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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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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

A HELOC on a duplex, triplex or fourplex is possible, and with one of our lending partners the limits match a single-family home. Here are the October 2026 ceilings for rentals, owner-occupied units and second homes, a worked example, and why so many multi-unit owners get turned down elsewhere.

The credit score you need for a HELOC on a rental depends on how much of the property's value you want to borrow. Here is the October 2026 score-by-CLTV ladder on the programs we price most often, how co-applicant scores work, and what to do with a score in the 640s.

Your 401(k) can count as mortgage income. Here is how conventional loans count retirement distributions and assets, how one program through our lending partners counts your balance over just 36 months for borrowers who meet its guidelines, and a calculator to run your own numbers.
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.