Autumn maple trees lining a residential street

Bloomington · Bedford · Ellettsville

Find Your Place in Southern Indiana

Your bilingual Realtor and Mortgage Advisor in Bloomington, Indiana. Helping buyers and relocating families explore homes and financing options, while also helping homeowners evaluate refinancing opportunities.

Explore Homes Financing & Refinancing Meet Monica
  • LanguagesEnglish & Spanish
  • First-Time BuyersStep by Step
  • RelocatingFamilies & Movers
  • FinancingRealtor & Mortgage Advisor

Monroe County  ·  Lawrence County  ·  South-Central Indiana

Start Here

Three Ways to Begin

Buying your first home, selling the one you have, or still deciding where you want to be? Pick the door that fits and go from there.

A suburban home with a garage and green landscaping Buying a Home Search active listings across Bloomington, Bedford and Ellettsville, or walk through the buying process one step at a time. Browse Listings A white wooden house behind a white fence Selling a Home See what your home is worth in today's market, and what to expect from pricing through the closing table. Home Valuation Aerial view of a Midwest neighborhood Exploring the Area Compare the three towns Monica works in, county by county, before you decide where to look. Community Guides

Meet Monica

A Local Guide for Your Next Chapter

Monica is a bilingual Realtor, working with clients in both English and Spanish. It matters most at the moments that are hardest to follow — the offer, the inspection, the paperwork at closing. She walks you through each one in the language you are most comfortable with, so nothing important gets lost along the way.

Monica Proenza works with first-time buyers, relocating families and investors across Bloomington, Bedford and Ellettsville. She knows these three communities as neighbors and as markets — and she shares what she knows, plainly.

Buying a home is a milestone, not a transaction. Monica walks through each step with you in order: what to look at, what to ask, what comes next. She answers in English or in Spanish, whichever feels more comfortable for you and your family.

She is also a licensed mortgage advisor, not only a Realtor — which means the conversation does not stop at which house. With access to a variety of loan programs, Monica can help buyers understand their financing options before they fall in love with a listing, and help homeowners who already have a mortgage find out whether refinancing makes sense right now.

Monica Proenza

Bilingual REALTOR & MORTGAGE ADVISOR · eXp Realty

Get to Know Monica
  • ServingBloomington · Bedford · Ellettsville
  • LanguagesEnglish & Spanish · Se habla español
  • FinancingMortgage Advisor · NMLS #2485041
Monica Proenza, bilingual Realtor and Mortgage Advisor with eXp Realty in Bloomington, Indiana Bilingual REALTOR English · Español

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Financing

The House and the Financing, Together

Monica is a licensed mortgage advisor as well as a Realtor, with access to a variety of loan programs. That means the conversation does not stop at which house — it can cover how you will pay for it, too.

  • Loan ProgramsConventional, FHA and VA options matched to what you qualify for.
  • RefinancingA fresh look at your current rate, term and payment.
  • One ConversationThe same person from first question to closing table.
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How I Help

Straightforward Help, Start to Finish

Whether it is your first purchase, a move across the country, or a property you plan to hold, the process works better when someone local explains it in plain language.

01

Buying a Home

From the first search to the closing table, you get a clear sequence of steps, honest answers about what you are looking at, and someone who will tell you when a house is not the right one. Pre-approval, showings, offers, inspections and closing, handled without the guesswork.

Start Your Home Search
02

Relocating to Indiana

Moving to a new state means choosing more than a house. I help you compare Bloomington, Bedford and Ellettsville on the things that actually shape daily life, then plan a visit that answers your questions in one trip.

Relocation Resources
03

Investment Properties

If you are considering a rental or a long-term hold, we start with what you want the property to do. Then we search inventory that fits, and you review numbers with the lender, accountant and inspector who know your situation.

Investment Guidance
04

Second Homes

Southern Indiana draws people back for the lakes, the trails and the slower weekends. We look at what you want from a second property, what it takes to maintain, and where it makes sense to look.

Second Home Search

Where I Work

Communities I Serve

Bloomington is my primary market. I also work with buyers and sellers throughout the surrounding communities in Monroe, Lawrence, Morgan, Greene and Owen counties — so if you are looking outside the city limits, you are still covered.

Rolling green hills outside Bloomington, Indiana Primary Market · Monroe County

Bloomington, Indiana

A college town that behaves like a small city: Indiana University on one side, a walkable downtown square on the other, and older tree-lined neighborhoods in between. Bloomington draws buyers who want culture, dining and a steady rental market within a few minutes of home.

