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Joe Montgomery

Top Rated® Nationwide Mortgage Banker

FNMA HOMESTYLE SPECIALIST | VETERAN LENDING SPECIALIST | FHA 203K SPECIALIST | NEW CONSTRUCTION LOAN SPECIALIST | PREFAB & MANUFACTURED LOAN SPECIALIST

NMLS ID# 406818

With more than 20 years of mortgage lending experience, Joe Montgomery brings extensive industry knowledge, established builder relationships and specialized construction financing expertise to BuildBuyRefi Home Loans, powered by The Federal Savings Bank. As a Nationwide Mortgage Banker, Joe works with homebuyers, homeowners and builders across the country, helping navigate financing for custom home construction, renovation projects, manufactured and modular homes, barndominiums and traditional home purchases.

Throughout his career, Joe has developed a strong understanding of both conventional mortgage lending and the unique financing requirements associated with nontraditional construction. His experience spans custom-built homes, prefabricated and system-built housing, manufactured and modular construction, and barndominiums. These projects often require specialized lending knowledge, careful coordination and a clear understanding of how the home will be built, financed and completed.

One of Joe's greatest strengths is his longstanding relationships with builders and industry professionals. Having worked with construction clients and builder partners throughout his career, he understands the importance of communication between borrowers, builders and lending teams. His familiarity with different construction methods and property types allows him to help clients explore financing options that align with their project, budget and long-term homeownership goals.

Joe also has a strong commitment to serving veterans and active-duty military personnel. VA home financing has been an important part of his mortgage career, and he considers it a privilege to help military families understand and use the benefits they have earned. Whether assisting with a home purchase, new construction project, military relocation or refinance, Joe focuses on helping eligible borrowers make informed decisions about their financing options.

Beyond construction and VA lending, Joe works with a broad range of mortgage programs, including FHA, USDA, Jumbo and Conventional financing. He recognizes that every borrower's financial circumstances and property goals are different. Rather than approaching each transaction with a predetermined solution, he takes the time to understand the complete picture and evaluate available lending options that best support the client's needs.

For borrowers considering manufactured homes, modular construction or barndominiums, Joe brings particularly valuable experience. These housing options continue to attract buyers looking for greater flexibility in home design, construction methods and property ownership. Joe understands that financing requirements can vary considerably depending on the property, builder and loan program, and he helps clients understand those considerations early in the process.

Known for his straightforward communication, personalized service and commitment to building lasting relationships, Joe believes successful mortgage lending starts with understanding the people behind the transaction. His goal is to make complicated financing decisions easier to navigate while keeping borrowers informed and supported from the first conversation through closing.

Outside of mortgage lending, Joe enjoys maintaining an active lifestyle through fitness, playing and watching sports, and traveling. His appreciation for personal relationships, discipline and staying engaged carries into the way he approaches his work with clients and industry partners.

Whether you are building a custom home, financing a manufactured or modular property, planning a barndominium, renovating an existing home or exploring VA financing, Joe Montgomery brings more than two decades of lending experience, specialized construction knowledge and established builder relationships to help you move forward with confidence.

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THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs, based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

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†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program we offer exclusively to help our consumers save on their real estate transactions.

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