Modus Mortgage

Important Disclosures

Better Rate Guarantee

Borrower must provide a Loan Estimate from the competing lender for the same loan product and loan terms on the same day. If Modus Mortgage is unable to match the offer, Modus Mortgage will send a check for $1,000 within 6 weeks. This offer can not be combined with other promotions or gift cards.

Borrowers must provide a written loan estimate from the competing lender detailing costs for a program and terms that are also offered by Modus Mortgage. The competitor’s estimate must be dated the same day as it is forwarded to Modus. Annual Percentage Rate (APR) must be shown on the competitor’s offer, for comparison to Modus’ APR. If Modus Mortgage is unable to match the competitor’s offer, Modus will state so in writing within one (24 hour) business day.

To make a claim on Modus Mortgage’s Better Rate Guaranty, borrowers should forward a copy of the closing disclosure (dated within 60 days of the loan estimate) indicating that they did obtain financing from the competitor at the terms Modus was asked to match, and our written confirmation of our inability to match. The final APR obtained must be within one-eighth of one percent (.125%), and lender and/or broker points and fees must be the same as those shown to us on the initial loan esitimate. This information must be forwarded within 10 days of the closing date shown on the closing disclosure. Modus Mortgage will send a check for $1,000 within 6 weeks of the validated claim.

Eligibility Conditions

Deadline Requirements

Void where prohibited by law. Modus Mortgage reserves the right to amend or terminate the Guarantee at any time without prior notice. Even if you are not eligible for the Guarantee, Modus Mortgage will do everything in our power to close your loan on time. To make a Guarantee claim or discuss it with our team, contact your loan officer or contact Modus Mortgage at 866-663-8711 or prior to your closing.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information.
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

This short outline included important aspects of our privacy policy. To review our entire privacy policy, email us at the “Contact Us” email on this web site.

Government Disclosures

These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials is not an endorsement of the Sender or any of its employees or business partners.

For information directly from HUD/FHA, visit

For information directly from the VA, visit

For information directly from the USDA, visit 

Customer Complaint Policy

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.

All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer’s Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer’s meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending, and civil rights laws. For more information, contact us 844-663-8711 or

Kelly Right Real Estate / Modus Mortgage Affiliated Business Agreement

This is to give you notice that Kelly Right International, Inc. (“Kelly Right International”) has the following business relationships described below. Because of these relationships, a referral to one of these businesses may provide Kelly Right International a financial or other benefit.

  • Modus Mortgage LLC (“Modus Mortgage”): Kelly Right International owns 100% of Modus Mortgage. Modus Mortgage NMLS ID #: 1028232.
  • Kelly Right Real Estate LLC (“Kelly Right Real Estate”): Kelly Right International owns 100% of Kelly Right Real Estate.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for the sale or purchase of a Property. THERE ARE FREQUENTLY OTHER SETTLEMENT-SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES; YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

Click Here to download a complete version of this Affiliated Business Agreement.

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