Founded in 2016, Montserrat is a diverse team of experienced financial consultants with the mission to enhance market transparency, promoting equality for clients regardless of size, fostering long-lasting partnerships through enabling access to sustainable solutions.
At the heart of our company lies a commitment to guidance. We proactively support, mentor, and lead our team, clients, and partners with clarity and purpose, enabling informed decisions and fostering continuous growth and improvement
We equip professionals and clients with the tools to navigate the financial landscape and make informed decisions.
A mortgage is a loan used to purchase real estate, where the property itself serves as collateral for the loan.
A fixed-rate mortgage has an interest rate that remains the same for the life of the loan, providing predictable monthly payments
An ARM starts with a lower interest rate that adjusts periodically based on market conditions, which can make payments increase or decrease over time.
Interest rates are influenced by the Federal Reserve, inflation, the bond market, economic data, and the borrower’s credit profile.
