Modus Mortgage

Purchase or Refinance with Modus Mortgage

New "Lock and Shop" Products!

That’s right.  You can now lock your loan today and then shop for your home for 30, 60, 90 (up to 180) days.  Don’t take a chance on rates going up.  Speak to a loan professional at Modus Mortgage and see how we can lock you in today. 

Rates matter.  The right rate can increase your purchase power and help you buy your dream home. 

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Purchase or Refinance with Modus Mortgage

New "Lock and Shop" Products!

That’s right.  You can now lock your loan today and then shop for your home for 30, 60, 90 (up to 180) days.  Don’t take a chance on rates going up.  Speak to a loan professional at Modus Mortgage and see how we can lock you in today. 

Rates matter.  The right rate can increase your purchase power and help you buy your dream home.

Today's Mortgage Rates

Rates are current as of 7:25 am PST on 05/20/2022

0%
Interest Rate
0%
APR

$1,645 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.

A Mortgage Brokerage
Designed For You

Our loan officers will work hard to find the right product for you, and our exceptional customer service will ensure you have a great home buying experience to help you reach your goals.

Our rate and fee structure is so competitive, that we encourage our clients to compare Modus to other mortgage loan providers. If you need a quick pre-approval letter, want to increase your purchase power, lower your monthly payments, or simply need help understanding the home loan process, contact Modus Mortgage today.  

Today's Mortgage Rates

Rates are current as of 7:28 am PST on 05/20/2022

0%
Interest Rate
0%
APR

$1,645 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

A Mortgage Brokerage Designed For You

Our loan officers will work hard to find the right product for you, and our exceptional customer service will ensure you have a great home buying experience to help you reach your goals.

Our rate and fee structure is so competitive, we encourage our clients to compare products, rates and fees. If you need a quick pre-approval letter, want to increase your purchase power, lower your monthly payments, or simply need help understanding the home loan process, contact Modus Mortgage 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.

Should You Refinance?

Have questions about refinacing? We can help you get started today.

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 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.

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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