JENNIFER MONTEZ
LOAN OFFICER | NMLS #724071
Work: 323-209-6508 | Cell: 949-667-0634
jmontez@figfcu.org
Se Habla Español
Welcome to my website and thank you for choosing me as your trusted advisor and guide for all your mortgage lending needs! I am Jennifer Montez, and I am excited to have the opportunity to serve you.
My career in the real estate industry began in 1997. Throughout this time, it has been my pleasure to help countless individuals, like yourself, navigate the complex world of home financing. Whether you are a first-time buyer in need of down payment assistance or simply looking to secure the perfect loan program/terms, I am dedicated to going above and beyond to help you achieve your home loan goals.
I understand that securing a mortgage can be a daunting task, but rest assured you are in capable hands. From the initial consultation to the final closing, I will be by your side, ensuring that you have all the information and resources necessary to make informed decisions.
So, if you're ready to embark on this exciting journey, please contact me by utilizing the buttons below to get started. Together, we can make your homeownership dreams a reality!
We’re excited to share that, as of March 31, 2025, Community Mortgage Funding has consolidated with Farmers Insurance Federal Credit Union. That means the same trusted team and same great service, now under one unified brand!
RATE QUOTE & PRE-QUALIFICATION
Ready to receive a rate quote or get your
pre-qualification? Click below to get started.
MORTGAGE CALCULATORS
The following online calculators serve as helpful
tools during the mortgage process.
WHAT TO EXPECT
From the very beginning, we’ll collaborate with you to identify the loan that best fits your requirements and assist you throughout the lending process to ensure a seamless and hassle-free experience.
STEP 1
Gather Financials & Get Pre-Approved
Send us your financial details, we'll calculate a customized loan estimate for you, and provide a pre-approval.
STEP 2
Find a Real Estate Agent & Search for Homes
If you don't have a real estate agent, our FIGFCU Home Rewards* offers a 20% real estate commission rebate towards closing costs and outstanding service from a trusted, local real estate agent.
STEP 3
Choose a Home & Make an Offer
As soon as the seller accepts your offer, we'll collaborate with the settlement agent. Ask your real estate agent about ordering a home inspection.
STEP 4
Loan Review
We'll secure your mortgage interest rate, order the property appraisal, and send your information for review by our underwriters.
STEP 5
Conditional Loan Approval
Once our underwriters conditionally approve your loan, we'll get you ready for closing.
STEP 6
Close & Receive Your Funds
The Closing Disclosure will be sent for your review. Next, you'll sign loan closing documents. We will wire the funds to the settlement agent to enable you to finish your home purchase.
STEP 1
Loan Application
Complete a loan application online, we'll calculate a customized loan estimate for you, and provide a pre-qualification. Gather and send us the necessary financial details.
STEP 2
Appraisal
We'll request an appraisal of your property to determine its current value, secure your mortgage interest rate, and send your information for review by our underwriters.
STEP 3
Conditional Loan Approval
Once our underwriters conditionally approve your loan, we'll get you ready for closing.
STEP 4
Close & Receive Your Funds
The Closing Disclosure will be sent for your review. Next, you'll sign loan closing documents. We will wire the funds to the settlement agent to disburse any payoffs and remaining proceeds to you.
TESTIMONIALS
I loved working with Jennifer and Elaine. They are professional, communicative, and very supportive every step of the way. I felt that they truly cared about me and my best interest and made this process as efficient, effective, and painless as possible. – Elmer R.
Jennifer and Elaine were INCREDIBLY helpful in my refinance. The communication was excellent; their professionalism and their ability to "find a way" made all the difference in getting this loan accomplished. I HIGHLY recommend Jennifer and Elaine. Thank you! - Steve P.
I loved working with Jennifer and Elaine. They've been working on loans/refinances for me for several years and they are always on top of things, personable, knowledgeable and responsive. Jill J.