About May Montana
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.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Monitor your loan status
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Calculators, tools, guides, and advice
Track your home value
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Located at 41 Freelon Street, San Francisco CA, 94107
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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