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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
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.
150+
5★ Google Reviews
1000+
Happy Customers
40+
Lenders we shop for you
$0
Processing or Underwriting Fees
Max Approval
Review Homebuying Options:
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Check your refinance rates and get notified when rates drop with our RefiRadar
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Review HELOC & 2nd Mortgage Options:
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.
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 |
5.0 (150+ Reviews)
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.
$0 processing or underwriting fees. Third-party costs like the appraisal and title still apply, and we lay them all out up front.
Arizona, Colorado, Florida, and Georgia.
In as little as two weeks, and well under 30 days on average.
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.
No. Our quote and estimate tools do not require your SSN or a hard credit pull.
Our Blog

You can buy a home for your parent on a conventional loan and finance it as a primary residence, not an investment property, as long as your parent lives there. Here is how it works, who goes on the loan and title, where FHA differs, and how Arizona, Colorado, Florida and Georgia tax the home.

A HELOC on an Airbnb or VRBO rental is possible, but the line qualifies on your income, not the property's bookings. Here is how hosts qualify with tax returns or bank deposits, when a DSCR second mortgage that counts your short-term rent is the better fit, and what Scottsdale hosts should have ready.

Building a home is financed differently from buying one. Here is the plan, step by step: what to budget for, one closing or two, which construction loan fits, how much cash you need, what your builder must provide, and what happens at move-in.
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.