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Lina Montoya

Loan Officer

NMLS#: 1190132

About Lina Montoya

With over 20 years of experience in mortgage lending, I specialize in guiding families, first-time homebuyers, and investors through every step of the home financing process. My passion is helping others achieve their real estate goals — helping clients feel confident, supported, and informed from pre-qualification to closing.

My clients know me for being approachable, detail-oriented, and committed to creating smooth, step-by-step guidance that makes the process simple and achievable.

Whether you’re buying your first home, upgrading, or building your investment portfolio, I’m here to ensure you have the knowledge, resources, and support you need to move forward with peace of mind.

All-in-One Solution

Our Loan Process.

PRE-APPROVAL

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

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

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

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

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

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