reason that she received Realtor of the Year in 2012!

Copyright 2023 Monica A. Chudgar, Broker, Lotus Central Coast. DRE #: 01502272 Website Created by Tanya Knowles.

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