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.Â
Rates matter. The right rate can increase your purchase power and help you buy your dream home.Â
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.Â
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
$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. Â
Today's Mortgage Rates
Rates are current as of 7:28 am PST on 05/20/2022
$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.Â
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 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.