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Get your FREE Pre−Approval Letter

Find out how much home you can afford by getting pre-approved for your next home loan now.

Get your FREE Pre−Approval Letter

Find out how much home you can afford by getting pre-approved for your next home loan now.

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Analyze Your Refinance Options

Analyze Your Refinance Options

This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.

Analyze Your Refinance Options

This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.

Refinance
Compare Today's Mortgage Rates

Compare Today's Mortgage Rates

Browse today's rate comparisons to see which individual mortgage terms make the most sense for you.

Compare Today's Mortgage Rates

Browse today's rate comparisons to see which individual mortgage terms make the most sense for you.

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4 Easy Steps to Save

Let our experienced team of Mortgage Advisors guide you through the buying or
refinancing process quickly, efficiently, and confidently.

Mortgage Lending That’s Different

Service First. Trust a Team With Over 5,000 Five-Star Reviews.

Most mortgage companies offer support when you need it. But at Modern Lending we believe supporting you with your mortgage comes FIRST. That’s why we have put together a team of experts to support you. Our team includes top 10 Mortgage Loan Officers in the Nation & are the #1 Mortgage Team in Southern California.

CONNECT WITH our team

Answer Basic Questions

Provide Answers to Simple, very straight forward questions.

Upload Needed Documents

Provide needed documents to verify your information.

Personalized Loan Review

Our award winning loan officers will call you to go over your personalized mortgage plan ensuring you know all your options.

Close Confidently & Save

In as little as two weeks, close with the best loan for you.

Your Home Loan Could Be
Fully Funded 30 Days From Now

Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Modern Lending Team for your home loan or refinance, you can get your money and do what you want with it - usually in less than 30 days..

Pick the Right Home Purchase Loan for You

Pick the Right Home Purchase Loan for You

Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We’re here to help you make that choice.

Accomplish Your Strategic Refinance

Accomplish Your Strategic Refinance

Want some financial wiggle room? Planning to upgrade your home? We’ll help you choose a refinance rate that saves you meaningful money. What you do with it is up to you.

Shop Around for the Best Rate

Shop Around for the Best Rate

As the potential homeowner, YOU hold all the power. Before signing your first loan offer, browse our rate comparisons to make sure you’re getting the best deal and the right-fit terms.

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star Ratings
Brian Decker is amazing. We received our loan approval in record time. I would highly recommend Brian to all friends and family that are looking to buy or refinance a new or existing loan. Mary Lujan Mary Lujan “Brian Decker is amazing.”
star Ratings
I was impressed with the amount of attention I received from Brian and his team right from the start. If you want your loan done right, in a professional and proficient manner, than Brian and his team are the right choice for you. Jason Griffith Jason Griffith “Brian and his team are the right choice for you”
star Ratings
The team members were all patient, kind, knowledgeable and helpful. We also appreciated the many choices we were given along the way. Milissa Faulkner Milissa Faulkner “The whole lending process was easy and convenient.”
star Ratings
Super personable, responsive and efficient! Brian Decker and his team operates like a well oiled machine. They kept me in the loop every step of the way and closed my loan in lightening speed. Sonya Taing Sonya Taing “Super personable, responsive and efficient!”
star Ratings
Brian and his team did a fantastic job putting together my loan. They paid attention to every detail and communicated brilliantly If you’re looking to get a loan in Southern California, Brian Decker and his team are fantastic. Greg Keele Greg Keele “Brian and his team did a fantastic job”
star Ratings
Brian and the Modern Lending Team were a class act and made the loan process easy. They communicated with my wife & I on a regular basis. I recommend Modern Lending to anyone financing a home loan. Lonnie Nash Lonnie Nash “I recommend Modern Lending to anyone financing a home loan.”
star Ratings
The market is crazy hot and working with a lender who responds and delivers quickly can make all the difference. Brian was exceptional in all ways, we offered a 21 day escrow and our loan approval was ready in 17 days. Brian explained all steps of the process and even sent videos of himself explaining my specific loan details and next steps. Big thanks to Brian and the Modern Lending team for helping us close on our new home, I'll be using and recommending them for all future purchases. Jesse Adkins Jesse Adkins "I'll be using and recommending them for all future purchases."
star Ratings
It was wonderful to know that we were in good hands and that they were there to walk us through the home buying process. They were easy to contact by email, phone and text and even worked hard to help us close early. Kelsey Canan Kelsey Canan "It was wonderful to know that we were in good hands"
star Ratings
Brian Decker and his team at Modern lending are the A team of home finance. I've used them multiple times now and their service can't be beat. They are knowledgeable, responsive and efficient. I will continue to use them on all of my home finance needs. Dave Dave "Brian Decker and his team at Modern lending are the A team of home finance."
star Ratings
Brian and his team were so easy to work with. Their no pressure approach and ability to answer all out questions made this process super simple and easy for my wife and I. If you are looking for a VA Loan specialist, Brian is your guy! Closing was fast and communication was on point. Loved the video emails breaking down the process. This made it more personal given the times we live in. Couldn’t be more pleased. Joe Taylor Joe Taylor "Brian and his team were so easy to work with."
star Ratings
I have owned many houses in the past and refinanced a few times. This, by far, was one of the easiest experiences that I’ve ever had from beginning to end. They let you know upfront exactly what they need. they keep you updated as progress is made and BOOM before you know it you are signing your FINAL closing docs! Kim Kim "I have owned many houses in the past and refinanced a few times."
star Ratings
Brian and his team worked over and beyond to make sure my first home purchase was easy! They were there every step of the way and made the buying experience Great! Brian was very hands-on and continues to check in to ensure we are doing well in our home. Thank you Brian and team for everything!! Francisco Zaragoza Francisco Zaragoza "Brian and his team worked over and beyond to make sure my first home purchase was easy!"
star Ratings
Brain Decker and his team are the best in the business! I have used him for multiple loans over the years and he always has the best rates and options available. His team is incredibly knowledgeable and they have streamline the loan process so much it really makes things easy. Joshua Myers Joshua Myers "Brain Decker and his team are the best in the business!"
star Ratings
Brian and his team made getting a loan really easy. We closed on the house really fast and it was not a problem for his team. I was a first time home buyer so he explained everything in an easy to understand way. Kawika Lawlor Kawika Lawlor "Brian and his team made getting a loan really easy."
star Ratings
Brian Decker and his team are effective and informative during the loan process. They get the job done and communicate with you every step of the way. Thank you for your diligence and transparency. I recommend Brian Decker and his team to my friends and family. Cindy G. Cindy G. "Brian Decker and his team are effective and informative during the loan process."
star Ratings
Brian was very informative and simplified all the complex paperwork. He and his team kept in constant communication and even found me a better APR during the process. Joe Marquez Joe Marquez "Brian was very informative and simplified all the complex paperwork."
star Ratings
Brian Decker and Team were amazing to work with. Very Professional and Helpful throughout the home buying process. I recommend anyone in the market for buying a home to use Brian Decker for their loan. Cody Warren Cody Warren "Brian Decker and Team were amazing to work with."
star Ratings
Excellent, expert service. We had Sean Parsons as our loan consultant and he was fantastic. Very knowledgeable and speedy. Made the process very seamless for us and was able to find us the most competitive rates. Highly recommend. Omar A. Omar A. "Excellent, expert service."

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