About Ray Montanez

Ray Montanez NMLS #2091003 is a trusted Loan Consultant who is ready to make your dreams of owning a home a reality. Ray Montanez is committed to providing the community with the very best in customer service, so come speak with New American Funding today and learn how we can help you!

Ray Montanez Reviews

★ ★ ★ ★ ★

5.0 /5.0

Based on 6 reviews

★★★★★

Jesus C. of Kingsville, TX for Ray Montanez

Transaction Completed: 11/27/2021

Ray was amazing. He made a usually stressful thing virtually stress free!! He answered all of our questions and always got back to us in a very timely manner. We were truly blessed to have Ray as our loan consultant.

★★★★★

Sergioluis G. of , for Ray Montanez

Transaction Completed: 10/22/2021

Ray was just amazing. He was really helpful and kind. We were first time home buyer and he guide us with patience and clear information. We are glad we had the opportunity to do business with New American Funding thru Ray.

Refinance Calculator

Calculate your new monthly payment after refinancing.

calculate

Mortgage Calculator

Before you buy a house, calculate how much your payments will be.

get payment

How Much House Can I Afford?

Calculate the maximum home price you could afford.

how much

Amortization Calculator

See your payoff schedule with principal and interest payments.

get payoff

COMPETE WITH CASH BUYERS & WIN!

It's a seller's market, and cash buyers have the advantage, but you can still compete and win. To stay competitive as a homebuyer you need to become a CASH BUYER! That’s where Buyer Accepted, exclusively offered by New American Funding, can help.

Get Started Today

Company Culture

NAF360 is our commitment to 360 degrees of trust and respect.

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

Cash Out Refinance

Turn your home's equity into cash.

VA Loans

No down payment required. Special terms available to veterans and active duty military.

FHA

This mortgage loan allows for 3.5% down payment.

Explore More Options

From the Blog

Fannie Mae, Freddie Mac Increase Loan Limits for Sixth Straight Year

For the sixth year in a row, the maximum conforming loan limits on mortgages to be acquired by Fannie Mae and Freddie Mac is set to increase... Read More

Rising Prices Continue Giving Homeowners More Equity

The financial benefits of owning a home continued to grow in the third quarter, as rising home prices boosted the equity that many homeowner... Read More

Read More Posts

Mission Statement: The New American Dream initiative combines hard work, integrity, a team effort, and continuous learning to increase the rate of Black Homeownership in America. Our purpose is to provide racial equity and build consumer confidence through home buying education, accessibility to credit, and mortgage industry career opportunity awareness to black communities.

We're Committed: At New American Funding, we believe in the power of Black Homeownership. We take great pride in creating opportunities for all communities and are committed to bridging the racial wealth gap. It's why we come to work each day.

Mission Statement: In 2013, New American Funding formed its own Latino Focus Committee. This purpose driven group works cohesively to enhance the quality of the lending experience among Hispanic consumers and aims to enrich the Hispanic community through homeownership. By mirroring the communities, we serve, we are able to increase sustainable Hispanic homeownership across America.