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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
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
Apr 15, 2024

Jorge Montoya, is quick and effective with responses, and he also makes sure you feel comfortable with any and all questions you have. I highly recommend Jorge and his team!
Judy E
Apr 13, 2024

Jorge Montoya is very knowledgeable and always available. He allowed me to see different variations of what my loan would be as often as I wanted. Jorge has a great team, Lulu and Debbie kept me updated on the loan process and made it easy to submit paperwork via email and text.
Apr 09, 2024

Jorge helped my husband and I buy our first home. Jorege was very helpful, polite and made the whole process very easy. Jorge answered all of our questions and was always there when we needed him we are very grateful for his help throughout everything.

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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;