MONTEBELLO

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #2373413+ Years ExperienceLicensed Nationwide
    437+
    Loans Closed
    3+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Gabriel Garza

    Branch Manager

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    Anne Marie Vilagut

    Loan Officer

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    Ashley Victoria Garza

    Loan Officer

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    Beatriz Smith

    Loan Officer

    Iliana Aguilar

    Loan Officer

    Maria Rosa

    Loan Officer

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    Modesta Gonzalez

    Loan Officer

    Robert Rosa

    Loan Officer

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    Rufina Guinto

    Loan Officer

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 611 families & counting

    ★★★★★4.9611 verified reviews
    "
    Ashley is exceptional professional, courteous, and detailed oriented. She up and beyond to make sure everything was attended to . Making sure that every step of the way everything was explained, and reassuring me every step was taken care of. It was an honor, and privilege to have had Ashley help me threw this process. Thank you from Raza, Morales Family
    Elizabeth R.
    Ontario, CA · via Ashley Victoria Garza
    September 2026
    "
    I was a first time home buyer back in 2009 when I had the good fortune to meet Bob Smith. Keep in my mind this was just after the housing crash and mortgage companies were closing left and right. I found my dream home and I was introduced to Bob by a mutual friend. Buying a home during that time was a very stressful experience to say the least. Not only did Bob take care of all the paperwork, but he was constantly in communication with me during the whole process to ease my nerves right up to the closing. I didn't just walk away with a new home back in 2009, I walked away with a good friend. I recommend Bob Smith to everyone I know!!
    robertdneal
    via Beatriz Smith
    July 2014
    "
    Gabriel was available at any time of the day and was very responsive. It was greatly appreciated.
    Steven M.
    La Mirada, CA · via Gabriel Garza
    July 2026
    “
    Iliana made us feel like we were her number one priority throughout the entire home-buying process. She stayed on top of every detail, kept us informed every step of the way, and made sure we always understood what was needed and what came next. Her genuine care, professionalism, and sincerity made us feel like family rather than just clients. We truly appreciate all of her hard work, dedication, and support, and we’re incredibly grateful for everything she has done for us.
    Manuel Rafael L.
    Jurupa Valley, CA · via Iliana Aguilar
    August 2026
    “
    Maria went above and beyond to achieve the best results for us.
    Luis Alejandro C.
    Rancho Mission Viejo, CA · via Maria Rosa
    September 2026
    “
    Because Marta was very helpfully, and expend my everything very good
    ANDRELAY R.
    Lehigh Acres, FL · via Modesta Garcia
    January 2022
    “
    Rufina is very informative and quick to answer any questions that we had. She is very knowledgeable and very nice.
    Sean Lee M.
    Carson, CA · via Rufina Guinto
    September 2026
    “
    Ashley was so communicative and went above and beyond to help us get this done as quickly and easily as possible! She happily answered every single question we had and reassured us throughout the whole process. Thank you so much!!
    Makenna Elise K.
    Wailuku, HI · via Ashley Victoria Garza
    July 2026
    “
    They were always available for me to solved any concerns, doubts or questions, no matter the time. They were there almost 24 hours a day,, even though they were at home, they were always working, and ready to receive me.
    Oscar Isaias M.
    San Bernardino, CA · via Gabriel Garza
    July 2026
    “
    She made the whole process so smooth. We didn't feel any pressure or stress closing on our home. The communication was great, she replied to all our emails and messages right away.
    Victoria M.
    Jurupa Valley, CA · via Iliana Aguilar
    August 2026
    “
    Hi. Fue genail porque en todo momento ella se puso en mi lugar para poder obtener el éxito, no veo como que era su trabajo, lo hizo con amor propio y como si fuera para ella, además de excelente profesionalismo y deseos de lograr el objetivo en el menor tiempo posible. Realmente superó mis expectativas y pude notar que ella como persona y su trabajo debe ser reconocido, pues logró lo que muchos con su misma posición no pudieron. Realmente mis mas sinceras felicitaciones por su excelente labor. Dios siga bendiciéndo y dando buenos frutos ayudando a mas familias a ser propietarios, felices y realizados en esta hermosa nación.
