We're your mortgage team

a Few Words About us

Our mission

To simplify the mortgage process for our clients and teach about all loan options available. Our goal is to be technology-forward to be more efficient and pass along the savings to the consumer.

Fixing the problem

We believe that the typical mortgage process has become over-complicated. Fees are often very high and it's tough to get an accurate rate quote. Going through the pre-qualification process and getting a good deal shouldn't be difficult.

what to expect from us

What we're all about...


Financing your home is a large financial decision. We give you the personal service you deserve and treat you how we'd want to be treated.


We are upfront and honest with our quotes. There are no hidden fees or costs. No bait and switch tactics. We give full picture payment and cost quotes.


Processing and underwriting fees are a thing of the past with us. We setup our business with low overhead to pass along the saves to you.


We value education. With our employees, with our clients, and with our business partners. The more you know upfront, the easier the process is.


We designed our process to be more efficinet and quicker. We make it easy to move along through the process in a timely manner.


No one person's scenario is the same and we understand that. We're always willing to work to meet your needs the best we can.

our team

who will you work with?


Evan Einhorn

After 8 years in the real estate and mortgage industry, Evan founded Modern Home Lending with simple goals of offering great service and competitive rates. He is a local to Arizona and a W. P. Carey School of Business (ASU) graduate. As an avid traveler, you'll often catch him exploring the southwest and traveling across the US in his free time.

Troy Fjerkenstad

With over 2 decades of experience in the Real Estate Industry - including Title Insurance, Real Estate, and Lending, Troy understands the importance of service, communication and understanding clients' goals. Troy was born and raised in Minnesota and is an ASU graduate. He enjoys family time, wake surfing, and spending time at the sand dunes.


Bruce ladzinski

Native to Illinois, Bruce has spent over a decade here in the valley of the sun. He has worked on the retail, wholesale, and broker side of the mortgage industry. On weekends, you'll often find him exploring the outdoors and all that Arizona has to offer. Bruce's golf game is also one to be rivaled.

Cynthia mincolla

Cynthia is a native New Yorker and has called the Valley her home since 2000. After a long career in the legal and law enforcement fields, she became a Realtor in 2013 and has enjoyed helping families find their homes in partnership with her Realtor husband. In her off time, Cynthia enjoys time with her husband, son, and lots of beagles.

Steve DeBiase

Steve DeBiase

Originally from New Jersey, Steve has called Arizona home since 2014. After years in finance and sales, he is excited to focus his talents into home lending. Steve expresses his passion for people and kids by running a local lacrosse club and volunteering with youth hockey. When he isn't doing those things, he is likely enjoying the Arizona outdoors with his wife, 2 boys and dog, Jersey.


A Los Angeles born transplant who has lived in Phoenix most of his life, Vince is an Arizona State University graduate who has been in Mortgage Lending since 2012. He is process oriented, has an eye for detail, and is a skilled graphic designer. He's also an avid photographer, specializing in headshots, family portraits, and weddings. When he's not working, he loves to explore new cities with his wife & son.



Veda is as international as you get. He was born in Dubai and shares Canadian and American citizenship. He mainly grew up in Phoenix and graduated from ASU with a degree in Psychology. He's been working as an accountant for the past 2 years, and outside of work he's a videographer and event planner for Crunch Time.

Tony Potts

Born and raised in Phoenix, Tony is a graduate of Arizona State University. He has been doing marketing since 2013, doing everything from SEO to video production. He's excited to use his talents to help people discover Modern Home Lending. Outside of work he is an actor, filmmaker, and co-founder of Crunch Time & SmallDance Collective.