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Jorge I Montoya Morales

Jorge I Montoya Morales

Branch Manager

5370 Kietzke Lane, Suite 101 & 103, Reno, NV 89511
Own what matters
Own what matters

About Me

In today's real estate market it's not enough to just get the job done, but go the extra 10% above and beyond. Without a doubt it is imperative to work with a licensed professional who can clearly lay out the options available to you; and explain the positives and the negatives of the particular program you are applying for. Our industry has gone through and is still currently going through many changes, but you can count on me on staying up to date with relevant changes that may impact our industry.


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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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4.93 out of 5.0 stars
Jun 17, 2024

Jorge you are excellent thank you
Jun 12, 2024

Jorge guided us through the whole process and was a good communicator.
Jun 13, 2024

As a real estate agent, I have had the pleasure of working with many mortgage lenders, but Jorge and his team truly stand out as exceptional. Their commitment to providing top-notch service, coupled with their in-depth industry knowledge, makes them a standout partner in the home-buying process. From the initial pre-approval to the final closing, Jorge Montoya and Team consistently demonstrate professionalism, efficiency, and a genuine dedication to their clients. They excel at keeping all parties informed and engaged, ensuring a smooth and transparent transaction. This level of communication is crucial in real estate, and Jorge and his team master it effortlessly. Their ability to navigate complex financial situations with ease and find the best possible mortgage solutions for clients is unparalleled. I have witnessed firsthand their expertise in securing competitive rates and terms, which is a testament to their strong relationships within the lending industry and their deep understanding of market dynamics. Moreover, The Montoya Team responsiveness and proactive approach are commendable. They are always available to answer questions, provide updates, and address any concerns, no matter how big or small. This dedication to customer service not only alleviates stress for buyers but also streamlines the process for real estate agents like myself. In an industry where timing and precision are everything, The Montoya Team has consistently proven to be a reliable and trustworthy partner. Their attention to detail, coupled with their friendly and approachable demeanor, makes every transaction a positive experience for all involved. I highly recommend Jorge I Montoya Morales to any prospective homebuyers and fellow real estate professionals. Their exceptional service, expertise, and unwavering commitment to client satisfaction make them an invaluable asset in the mortgage lending industry. Working with The Montoya Team means partnering with the best, and I look forward to many more successful transactions together.
Arturo R
Apr 28, 2024

Got qualified quickly to buy a property, nice customer service. Will recommend to friends and family.
maria m
Apr 23, 2024

Thank you to the Guild Mortgage team for making my home purchase a reality. Lulu and Ismael were always helpful, professional and made sure that all the information provided was clear to me. 100% recommended.
Francisco M
Apr 20, 2024

(Translated by Google) Excellent service, very friendly and answers all your questions, recommended (Original) Excelente servicio muy amable y resuelve todas tus dudas recomendado

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NMLS ID #276125
I am authorized to do business in the states of California and Nevada. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141;