Mr. Montoya represents mortgage lenders in a variety of commercial real estate financing transactions, including construction, acquisitions, refinancing and permanent financing loans utilizing a variety of different financing structures, including GNMA Securities backed loans, Section 8 properties, and tax-exempt financing. His practice is focused on federally insured and guaranteed financing transactions related to apartment buildings, nursing homes and hospitals. Prior to joining the firm, Mr. Montoya worked as a consultant providing advice in the housing and financial business sectors including mortgage finance, securitization, and community development.