Purchase or Refinance with Modus Mortgage
Because Rates Matter
Modus Mortgage, NMLS#1028232, was designed by mortgage professionals who wanted to create a better experience for their clients.
The right rate can increase your purchase power, all the while saving you thousands over the life of your mortgage. That’s important to us.
Whether you’re purchasing your first home, your next home, refinancing your current home, or need a quick pre-approval letter to search for a new home, we are here to help. Put the Modus team to the test today, because rates matter.
Purchase or Refinance with Modus Mortgage
Because Rates Matter
Modus Mortgage was designed from scratch by mortgage professionals who wanted to create a better home loan experience for their clients. Our team of home loan experts is committed to finding the right mortgage for your needs, whether you’re looking to buy your first home, your next home, or refinance your current home.
The right rate can increase your purchase power, all the while saving you thousands over the life of your mortgage. Put the Modus team to the test today, because rates matter.
Today's Mortgage Rates
Rates are current as of 7:26 am PST on 10/3/2023
$2,210 payment (principal & interest). Calculated based on the terms: $320,000 loan amount, 20% down, 740 FICO, 99202 searched zip code, 30-year fixed-rate, OAC, discount fee $524.80
A Mortgage Brokerage
Designed For You
Our team of experts is committed to finding the right mortgage for your needs, while our exceptional customer service will ensure you have a smooth experience. Our rate and fee structure is so competitive, that we encourage our clients to compare us to other lenders.
Today's Mortgage Rates
Rates are current as of 7:26 am PST on 10/3/2023
$2,210 payment (principal & interest). Calculated based on the terms below: $320,000 loan amount, 20% down, 740 FICO, 99202 searched zip code, 30-year fixed-rate, OAC, discount fee $524.80
A Mortgage Brokerage Designed For You
Your Mortgage, Your Terms.
We’ve simplified the process to give you a hassle-free experience with your mortgage.
Your Mortgage, Your Terms.
We’ve simplified the process and created tools to give you a great experience.
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.
Should You Refinance?
Have questions about refinancing? We can help you get started today.
Our Most Popular Loans
Finding the right home loan can save you thousands of dollars down the line. That’s why we ask our clients to compare Modus to other loan providers. We work with a variety of investors and can offer 30, 20, 15, 10-year mortgages, Conventional, Jumbo, VA USDA loans and more.
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 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 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.
USDA Loans
USDA loans are federally-backed loans (much like FHA or VA loans) that make purchasing a home easier in rural areas.
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.