NMLS #2518287
Ron Montoya
Loan Officer

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!

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From quote to keys

The loan process, step by step.

  1. 01
    PRE-APPROVAL

    A loan pre-approval sets you up for a smooth home buying experience.

  2. 02
    SHOP

    Start working with a real estate agent and viewing homes.

  3. 03
    LOAN APPLICATION

    A few documents are needed to get a loan file through underwriting.

  4. 04
    LOAN PROCESSING

    Assemble all the necessary paperwork and details for the underwriter.

  5. 05
    UNDERWRITING

    They closely evaluate all the documentation in the loan package.

  6. 06
    CLOSING

    Documents are drawn and sent to the title company for closing.