Mortgage lender of the year

Mortgage lender of the year

Will I Really Save Money with Modern Lending?

Our Story & Promise

Brian & Taylor, founders of Modern Lending, grew up in families with very limited resources. Extra money for sports and vacations just didn't exist. We believe that you have more important things to spend your money on than massive loan officer commissions. That's why we pay our salaried loan officers to save you money. If you believe what we believe, then welcome to The Modern Lending Family.
-Brian Decker & Taylor Loop - Founders

  • Get pre-approved in minutes
  • Close in as little as 15 days
  • Real Time Updates
  • Top Home Loan Officers in the Country
  • 98% of Our Customers Recommend Us
Connect With an Expert Get A Personalized Rate Quote
Will I Really Save Money with Modern Lending?

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

4 Easy Steps to Save

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

Answer Basic Questions

Provide Answers to Simple, very straight forward questions

Get Pre-Approved

Upload Needed Documents

Provide needed documents to verify your information.

See Refinance Rates

Personalized Loan Review

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

Compare Your Rates

Close Confidently & Save

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

Learn More
star Ratings
“Brian Decker is amazing.” 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 A Happy Client
star Ratings
“Brian and his team are the right choice for you” 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 A Happy Client
star Ratings
“The whole lending process was easy and convenient.” 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 A Happy Client
star Ratings
“Super personable, responsive and efficient!” 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 A Happy Client
star Ratings
“Brian and his team did a fantastic job” 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 A Happy Client
star Ratings
“I recommend Modern Lending to anyone financing a home loan.” 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 A Happy Client
star Ratings
"I'll be using and recommending them for all future purchases." 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 A Happy Client
star Ratings
"It was wonderful to know that we were in good hands" 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 A Happy Client
star Ratings
"Brian Decker and his team at Modern lending are the A team of home finance." 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 A Happy Client
star Ratings
"Brian and his team were so easy to work with." 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 A Happy Client
star Ratings
"I have owned many houses in the past and refinanced a few times." 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 A Happy Client
star Ratings
"Brian and his team worked over and beyond to make sure my first home purchase was easy!" 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 A Happy Client
star Ratings
"Brain Decker and his team are the best in the business!" 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 A Happy Client
star Ratings
"Brian and his team made getting a loan really easy." 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 A Happy Client
star Ratings
"Brian Decker and his team are effective and informative during the loan process." 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. A Happy Client
star Ratings
"Brian was very informative and simplified all the complex paperwork." 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 A Happy Client
star Ratings
"Brian Decker and Team were amazing to work with." 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 A Happy Client
star Ratings
"Excellent, expert service." 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. A Happy Client

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