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
$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
$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 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.Â
More financing options
Good Credit
All occupation types
USDA Loans
USDA loans are federally-backed loans (much like FHA or VA loans) that make purchasing a home easier in rural areas.Â
0% Down payment
Best for rural areas
Low payments
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 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 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.Â
USDA Loans
USDA loans are federally-backed loans (much like FHA or VA loans) that make purchasing a home easier in rural areas.Â
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 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