May Montana
VP of Mortgage Lending
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.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"The process was smooth and clear and May was a real partner"
Virginia R. - Albany CA | Mar 2022
"May Montana - as well as Justin and the processing team - were stellar. I'd send all of my friends and family to May without hesitation."
Micah B. - Champaign IL | Nov 2021
"May Montana. May Montana's understanding of the human condition along with her knowledge of the mortgage business process puts her at the pinnacle of Customer Service. May is someone I would go out of my way to hire, if only she worked in my line of business."
Anthony G. - South San Francisco CA | Nov 2021
"May was extremely helpful throughout the whole process."
Julian R. - Oakland CA | Sep 2021
"excellent service and ease of use"
Sylvestre M. - Oakland CA | Sep 2021
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Areas served
- California
- Oregon
- Texas
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.