    Etni R.
    Long Beach, CA · via Maria Rosa
    August 2026
    “
    Super trato bien trabajo profesional en general ext
    Evelio G.
    Naples, FL · via Modesta Garcia
    December 2021
    “
    Rufina has great people skills. She listened to all of our concerns and followed through until we were totall ysatisfied with the outcome.
    Arturo S.
    Apple Valley, CA · via Rufina Guinto
    August 2026
    “
    Ashley was available and responsive to all our concerns and questions. She took the time to talk us through the entire process. She made us feel comfortable and confident. A wonderful guide for first time homebuyers like ourselves.
    Alexander D.
    Lahaina, HI · via Ashley Victoria Garza
    June 2026
    “
    Gabriel exelente , tiene paciencia con Los clientes pero muy ocupado ayuda mucho te explica bien todo te busca de en contrar q lo q el cliente nececite sea lo mejor y lo correcto si el cliente no tiene tiempo de llebar documentos a oficina donde trabaja Gabrien el ba ala direcion q el cliente le diga para q el cliente este sastifecho una gran persona en lo personal y en Trabajo le doy 10 de 10 en todos Los centidos muchas gracias señor Gabriel atte Melvin y Elda 07/25/2026
    Melvin C.
    Bellflower, CA · via Gabriel Garza
    July 2026
    “
    What made our experience great was Maria's responsiveness, clear communication, and willingness to answer all of our questions. She made the loan process smooth from start to finish, and we truly appreciate all of her help.
    Klarissa Celeste B.
    Rosamond, CA · via Maria Rosa
    July 2026
    “
    She is the best realtor in the world I love her so much thank you Ms Martha for all your help
    Bernadette P.
    Naples, FL · via Modesta Garcia
    September 2021
    “
    She went above and beyond throughout our entire home-buying process. She is truly a ray of sunshine, and I am incredibly grateful for her service, patience, commitment and kindness. I would absolutely love to work with her again in the future and would highly recommend her to anyone.
    Maricor dela Cruz
    via Rufina Guinto
    June 2026
    “
    We had a truly great experience working with our loan officer Ashley Garza. From start to finish, she was very professional, responsive, and incredibly knowledgeable. she took the time to clearly explain every step of the process, answered all of our questions promptly, and made what can be a stressful experience feel smooth and manageable. her communication and attention to detail gave us confidence throughout the entire loan process. We are very grateful for her support and would highly recommend them to anyone looking for a reliable and trustworthy loan officer.
    Xavier Alejandro M.
    Moreno Valley, CA · via Ashley Victoria Garza
    February 2026
    “
    None stop communication with timely responses and updates
    Corey A C.
    La Habra, CA · via Gabriel Garza
    July 2026
    “
    The communication through out the whole process was amazing.
    Seth Giovanni T.
    Rosamond, CA · via Maria Rosa
    July 2026
    “
    Thanks for everything Marta. In large part due to your efforts, the buyer was able to secure their fantastic new home.
    DIANE S.
    Naples, FL · via Modesta Garcia
    July 2021
    “
    She went above and beyond throughout the entire home-buying process. From the very beginning, I could feel her genuine sincerity and dedication to helping people. She made sure I understood every step of the process, explaining not only what we were doing but also why we were doing it. She patiently answered the countless questions I had, even on weekends, and was always available when I needed guidance. Whenever a challenge arose, she was proactive in finding solutions and ensuring everything stayed on track. Buying a home can be stressful and overwhelming, but she made the experience smooth, seamless, and uncomplicated. She is truly a ray of sunshine, and I am incredibly grateful for her being accomodating, service, professionalism, and kindness. I would absolutely love the opportunity to work with her again in the future and would highly recommend her to anyone.
    Maricor U D.
    Arleta, CA · via Rufina Guinto
    June 2026
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    Our Branch

    Montebello

    American Financial Network · NMLS #237341

    Address
    420 N. Montebello Blvd Suite 100
    Montebello, CA 90640
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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