Max Approval
Home Purchase
Review Homebuying Options:
- Check How Much Home You Can Afford
- Review multiple loan options before shopping
- Get a full pre-approval to strengthen your offer
- Receive clear payment estimates for your new home budget
Your Modern Mortgage Broker
Modern Home Lending can help you Purchase, Refinance, or get a HELOC. We compare 40+ lenders to find your best deal and close in as little as two weeks. 150+ five star reviews. Licensed in AZ, CO, FL, and GA.
Why Customers Love us?
150+
5★ Google Reviews
1000+
Happy Customers
40+
Lenders we shop for you
$0
Processing or Underwriting Fees
Loan options
Lowest Interest Rate
Refinance
Check your refinance rates and get notified when rates drop with our RefiRadar
- Lower your rate and payment
- Shorten your term to pay your loan off sooner
- Or pull out cash in one new larger loan
- Buy out another owner
Maximize Cashout
HELOC
Review HELOC & 2nd Mortgage Options:
- Close in 1-3 Weeks
- Fixed Rates and Adjustable Rates available
- Access your home’s equity via HELOC or Home Equity Loan
- Available for primary, second, and investment homes
Why Modern Home Lending?
At Modern Home Lending, we are committed to making a difference in the lives of homebuyers, homeowners and our community. The modern mortgage is a better way to finance your dream, and our acclaimed service provides a stress-free experience for all involved.
- Pre-approval in Minutes
- Close in as little as Two Weeks
- Work with top mortgage brokers
- Custom loan options from 40+ lenders
What is a mortgage broker, and why not just use my bank?
A bank can only offer you its own loans. We work differently. Modern Home Lending is an independent mortgage broker, which means we shop 40+ lenders from one application and pass the wholesale pricing on to you, with $0 processing or underwriting fees. The bank works for the bank. We work for you.
| Your bank | Modern Home Lending | |
|---|---|---|
| Lenders compared | 1 | 40+ |
| Processing and underwriting fees | Varies | $0 |
| Who they work for | The bank | You |
Trusted Advisors
5.0 (150+ Reviews)
Common questions
Is Modern Home Lending a lender or a broker?
A broker. Instead of one menu of loans, we shop 40+ lenders from a single application and pass wholesale pricing on to you. Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent Lender.
What do you charge?
$0 processing or underwriting fees. Third-party costs like the appraisal and title still apply, and we lay them all out up front.
Where are you licensed?
Arizona, Colorado, Florida, and Georgia.
How fast can I close?
In as little as two weeks, and well under 30 days on average.
Do I have to use my own bank?
No, and it usually pays not to. Your bank can only offer its own loans. We compare 40+ lenders and show you what each would charge for the same loan.
Does getting a quote affect my credit?
No. Our quote and estimate tools do not require your SSN or a hard credit pull.
Our Blog
Mortgage Learning Center
Buying a Home for Your ASU Student Instead of Paying Rent
Tempe rents go up every year. At some point most parents of an ASU student run the math on four years of rent checks and think, "should we just buy the kid a place?"
Do Tax Write-Offs Hurt Your Mortgage Approval?
Write-offs shrink the income lenders see. Here's how add-backs and bank statement loans can get self-employed buyers qualified anyway.
Financing a Scottsdale Winter Home: What Snowbirds Should Know
Every fall the Valley fills back up with winter residents. And every fall we get the same call.
Modern Home Lending is an independent mortgage broker (NMLS #1738930) licensed in Arizona, Colorado, Florida, and Georgia. We shop 40+ lenders and charge $0 processing or underwriting fees. Based in Scottsdale, serving Phoenix and the East Valley, with the same team covering CO, FL, and GA.