Mortgages

Home loans built around your life

Fixed and variable home loans with transparent rates, fast approvals, and guidance from application to closing. Every fee is explained before you sign.

A family outside their new home after closing on a Modern Bank mortgage
6.49%APR on 30-year fixed
Overview

Buying a home should feel exciting, not exhausting

Our mortgage specialists work with you from pre-approval through closing, explaining every rate and fee along the way. Whether you are a first-time buyer, refinancing, or purchasing an investment property, you get the same clear process and the same human advisor.

  • Transparent rates. Every rate and fee appears in your loan estimate before you commit.
  • Fast pre-approval. Most pre-approvals are issued within one business day of a completed application.
  • Dedicated loan officer. One point of contact from application through closing.
  • Digital document upload. Upload, sign, and track every step from your phone.
Loan programs

Find the right mortgage for your situation

Choose from four proven programs, each with clear terms and a dedicated advisor.

Fixed-Rate

30, 20, 15, and 10-year terms with a rate that never changes.

Adjustable-Rate

Lower initial rate with caps that protect your payment when rates shift.

Refinancing

Lower your rate, shorten your term, or access home equity with a cash-out refinance.

First-Time Buyer

Low down payment options and dedicated first-time buyer specialists.

Start your mortgage application today

Get pre-approved in as little as one business day. Our loan officers will guide you through every step.