A mortgage broker who actually picks up the phone.
Purchase and refinance across Texas. You deal with me, start to finish — in English or Spanish.
No credit pull. No Social Security number. I don't even ask for your phone number.
Who you're dealing with
Gabriel Montelongo
Owner and loan originator · NMLS #1988273
Montel Mortgages LLC is me. I read every one that comes in and I answer it myself, in English or Spanish. I'm in Montgomery and licensed across all of Texas.
Call Gabe(832) 364-7169Who I work with
Buying your first home
Nobody is born knowing what an underwriter looks at. I'll walk you through it in plain words, tell you what you can realistically do, and I won't rush you. In English or Spanish.
Refinancing what you own
Whether it's worth doing depends on your current rate, your equity, and how long you plan to stay. We'll go through the math together before you commit to anything.
Self-employed or paid on a 1099
Working for yourself isn't a problem, it's a paperwork question. The catch is that lenders count what's left after your write-offs, not what your business brings in. Knowing that early changes what you file.
How this goes
Start to finish, so nothing catches you off guard.
- 01
Tell me where you stand
Ten questions, about a minute. No credit pull. No Social Security number.
- 02
I read it and reply
Within one business day. Not a call center — me, in English or Spanish.
- 03
We talk it through
What's realistic, what it would take, and what I'd do first. No pressure and no jargon.
- 04
One document list, one time
If we move forward, I tell you everything I need up front. I don't come back three weeks later asking for more.
- 05
I do the shopping
Your file goes to the lenders — that's my job, not yours. You deal with one person the whole way.
- 06
Pre-approval, then closing
If we get there, you get a letter you can make offers with. After that I handle the lender side and tell you what's next before you have to ask.
You will never be left wondering where your file is. If something changes, you hear it from me first — not from a portal, and not a week later.
The programs
Each one has its own requirements and its own limitations. Here is the short version of each, and we go through the details together.
FHA
A government-insured loan, and a common path for first-time buyers. Credit requirements are generally more flexible than a conventional loan, though what a lender actually asks for depends on your whole file.
Mortgage insurance is required, and on most FHA loans it stays for the life of the loan. The home has to be the one you live in — not a rental, not a second house. Loan limits vary by county.
Conventional
What most people mean when they say “a standard mortgage.” Credit requirements are generally higher than FHA, and the mortgage insurance is not permanent the way it typically is on an FHA loan.
Needs a stronger credit profile than FHA. Mortgage insurance applies until you reach enough equity. Investor overlays vary and are often stricter than the published minimum.
USDA
For homes in eligible rural areas. More of Texas qualifies than people expect, but eligibility is tied to the specific address rather than to an area in general.
Eligibility is decided by the property’s location and by household income limits, not by you alone. Occupancy is required. Both maps and limits change, so a specific address has to be checked.
Investor overlays vary; final eligibility is determined by the lender after full review.
Send me your buyers.
Clean files close fast. Complicated ones get worked instead of dropped. Either way you hear the same thing your client does, in English or Spanish, so you are planning around a date instead of a silence.
Find out where you stand.
About a minute. Nothing gets pulled, nothing gets committed, and you will know your number.
Get started