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Frequently Asked Questions

Mortgage Basics

How do I qualify for a mortgage?

What's included in my mortgage payment?

How much do I need for down payment?

How are rates determined?

Different Loan Options

What are some of the different loan programs?

What decisions will you help us with?

Are there any pre-payment penalties?

What's the difference between fixed rate and adjustable rate?

The Loan Process

How do I get started?

What are the steps to the mortgage process?

How long does it take to get prequalified?

What's the difference between fixed rate and adjustable rate?

How can I make the process smooth?

Closing Costs

What are the different types of typical closing costs?

Who pays closings costs?

How can you cover our closing costs for us?

What costs will I pay before closing out of pocket?

How and why do closing costs vary?

Mortgage Insurance

When is mortgage insurance required?

Why is mortgage insurance required?

What are the different mortgage insurance options?

Can I get rid of a monthly mortgage insurance?

Appraisals

How does an appraiser value a home?

How long does an appraisal take?

When should we order an appraisal?

What is an appraisal waiver?

Appraisals

How are you able to offer loans with no underwriting or processing fees?

How can you offer rates much lower than the national average?

Why should I choose Modern Home Lending?

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Modern Lending, LLC DBA Modern Home Lending

NMLS#1738930 | AZMB#0947744 | CO#1738930

| GA#1738930 | FL#MBR4862

NMLS Consumer Access

Product

Policy

Blog

Reach out to us

4250 N Drinkwater Blvd #300

Scottsdale, AZ 85251

(480) 598 8700

info@modernhomelending.com

Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent Lender.

If you would like additional assistance or have accessibility concerns, please contact info@modernhomelending.com

Modern Lending, LLC DBA Modern Home Lending

NMLS#1738930 | AZMB#0947744 |

CO#1738930 | GA#1738930 |

FL#MBR4862

NMLS Consumer Access

Product

Policy

Blog

Reach out to us

4250 N Drinkwater Blvd #300 Scottsdale, AZ 85251

(480) 598 8700

info@modernhomelending.com

Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent Lender.

If you would like additional assistance or have accessibility concerns, please contact info@modernhomelending.com

Modern Lending, LLC DBA Modern Home Lending

NMLS#1738930 | AZMB#0947744 |

CO#1738930 | GA#1738930 |

FL#MBR4862

Product

Policy

Reach out to us

4250 N Drinkwater Blvd #300

Scottsdale, AZ 85251

480.598.8700

info@modernhomelending.com

Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent Lender.

If you would like additional assistance or have accessibility concerns, please contact info@modernhomelending.com