.jpg/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:1209,h:806)
Innovative Mortgage Solutions
Your mortgage isn't just a loan—it's a powerful tool that can unlock a brighter financial future. Navigating the complex world of lending can feel overwhelming, but I'm here to simplify the process.
I'm not your typical mortgage advisor. I believe in a personalized, proactive approach that goes beyond simply finding the lowest rate. I leverage cutting-edge technology and innovative strategies to help you succeed.
Uncover hidden opportunities. I analyze your unique financial picture to identify customized solutions, including niche loan programs, creative financing options, and strategies to accelerate your wealth building.
Proactively manage your mortgage. My ongoing support extends beyond closing. I provide complimentary annual reviews to anticipate market shifts and proactively adjust your mortgage strategy, maximizing your benefits and minimizing your risks.
Guide you every step of the way. As your trusted advisor, I simplify the process with clear explanations, transparent communication, and a commitment to your long-term financial success.
Schedule a free consultation to explore innovative mortgage solutions tailored to your specific goals.
Your Personalized Real Estate & Mortgage Strategy
Credit Profile
Debt-to-Income Analysis
Down Payment Planning
We'll review your credit score to determine which loan types you qualify for and identify opportunities to strengthen your position.
Down Payment Planning
Debt-to-Income Analysis
Down Payment Planning
Whether you're considering a low- or no-down payment loan, exploring down payment assistance programs, or planning to use gift funds from family or friends, we'll help you navigate your options.
Debt-to-Income Analysis
Debt-to-Income Analysis
Debt-to-Income Analysis
We'll assess whether your monthly income, after existing debt obligations, comfortably supports your mortgage payment and overall financial goals.
Risk Tolerance
Income Projections
Debt-to-Income Analysis
Understanding your comfort level is essential. Do you prefer the stability of a fixed monthly payment, or are you open to other structures based on anticipated income growth?
Timeline & Goals
Income Projections
Income Projections
Your plans matter. Whether you're thinking short-term or long-term, planning to relocate, or hoping to pay off your mortgage ahead of schedule, we'll align your strategy accordingly.
Income Projections
Income Projections
Income Projections
We'll consider both your current earnings and any expected changes to your income in the months and years ahead.
Types of Mortgage Loans
Conventional Loans
Government-backed Loans
Conventional Loans
Best for borrowers with good credit scores.
Jumbo Loans
Government-backed Loans
Conventional Loans
Best for borrowers with good credit looking to buy a more expensive home.
Government-backed Loans
Government-backed Loans
Government-backed Loans
Best for borrowers with lower credit scores and minimal cash for a down payment.
Fixed-rate Mortgages
Adjustable-rate Mortgages
Government-backed Loans
Best for borrowers who’d prefer a predictable, set monthly payment for the duration of the loan.
Adjustable-rate Mortgages
Adjustable-rate Mortgages
Adjustable-rate Mortgages
Best for borrowers who aren’t planning to stay in the home for an extended period, prefer lower payments in the short term or are comfortable with possibly having to pay more in the future.
Refinance Loans
Adjustable-rate Mortgages
Adjustable-rate Mortgages
There are 2 main types of refinance loans for your existing loan.
Interest-only Loans
Non-qualifying Loans
Interest-only Loans
With an interest-only loan, you make interest-only payments for a set period (usually 5, 7 or 10 years) followed by payments for both principal and interest.
Renovation Loans
Non-qualifying Loans
Interest-only Loans
If you want to upgrade your existing home or purchase a home that needs renovation, you have options.
Non-qualifying Loans
Non-qualifying Loans
Non-qualifying Loans
Non-qualifying mortgages or non-QM loans don’t meet certain standards set by the Consumer Financial Protection Bureau, so they offer more lenient credit and income requirements.
Construction Loans
Construction Loans
Non-qualifying Loans
If you want to build a home, a construction loan might be a good choice.
Investor Loans
Construction Loans
Commercial Loans
We work with lenders that offer an extensive array of loan programs specifically for investors.
Commercial Loans
Construction Loans
Commercial Loans
Commercial real estate loans are mortgages secured by a lien on commercial property: office, retail, warehouses, or multifamily with 5+ units.
John Montaño
NMLS# 2173108 BRE# 01860759
(760) 206-6501
Real BRE# 02022092 1420 Kettner Blvd. #100, San Diego, CA 92101
Loan Factory, Inc. NMLS # 320841 2195 Tully Road, San Jose, CA 95122
Copyright © 2026 John Montaño - All Rights Reserved.