Explore Bloomington Homes for Sale
Quiet residential street with mature trees in a southern Indiana town Lawrence County

Bedford, Indiana

Bedford is a limestone town — the stone in its downtown buildings came out of the ground nearby, and the quarries still shape the local economy. Buyers come here for more house and more land per dollar, a genuinely small-town pace, and an easy drive north to Bloomington.

Explore Bedford Homes for Sale
Houses on a wooded hillside in autumn near Ellettsville, Indiana Monroe County

Ellettsville, Indiana

A smaller Monroe County town just up the road from Bloomington, with a main street, established neighborhoods, and quicker access to the countryside. It suits buyers who want Bloomington's conveniences without living in the middle of them.

Explore Ellettsville Homes for Sale

Also serving across five counties

Not sure whether your town is in range? Ask me — if it is in south-central Indiana, the answer is usually yes.

Why Monica

A More Personal Real Estate Experience

You are not a lead in a pipeline, and you should never feel like one. Expect a direct line, a straight answer, and a plan you actually understand.

“I would rather tell you the truth about a house than sell you the wrong one.”

Start a Conversation →
  • 01

    Clear Communication

    Calls and messages get answered, timelines get explained, and you always know what is happening next and who is responsible for it.

  • 02

    Local Market Knowledge

    Bloomington, Bedford and Ellettsville are three different markets. What is normal in one block is unusual three miles away, and that context changes what you offer.

  • 03

    Bilingual Guidance

    Contracts and disclosures are written in a second language for many buyers. Monica can explain the whole process in Spanish so nothing important gets lost in translation.

  • 04

    Personal Attention

    You work with Monica from the first showing to the closing table, not a rotating team or an assistant you have never met.

  • 05

    Transparency Throughout

    Costs, contingencies, inspection findings and negotiation trade-offs are laid out before you decide — including the parts that are not in anyone's favor.

A residential street in Bloomington, Indiana, lined with trees in autumn colour

Relocating

Moving to the Bloomington Area?

Most buyers who relocate here start with a list of houses and a weekend. That works better in the other order. Before we tour anything, we map out what your week actually looks like — where you work, how you get there, what you want within walking distance — and let that narrow the three towns down.

  • 01

    Talk through the trade-offs between Bloomington, Bedford and Ellettsville before you travel.

  • 02

    Build a showing route that covers the neighborhoods you are serious about in one visit.

  • 03

    Keep the same guidance through inspection, financing and closing once you are under contract.

Explore Relocation Resources

English & Español

Let's Find Home, Together

Buying a home in a new country — or a new state — is easier when someone explains every document, deadline and decision in the language you think in. Monica works with Spanish-speaking buyers and sellers across Monroe and Lawrence County, from the first conversation to the closing table.

¿Buscas comprar una casa en Bloomington, Bedford o Ellettsville? Estoy aquí para ayudarte a entender cada paso del proceso, en inglés o en español. Te acompaño desde la búsqueda de propiedades y la aprobación de financiamiento hasta la inspección y el cierre, explicando todo con claridad y sin presión.

Hablemos en Español (812) 558-6941

MY BLOGS

feature image of Moving to Bloomington, Indiana? 8 Things to Know Before Making the Move
Moving to Bloomington, Indiana? 8 Things to Know Before Making the Move
Thinking about moving to Bloomington, Indiana? Whether you're relocating for work, a change of scenery, or simply looking for a place that better fits your lifestyle, moving somewhere new is always a big decision. And while finding the right house is important, getting to know the community around i
feature image of Buying Your First Home in Bloomington, Indiana? 7 Things You Should Know Before Getting Started
Buying Your First Home in Bloomington, Indiana? 7 Things You Should Know Before Getting Started
Buying your first home is exciting, but I'll be the first to tell you that it can also come with a lot of questions. How much money do you really need to save? Should you talk to a lender before looking at houses? How do you know when you've found the right one? If you've been asking yourself these
feature image of Bloomington, Bedford, or Ellettsville? Finding the Right Place to Call Home in Southern Indiana
Bloomington, Bedford, or Ellettsville? Finding the Right Place to Call Home in Southern Indiana
Finding a home is about more than the number of bedrooms or the size of the backyard. It's about finding a place where your everyday life feels right. If you're thinking about buying a home in Southern Indiana, you've probably come across Bloomington, Bedford, and Ellettsville. While these communiti
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Next Step

Your Next Move Starts With a Conversation

Whether you are just getting started or ready to explore your options, Monica is here to help you move forward with clarity and confidence.

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Monica Proenza · eXp Realty · Equal Housing Opportunity