Modern Lending Team
Modern Lending Team

Modern Lending Team

Trust a team with over 800 5-Star Reviews from happy homeowners

NMLS ID: 1865339

Call or text to connect with a loan specialist: (844) 4-Modern

Find out if you qualify for a home or refinance loan in 60 seconds.

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Your time & money matter. Let’s not waste either.

From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 30 days.

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What We Do

We’re making getting a mortgage is easier than ever before. Modern Mortgage DBA Modern Lending has an experienced team of brokers on staff.

Home Purchase Loans

Home Purchase Loans

Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.

Refinance Rates

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Rate Comparisons

Rate Comparisons

Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.

Fast Funding

Fast Funding

Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.

Evaluate Your Property

Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

Purchase Loan

Cash-Out Refinance

Take advantage Of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

Mortgage Refinance Saving California Homeowners Big Time 2021

About Modern Lending

Brian Decker and Taylor Loop are the managing partners of Modern Lending. They have assembled over the last few years the most knowledgeable and elite team of loan officers in the State. This team consists of Nathan Chabolla, Jorge Nila, Christopher Decker, Eddy Marin, Joe Daquino, and Sean Parsons. All these individuals are superstars in their own right and were hand picked to form the first of its kind, a Modern Lending Team. The idea behind Modern Lending was to take the most brilliant minds in each mortgage segments (VA, USDA, FHA, Conventional, Jumbo, Refinance, etc) and create a collaborative All Star Mortgage Team. By pulling all these resources together it would not only allow for improved pricing for consumers due to volume incentives offered by investors, but also provide a level of service other lenders simply cannot match.

Brian Decker has consistently year after year ranked as one to the Top 10 Loan Originators in the United State funding over $2,000,000,000 in his career. He has been honored as one of the Top 40 Under 40 in the mortgage industry and is one of the most recognizable names in the industry. Taylor Loop is one of the Top 10 Loan Originators in the State of California. He has been honored nationally as both a Chairman’s Circle and President’s Club recipient. Both born and raised in Riverside County, they still call this area home with their wives and children today. Their passion for giving back to the community they grew up is always at the center of their efforts. Modern Lending is the largest single donor to the “Rose Again Foundation” a local children foster home that takes in hundreds of abused children.

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.