Ron Montoya
With over 25 years of experience in mortgage lending, I am dedicated to helping clients achieve their homeownership and financial goals. I specialize in FHA, VA, USDA, Conventional, Jumbo, and Investment Property loans, offering personalized solutions for both home purchases and refinances. Whether you're a first-time homebuyer, seasoned investor, or looking to refinance, I'm committed to making the mortgage process as smooth and stress-free as possible. Contact me today to explore your options!
The loan process, step by step.
- 01PRE-APPROVAL
A loan pre-approval sets you up for a smooth home buying experience.
- 02SHOP
Start working with a real estate agent and viewing homes.
- 03LOAN APPLICATION
A few documents are needed to get a loan file through underwriting.
- 04LOAN PROCESSING
Assemble all the necessary paperwork and details for the underwriter.
- 05UNDERWRITING
They closely evaluate all the documentation in the loan package.
- 06CLOSING
Documents are drawn and sent to the title company for closing.