Jason Montoya "The Mortgage Jay" - nmls 234611

06/02/2026

4.66 star review received on Experience.com for Jason Montoya by Maureen A A - Communication was great.

Click to see all 157 reviews of Jason Montoya, Loan Officer | NMLS # 234611

06/01/2026

5.0 star review received on Experience.com for Jason Montoya by Bradley E - We have worked with Jason on multiple occasions. Jason always guides us through the process with amazing communication at every step.

Click to see all 156 reviews of Jason Montoya, Loan Officer | NMLS # 234611

05/30/2026

5.0 star review received on Experience.com for Jason Montoya by Kelly E - This is the 3rd time we have used Jason! He is excellent throughout the whole loan process with little to no stress.

Click to see all 155 reviews of Jason Montoya, Loan Officer | NMLS # 234611

05/28/2026

5.0 star review received on Experience.com for Jason Montoya by Emily E M - Jason was very communicative and responsive. He was always quick to answer questions, explain things and made this experience quick and easy!

Click to see all 154 reviews of Jason Montoya, Loan Officer | NMLS # 234611

05/26/2026

5.0 star review received on Experience.com for Jason Montoya by Michael B - He did what he said he was going to do. Got it done!

Click to see all 153 reviews of Jason Montoya, Loan Officer | NMLS # 234611

05/21/2026

Call me at 619-606-5626 to see how I can help you too.

Thankful for my client who trusted me to close their home loan in less than 14 days. We got it done 💪 Possibility is power 🏡

Call me at 619-606-LOAN (5626)

04/18/2026

5.0 star review received on Experience.com for Jason Montoya by Dennis F - Jason was on top of eveything and kept me informed every step of the way. Thank you

Click to see all 151 reviews of Jason Montoya, Loan Officer | NMLS # 234611

04/17/2026

5.0 star review received on Experience.com for Jason Montoya by Ty S W - Knowledge of lending process and ability to answer my plethora of questions

Click to see all 150 reviews of Jason Montoya, Loan Officer | NMLS # 234611

04/15/2026

Two years. That's how long we worked together before the right opportunity came along.

When we first connected, it wasn’t a financing issue—it was finding the right home at the right price that fit his budget, but I told him—stay ready, and when the time comes, we'll make it happen.

That time came. 2-bedroom condo. Perfect setup to bring in a roommate and offset costs for his budget. Parents stepped in as non-occupant co-borrowers to bridge the gap in qualifying.
I secured AMI rate relief to keep his rate and payment competitive.

But here's where strategy won the deal:

✅ Fully underwritten—not just pre-approved. Sellers treated it like cash.
✅ Waived appraisal AND loan contingencies
✅ Structured down payment just over 20% to help trigger an appraisal waiver

$534,000 | PURCHASE
$426,612 | FUNDED

Patience, Planning, Ex*****on.

If you've been told "not yet"—maybe you just need someone willing to figure it out.

Ask me any questions👂

04/14/2026

First-time homebuyer. $650K purchase. -Funded-

The problem: Borrower only could qualify so much on thier own with the funds they had on hand. Not enough to qualify for a 650k purchase.

Here's what made this possible: $40,000 down payment assistance + $10,000 closing cost grant
through the San Diego Housing Commission. This augmented what they had on their own to make the loan amount fit their qualifications.

A lot of first-time buyers think they need 20% down and perfect credit to buy a home. They don't. Programs like this exist specifically to help qualified buyers get into homeownership.
I knew this buyer qualified. I walked them through the application. We secured $50K in assistance that made this deal happen.That's what experienced problem-solving looks like. If you're a first-time buyer in San Diego and think homeownership is out of reach, let's talk. There are programs you probably don't know about.

MSG me with any questions 🤝