Claire Montang - Miss Mortgage Loans

Claire Montang - Miss Mortgage Loans Claire is 5-Star, Loan Officer servicing her hometown Florida Keys community.

Whether you’re buying a single family home in Tavernier, a condo-tel in Marathon, or Jumbo property in Ocean Reef, she has done it all!
☎️ 305.916.8485 | NMLS #1658906 | NAF #6606

The Florida Keys will always be home — and the heart of my business. 🌴🏡💗But over the years, I’ve had more and more of my...
09/08/2026

The Florida Keys will always be home — and the heart of my business. 🌴🏡💗

But over the years, I’ve had more and more of my Keys clients and investors purchasing properties outside of Florida, and I’ve seen a huge opportunity to keep helping them wherever their investments take them.

So… Connecticut is officially on the map! ✨

While I already have the ability to help clients with mortgage financing nationwide, I’m excited to now be officially licensed in CT and continue expanding the Miss Mortgage Loans footprint.

My goal isn’t to move away from being your local Florida Keys lender — it’s the opposite. I want to be the lender you can keep calling when you buy the next property, the investment property, the second home, or the one halfway across the country. 🤝

From the Florida Keys to Connecticut and beyond — I’m here for it. 💕

💁‍♀️Claire Montang
Miss Mortgage Loans
☎️: (305)-916-8485
👩‍💻: www.MissMortgageLoans.com
📧: [email protected]




09/08/2026

🏡 CLOSED IN SOUTH CAROLINA! ✨

This one has a little backstory…

We originally started working together on a 1031 exchange investment purchase here in the Florida Keys 🌴. When the property she needed to sell didn’t sell, we stepped out of the market for a few weeks and put that plan on hold.

Then she called me with a completely different need: “I need to buy a home for my daughter in South Carolina… can you help?”

Ummm… OF COURSE. I’m nationwide, baby!

We pivoted, put together a new financing strategy and BOOM — CLOSED! 🔑🏡

And the best part? This relationship isn’t ending at the closing table. When the time is right, we’ll work on refinancing this home into her daughter’s name — AND I’ll be ready when we circle back to that 1031 exchange here in the Keys. 🌴

Different state. Different goal. Same lender.
💁‍♀️Claire Montang
Miss Mortgage Loans
☎️: (305)-916-8485
👩‍💻: www.MissMortgageLoans.com
📧: [email protected]

09/08/2026

700+ new faces since Friday 🥹🤍 I figured it was time to officially say hi!

I’m Claire — a lifelong Florida Keys local, mortgage lender, and the face behind Miss Mortgage Loans 🏡🌴

I help buyers, homeowners, and investors with everything from conventional, FHA, VA & jumbo loans to investment properties, DSCR, Non-QM, self-employed borrowers, second homes, refinances, and those “out-of-the-box” scenarios that need a little extra creativity.

I’m based right here in the Florida Keys, but I can help with financing nationwide. Whether you’re buying your first home, your dream home, a vacation property, or your next investment — I’m always happy to be a resource.

Thank you SO much to everyone who has followed, shared, commented, or sent my page to someone. I’m so excited to have you here. 🤍

📍 Florida Keys local
🏦 Mortgage Loan Officer
🌎 Nationwide lending
📲 DM me anytime
💻 MissMortgageLoans.com

09/05/2026

If you’re house hunting in Key Largo today, this is your sign!

There are THREE open houses happening today in Silver Shores, so you can tour all three, compare your options, and find the one that feels like home.

And if you fall in love with one — call me.

I can help you review financing options, monthly payments, down payment scenarios, and get you pre-approved.

I’m local to the Florida Keys, and I’m here to help you go from open house to CLOSED HOUSE.

DM Miss Mortgage Loans for your numbers!

💁‍♀️Claire Montang
Miss Mortgage Loans
☎️: (305)-916-8485
👩‍💻: www.MissMortgageLoans.com
📧: [email protected]




09/04/2026

🚨 BIG FANNIE MAE UPDATE for departing residences! 🏡➡️🏡

Mortgage guidelines are always changing — and this is exactly why having a loan officer who stays on top of the details matters. 💗📚

Effective with Fannie Mae’s 9/2/26 update, there are new rules surrounding rental income when a borrower is converting their current primary residence into a rental while purchasing a new home.

✨ What changed?
• Lease agreements are no longer permitted to establish rental income on a departing residence.
• Market rent can instead be supported through an appraisal with market rents, Form 1007, or qualifying market-rent analysis using comparable rentals.
• We still use 75% of the gross market rent and compare that against the property’s PITIA.
• If there’s positive cash flow, it can offset the departing residence payment, but the excess cannot be added as additional qualifying income.
• If there’s a loss, that negative amount must be included in the borrower’s DTI.
• Borrowers with less than 12 months of property-management experience may also need 6 months of reserves for the departing residence PITIA.

Translation? 👇
If you’re thinking about keeping your current home as a rental instead of selling it when you buy your next home, your mortgage strategy matters more than ever.

This is the stuff happening behind the scenes while I’m sitting under my pink sign. 💕😂

Guidelines change. Strategy changes. I stay on top of both.

📲 Buying, refinancing, investing, or wondering how keeping your current home could affect your buying power? Let’s run the numbers.

Miss Mortgage Loans 💗🏡
Your local mortgage girl for the straightforward deals AND the complicated ones.

August Million Dollar Club! and it's all because of YOU. Every closed loan, every family handed the keys, every "yes" to...
09/04/2026

August Million Dollar Club! and it's all because of YOU. Every closed loan, every family handed the keys, every "yes" to a new beginning… that's what this milestone is made of. Thank you for trusting me and for letting me be part of your homebuying journey. Let's keep making homeownership happen. 🏡✨

Thinking about a home improvement project or a major expense? A Home Equity Line of Credit, or HELOC, may allow eligible...
09/03/2026

Thinking about a home improvement project or a major expense? A Home Equity Line of Credit, or HELOC, may allow eligible homeowners to borrow against their home’s equity when they need it.

Unlike a traditional loan, you may have the flexibility to borrow what you need, when you need it. 🏡

Ready to explore your options? Let’s connect! 📲

Okay wait… this made me way too excited 😂📍💗I can officially tag my own office as a location on Instagram now!!!Such a sm...
09/02/2026

Okay wait… this made me way too excited 😂📍💗

I can officially tag my own office as a location on Instagram now!!!

Such a small thing, but seeing Claire Montang - Miss Mortgage Loans pop up as an actual location feels like such a cool little business milestone 🥹

💁‍♀️Claire Montang
Miss Mortgage Loans
☎️: (305)-916-8485
👩‍💻: www.MissMortgageLoans.com
📧: [email protected]




Thank you for the trust and for letting me part of your homebuying journey.
09/01/2026

Thank you for the trust and for letting me part of your homebuying journey.

One mortgage strategy does not fit every homebuyer. This is my opinion, but a 6% mortgage rate on a home you can comfort...
08/31/2026

One mortgage strategy does not fit every homebuyer.

This is my opinion, but a 6% mortgage rate on a home you can comfortably afford may be a better fit than a lower rate on a home that stretches your budget. 💡

Your home purchase should be based on your full financial picture, monthly comfort level, and long-term goals, not just one number.

📲 Want to explore what your mortgage options could look like? Let’s connect and talk through your homebuying goals!

Address

92300 Overseas Highway Suite 304
Tavernier, FL
33070

Telephone

+13059168485

Website

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