Home Financing That's Personal

Home Financing
That's Personal

At Modern Lending we help families get the best mortgage rates to buy or refinance a home. During the process you work 1-on-1 with a dedicated mortgage expert. No automated operators or online FAQ sections, just real people helping you through the entire process.

Your Time and Money Matter

let’s Not Waste Either

At Modern Lending we have streamlined the home loan process. We get you from application to fully funded-usually in less than 30 days.

  • No Upfront Home Appraisal Fees
  • No Upfront Lender Fees
  • Faster Closing
  • Real Time Updates
  • Top Home Loan Officers in the Country
Connect With an Expert Find Out What Rate You Qualify For
Your Time and Money Matter

Mortgage Lending That’s Different

Service First. Trust a Team With Over 1,000 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.


6 Ways We Help You Lock in Lower Rates

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

Secure Your Home Purchase Loan

Rates are competitive — so it’s a great time to buy! We’ll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.

Get Pre-Approved

Refinance for Better Rates

Take advantage of today’s great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?

See Refinance Rates

Compare Rates & Pick the Best

You wouldn’t accept the first offer at the car lot, so don’t just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.

Compare Your Rates

Get Your Loan Funded Faster

Other lenders giving you the runaround? Our fast funding options mean you’ll never miss out on the house you really want.

Learn More

Evaluate Your Property

Know where you stand. With your up-to-date property evaluation in hand, you’ll be better equipped to choose the loan terms that fit your goals.

Get Started

Get a Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance — and put your home loan to work for you.

Cash-Out Refinance
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

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About Us

About Us

Why Over 10,000 Families Trust Us

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Ready to Get Started?

Get pre-approved for a mortgage or refinance today!

Start Now