Why Modern Lending?

  • No Upfront Appraisal Fee
  • No Upfront 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 Blog

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!*

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$2.1 Billion

In total funded loans between

all 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.

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.


30070 Temecula Parkway

Suite 201

Temecula, CA 92592

Brian Decker is amazing. We received our loan approval in record time.  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. They kept me in the loop every step of the way and closed my loan in lightening speed.  Sonya Taing, March 19, 2019
I was impressed with the amount of attention I received from Brian and his team right from the start. 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 and communicated brilliantlyIf you’re looking to get a loan in Southern California, Brian Decker and his team are fantastic. Greg Keele, March 27, 2019
The whole lending process was easy and convenient. The team members were all patient, kind, knowledgeable and helpful. We also appreciated the many choices we were given along the way. 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. 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 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.

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Get pre-approved for a mortgage or refinance today!

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