May Montana

VP of Mortgage Lending
636 Fourth St, San Francisco, CA 94107
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NMLS: 239533
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May Montana and her team were very helpful in explaining things to me. I was very new to the home buy process and May and her team made it very easy for me to understand what was going on and what needed to be done. I highly recommend Guaranteed Rate.

Dylan F. | May 2018

May Montana was my broker in 2013 when I refinanced, and she was excellent so I called upon her again. May gets the job done with the best possible outcome.

Cynthia G C. - San Francisco, CA | JUL 2016

About May

Providing extraordinary service is simply the standard.

With over 23 years experience in banking and lending services, I help my clients navigate a complex mortgage market by providing education on current products and working as a team with Realtors and escrow agents. Troubleshooting loan scenarios, property hurdles and credit issues has always been one of my strengths. Understanding guidelines is the foundation for getting loans closed in a timely manner.

I have been a property owner in Oakland and San Francisco since 1998 and experienced the housing market volatility. I have been the trusted lender on several new Condo developments. Although my specialty is Condos, live/work and 1-4 unit financing, I also help first time buyers through the wide range of down payment assistance programs and grants including FHA 203k, CalHFA, and SF/Oakland city down payment programs.

May interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Listening to my clients is first and foremost. Sometimes a new client will ask me for a 30 year fixed, but I like to learn about their goals. How long they expect to live in the property so I am outlining today's best option and potential future options
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry is constantly changing, but more importantly the housing market in San Francisco is astronomical. A 1 bedroom apartment is now on average a whopping $3770 per month according to Rent Jungle stats for February 2016. Although rents and housing prices may ease, obtaining a mortgage may be easier than finding a rental. Please ask me how.
What part of the home loan process do customers find most difficult and how do you help them through it?
Each home buyer is an individual. Buyers don't really know behind the scenes the complexity of pricing loans for various Fico scores, down payment and property types. First step in every loan is understanding the buyers goals, then educating them on the various mortgage options, escrow process and costs associated with the loan. I help demystify the process so every client is confident when they go to the signing table.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
As a paddler in an Alameda Dragon Boat team, I've learned how 18 paddlers can win races by working together. Sometimes it's longer harder strides that win over faster pace. Closing mortgages requires team work to make the dream work!
Tell us something that makes you unique or something wacky, yet interesting about you?
I love to ride my bike. Commuting from Oakland to San Francisco and back on bike allows me to be on the streets to see the changes in both cities. Riding my bike to the farmer's market is a weekly treat. If I miss Spash Pad park on Saturday, I might be at Jack London on Sunday

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