The NEW approach to your mortgage.

At NEO Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.

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Mara Montes

Mortgage Advisor | NMLS# 316251

Born and raised in the Napa Valley, Mara Montes brings a deep-rooted connection to her community—and a legacy of hard work inspired by her family’s longtime involvement in the wine industry. With master’s degrees in both Business and Management, Mara blends strategic insight with a natural ability to connect, educate, and guide.


Fluent in English and Spanish, Mara is proud to serve a diverse range of clients, ensuring every family she works with feels informed, empowered, and supported throughout the home loan process. As a Branch Manager and trusted Mortgage Advisor, she’s known for tailoring mortgage solutions that align with each client’s short and long-term financial goals—always with the bigger picture in mind: building wealth through real estate.


Beyond the office, Mara is passionate about giving back to her community. Whether mentoring aspiring professionals, volunteering at local events, or hosting educational workshops, she is committed to strengthening her community one family at a time. Her heart for service and dedication to financial literacy make her a true advocate for those navigating the path to homeownership.


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The NEO Experience

Being a successful homeowner is so much more than just buying a home and making your mortgage payment. The NEO Experience will make sure your home will always be a powerful tool that can help you achieve your financial goals, create generational wealth, and enjoy a secure retirement.

Learn More

  • Annual Financial Reviews

    Ensure your family's well-being by strategically planning for the future. Continuously receive expert advice and guidance to skillfully manage your real estate and financial matters.

  • Home Concierge Service

    Let our team assist you in maintaining your home's excellent condition and boosting its value as years go by.

  • Monthly Real Estate Wealth Digest

    Gain comprehensive insight into your real estate wealth and explore the array of options available to you. Plus, delight in observing the progress as it appreciably shifts each month!

  • The Perfect Mortgage Promise

    As your life's chapters unfold and transform, your mortgage management strategy should adapt accordingly. Our team is here to help you navigate these changes, ensuring your mortgage aligns with your evolving needs.

  • Maximize Wealth Through Real Estate

    Leverage the full potential of your current real estate holdings to ensure that your property is yielding its maximum benefits.

  • Relocation Services

    Discover the benefits of our NO COST renovation financing, designed to amplify the profits from your home sale. In addition, our advanced technology streamlines your transition into your new residence with ease.

OUR PROCESS

Step 1

Discovery

We need to learn about you so we can understand your financial situation and long-term goals before we prescribe a mortgage strategy.

Step 2

Strategy

We will analyze mortgage options with the lowest cost and greatest prosperity potential for you and your family, then present you with a Total Cost Analysis - a digital and easy-to-read breakdown of your mortgage options.

Step 3

Execution

We create a flawless home loan experience for you. If you are in a highly competitive market, we will position you to close your loan as quickly as possible. If you need more time to prepare, we will continue to advise you on your financial situation until you are ready to buy or refinance your home.

Step 4

Wealth Maximization

Your life and the real estate market where you live can change rapidly. Even after you are in your new home, we will continue to manage your mortgage and help you maximize your wealth.

The closing of your loan is just the start of our relationship.


Stay informed about the value of your home!


Our monthly report offers an intuitive financial dashboard, tailored to enhance your wealth-building journey with your most significant asset: your home.


We are committed to ensuring you always have a clear and accurate understanding of your home's value and its impact on your family's financial wellbeing.

GET YOUR HOME REPORT NOW