Modus Mortgage

Increase Your Purchase Power
Increase Your Purchase Power
First Time Homebuyer
First Time Homebuyer?
Our Loan Programs
Our Loan Programs
Mortgage 101
Mortgage 101
Refinancing
Are You Thinking About Refinancing?

Better Rates, Guaranteed.

Whether you’re looking to buy your first home, your next home, to refinance your current home, or just looking to get a pre-approval letter, our team of personal mortgage officers are ready to find the right solution for your needs. We pride ourselves on providing better rates than our competition – so much so that we’ll pay you $1,000 if you find a better rate than what we quote you. Don’t believe us? Start a free mortgage quote today and put our Better Rate Guarantee to the test.

Today's Mortgage Rates

Rates are current as of 9:15 am PST on 10/25/2021

0%
Interest Rate
0%
APR

$1,306 Payment

* payment calculated based on the terms below
$320,000 loan amount, 20% down payment, 740 credit score, 30-year fixed rate OAC

Better Rates, Guaranteed.

Whether you’re looking to buy your first home, your next home, to refinance your current home, or just looking to get a pre-approval letter, our team of personal mortgage officers are ready to find the right solution for your needs. We pride ourselves on providing better rates than our competition – so much so that we’ll pay you $1,000 if you find a better rate than what we quote you. Don’t believe us? Start a free mortgage quote today and put our Better Rate Guarantee to the test.

Today's Mortgage Rates

Rates are current as of 9:15 am PST on 10/25/2021

0%
Interest Rate
0%
APR

$1,306 Payment

* payment calculated based on the terms below
$320,000 loan amount, 20% down payment, 740 credit score, 30-year fixed rate OAC

Your Mortgage, Your Terms.

We’ve simplified the process and created tools to give you a hassle-free experience with your mortgage.

Mortgage Calculators

Quickly estimate your mortgage payment with our mortgage calculators.

First-Time Home Buyer

Are you ready for homeownership? Learn more about how to prepare yourself.

Why Should You Refinance?

Ready to refinance your mortgage? We can help you get started today.

Your Mortgage Your Terms.

We’ve simplified the process and created tools to give you a hassle-free experience with your mortgage.

Mortgage Calculators

Quickly estimate your mortgage payment with our mortgage calculators.

First-Time Home Buyer

Are you ready for homeownership? Learn more about how to prepare yourself.

Why Should You Refinance?

Ready to refinance your mortgage? We can help you get started today.

Most Popular Loans

Finding the right home loan can save you thousands of dollars and a ton of headaches down the line. That is why we ask our clients to compare Modus to other lenders and mortgage brokers. We also work with a variety of investors and can offer 30, 20, 15, 10-year mortgage, Conventional, Jumbo, VA and USDA loans.

Fixed Home Loans

Fixed Loans

The traditional fixed rate mortgage is the most common type of home loan program, where monthly principal and interest payments never change during the life of the loan. 

More financing options

Good Credit

All occupation types

USDA Home loans

USDA Loans

USDA loans are federally-backed loans (much like FHA or VA loans) that make purchasing a home easier in rural areas. 

0% Down payment

Best for rural areas

Low payments

FHA Home Loans

FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

Low credit threshold

Low payments

Easier to qualify

VA Home Loans

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. This program was designed to help military veterans realize the American dream of homeownership.

Limited to eligible veteran’s

No mortgage insurance

0% down payment

Fixed Home Loans

Fixed Loans

The traditional fixed rate mortgage is the most common type of home loan program, where monthly principal and interest payments never change during the life of the loan. 

USDA Home loans

USDA Loans

USDA loans are federally-backed loans (much like FHA or VA loans) that make purchasing a home easier in rural areas. 

FHA Home Loans

FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Home Loans

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. This program was designed to help military veterans realize the American dream of homeownership.

Louie Flores


VP of Mortgage Operations/ Designated Broker
NMLS# 1009422

Heather Wiwatowski


Mortgage Loan Originator
NMLS# 1925410

Steve Fisher


Mortgage Loan Originator
NMLS# 280677

Have Questions? Contact Our Loan Officers.

Leave Us A Review!

The Modus Mortgage team made the refinance process easy and stress-free. They went the extra mile to make sure my refinance closed out with a short deadline. I felt they had my best interests at heart throughout the whole process. I will highly recommend Modus Mortgage to my friends and relatives
Jennifer C, Spokane WA
I was not sure what to expect when I did my refinance with Modus Mortgage and was pleasantly surprised. The team was careful to answer my questions and guide me through the lending process. It was a very successful experience and I would recommend.
John K, Seattle WA
I am a real estate broker and recently purchased a investment property using Modus. Michelle was great to work with. They had very competitive rates and was able to close in 3 weeks. Since then, I have worked with Michelle on 3 other transactions for other buyers. I will definitely recommend Modus!
Bonnie M, Kirkland WA
Louie Flores and his team were there every step of the way. Communication was awesome, numbers came in as quoted, and we closed with time to spare. If you are looking for low interest rates and an ethical lender that will support you with great communication, then I recommend Modus Mortgage!
Jennifer P, Vancouver WA
My experience was a very good one, everyone was professional, friendly and worked so hard to help me achieve my dream of becoming a home owner. I would highly recommend using them!
Bonnie L, Roseburg OR
Louie, Michelle, and the team at Modus Mortgage did a great job on our refinance. We got a fantastic rate, low fees, and they got it done on time. They have also done mortgages for two of our grown kids, and even did a refinance for one of those as the rates were dropping. Highly recommended!
Tim R, Colbert WA
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