Why Modern Lending?

  • No Appraisal Fee
  • No Lender Fees
  • Faster Closings
  • Real Time Updates
  • Top Loan Officers in the country

We are constantly striving to exceed your expectations!

Our Mortgage Guide

Our blog is constantly updated with mortgage news, advice, and strategy. Topics like “I want to buy a home, but where to I begin” and “How to repair your credit for a mortgage” will give you the insight our decades of experience offers.

Our Price Guarantee

Our efficient loan process, designed by the country’s top producing loan officers, allows us to remove the corporate fluff and provide our clients extremely competitive rates. We strive to offer our clients competitive mortgage rates to save you the hassle of rate-shopping. If you do find a better rate for your home purchase, we’ll match it!*

$0

$2.1 Billion

In total funded loans between

all three partners of Modern Lending.

$2.1 Billion

In total funded loans over the past 13 years between all four members of The Modern Lending Team.

Hi, I’m Brian

I am the Managing Director of Modern Lending. My goal is to ensure clients are receiving the best experience possible at all times with their loan office. Prior to founding ML I was one of the highest producing loan officers of all time, finishing in the Top 10 in 2018.  As a natural progression in my career founding Modern Lending was motivated by my passion and dedication to helping individuals become homeowners.  I have partnered with some of the top loan officers in the industry to ensure clients are guaranteed to receive the extremely competitive rates without sacrificing five star service.  Meet Modern Lending’s Top Loan Officers.

I’m a partner here at Modern Lending. I ensure we make getting a mortgage easy. We’re available on your schedule over text, email, or phone. Let’s chat.

I’m a partner here at Modern Lending. I am here to ensure that getting a mortgage is easy. We’re available on your schedule over text, email, or phone. Let’s talk.

I’m the head Loan Officer here at Modern Lending. I am here to ensure that getting a mortgage is easy. We’re available on your schedule over text, email, or phone. Let’s talk.

Hi, I’m Dan

I’m the Operations Manager here at Modern Lending. I am here to ensure that getting a mortgage is easy. We’re available on your schedule over text, email, or phone. Let’s talk.

I’m a Loan Consultant here at Modern Lending. I am here to ensure that getting a mortgage is easy. We’re available on your schedule over text, email, or phone. Let’s talk.

From the inside out.

Our team and our culture is fueled by passion: for what we do, for the people we do it for, and for the people we work alongside. 

Here are a few of the over 900 reviews our team members have received from our raving fans online.

Brian Decker is amazing. We contacted him to get pre-approval for a home purchase. After submitting the necessary documents we received our loan approval in record time. Brian is very knowledgeable and keeps constant communication with you during the entire process. We were amazed to received video messages from him with status updates of where we were in the process. I would highly recommend Brian to all friends and family that are looking to buy or refinance a new or existing loan.

Mary Lujan, May 5, 2019

Super personable, responsive and efficient! Brian Decker and his team operates like a well oiled machine. I was so impressed with their operations, it was top notch! They kept me in the loop every step of the way and closed my loan in lightening speed. 5 star and highly recommend for a trustworthy team.

Sonya Taing, March 19, 2019

I was impressed with the amount of attention I received from Brian and his team right from the start. They clearly communicated at each step of the process. When we decided to back out on one property and go with another the Decker Team rolled along with everything and didn’t miss a beat. If you want your loan done right, in a professional and proficient manner, than Brian and his team are the right choice for you.

Jason Griffith, May 14, 2019

Brian and his team did a fantastic job putting together my loan. They paid attention to every detail, communicated brilliantly, and met every expectation I had. If you’re looking to get a loan in Southern California, Brian Decker and his team are a fantastic choice.

Greg Keele, March 27, 2019

The whole lending process was easy and convenient. The team members were all patient, kind, knowledgeable and helpful. For us it felt like a good balance of being moved along through well oiled system (including the online portal), with a personal touch and individualized care from the team. We also appreciated the many choices we were given along the way, especially concerning interest rates and lender credits.

Milissa Faulkner, March 11, 2019

Brian and the Modern Lending Team were a class act and made the loan process easy. They communicated with my wife & I on a regular basis and were prompt in returning our phone calls and e-mails to answer our questions. I recommend Modern Lending to anyone financing a home loan.

Lonnie Nash, April 14, 2019

*Special offer available for purchase first mortgages. Certain product exclusions may apply. You must lock your rate with Modern Lending a division of Gapital Mortgage, Inc. prior to submitting rate match request to qualify for this offer. Loan Estimate from competing lender must be dated and received within two calendar days of locking your interest rate at Modern Lending. Please note that other documentation used to show competitors’ terms will not qualify for offer. The terms of the competing loan must be identical to our mortgage loan; for example, a 30-year fixed-rate product with mortgage insurance is not identical to a Modern Lending 30-year fixed-rate product that does not have mortgage insurance. If the loan does not close within the commitment period, the rate match may be voided. Note: The initial Loan Estimate from a wholesale lender/broker is not an acceptable document for a rate match submission unless the Lender Information section on the Loan Estimate is completed.

Ready to get started?

Get pre-approved for a mortgage or refinance today!