Modern Day Lending

Traditional Banks Are a Thing of the Past.

Financing designed around your financial story, not outdated underwriting. Welcome to Modern Day Lending.

How we help

What are you looking to do?

Whatever your goal, whether you want to buy, refinance, or tap your equity, we'll match you with the right loan and a fast path forward.

Hand holding a keyring near an open door

Purchase a house

3% Down

Buy your next home with competitive rates, low-down-payment options, and pre-approval in minutes.

Low DownFHA & VA
Get pre-approved
Calculator and a cup of coffee on a table

Refinance

Lower Rate

Lower your monthly payment, drop your rate, or shorten your term with a refinance built around your goals.

Rate & TermCash-Out
See my rate
Note reading โ€œpay debtโ€ beside a pen and glasses

Use my equity

Cash-Out

Turn your home's value into cash for renovations, debt payoff, or big goals with a HELOC or cash-out refi.

HELOCCash-Out
Check my equity

Real stories from our Real customers

September 2026

โ€œThis is now the second time we have used Modern Day lending and they have come through for us both times! If you are a small business owner you have to rely on these guys! They will work with you when other lenders don't understand the finances of a small business owner. They are easy to work with and great communicators and will go above and beyond to work with you.โ€

JD

J, Daniel

September 2026

โ€œI had a great experience throughout the entire process. Kim handled everything from start to finish, and I was able to communicate with her directly the entire time without being passed along to an assistant or other team members. She was always available, responsive, and made everything easy to understand. The process went very smoothly, and I would definitely recommend Kim to anyone looking for lending optionsโ€

LB

Lamar Beckley

September 2026

โ€œWould just like to say from my first conversation with Max to my many text messages to Kevin and the team, these people are special and the best at what they do. We were stuck my wife and I are self employed and had other obstacles to get by. The first day Max said tell me about the situation so I did He said I donโ€™t see a problem with that the team will be in touch with u shortly. Within a half hour Kevin and Billy reached out for info from then on I knew this company was different from that day on they would contact me daily with updates and if they needed something and to them it didnโ€™t matter if it was a Saturday or Sunday or at night would always get back to us. Donโ€™t want to go on and on but if you need a mortgage, refinance or whatever the situation may be if other companies couldnโ€™t get it done these guys without a doubt can do it. Canโ€™t say enough about them truly the most hardworking professional people in the business thank you, Rob Connell and family.โ€

CJ

Connell Jr., Robert J

September 2026

โ€œIโ€™ve had the pleasure of working with Jarrod on a few of my real estate deals, and I highly recommend him to any client looking for a knowledgeable, responsive, and trustworthy mortgage broker. As a real estate agent, having a reliable lending partner is extremely important, and Jarrod consistently goes above and beyond. Iโ€™m always confident referring my clients to Jarrod knowing they will be in great hands. A true professional and an excellent partner to have in the real estate business!โ€

SM

Sabrina McMahon

September 2026

โ€œRomy and the team were fantastic! They helped us secure the mortgage for our dream property and made the entire process smooth and stress-free. Everyone was professional, responsive, and great to work with from start to finish. As an investor and entrepreneur without a traditional income structure, getting the right mortgage can sometimes be challenging. Romy and his team understood my situation and were able to find a solution that worked for us. Awesome service and a great experience overall.โ€

KL

KAMLESH LAD

August 2026

โ€œThe people. The people. The people.โ€

PJ

Pryde, James

August 2026

โ€œJarrod and Modern Day Lending honestly exceeded our expectations. They let us know what was possible and supported us completely though-out the process. Fully recommend!โ€

IC

Isaiah Cook

August 2026

โ€œWe truly could not have asked for a better lending experience! Jarod and the entire team were absolutely incredible from start to finish. The whole process was so smooth, organized, and stress-free, which is something we are especially grateful for when making such a huge life decision. Communication was excellent every step of the way. We always knew what was happening, what was needed from us, and what to expect next. Any questions we had were answered quickly and thoroughly, and we genuinely felt like the team cared about us and wanted everything to go as smoothly as possible. Buying a home can be overwhelming, but Jarod and his team made the financing side feel easy. They were professional, knowledgeable, responsive, patient, and such a pleasure to work with. We are officially in our dream home now, and we are SO incredibly grateful for everyone who helped make it possible. We cannot thank Jarod and the team enough for all of their hard work and support throughout this process. We would recommend them without hesitation to anyone looking for a lender. Truly a 10/10 experience! ๐Ÿก๐Ÿคโœจโ€

GR

Gabby Rhinesmith

August 2026

โ€œI had an outstanding experience working with Louis Scavone, throughout the entire loan process for the purchase of our home. From the very beginning, Louis was professional, knowledgeable, responsive, and incredibly diligent. He guided us through every step of the process, always keeping us informed, answering our questions, and making sure everything moved forward as smoothly as possible. Purchasing a home and going through the mortgage process can be stressful, but having Louis on our side made a tremendous difference. He stayed on top of every detail, was always available when we needed him, and worked tirelessly to get us all the way to *Clear to Close*. What I appreciated most was his professionalism, patience, communication, and genuine commitment to helping us achieve our goal. After months of working toward this important milestone, reaching the finish line was an incredibly special moment for our family, and Louis played a major role in making it possible. I am truly grateful for everything he did for us and would absolutely recommend Louis Scavone to anyone looking for a Loan Officer who is dependable, knowledgeable, attentive, and truly committed to his clients. Thank you, Louis, for your dedication and for helping make this dream a reality for our family!โ€

A

Alejandra

August 2026

โ€œI am thankful for this Local Lending/ Mortgage Company for getting me through a scary financial situation in my transition from one home to another. The team was swift to act and monitoring the market for the best interest rate options I could get. They review all the details of your financial situation and advise you in the best interest to be sustainable with more than one option. They have informed me that they continue to monitor the market to provide the option to lower the interest rate when the time comes. Daniel Escobar and his team donโ€™t just provide a mortgage, they are putting in the time for best interest of your family, regardless of whether you choose them or not. They are on your side and provide excellent advice. Daniel is always responsive to questions and answers them within a reasonable time. They do not leave you hanging. The best part about Daniel and his team is that they are local and they know the community. They know your needs and individualize each plan specifically to ensure you get the home you want and love. They continue to follow through even when youโ€™re done with all of the logistics. They are informative and knowledgeable. I recommend Daniel and his team 100%.โ€

LW

Lori Wells

July 2026

โ€œRomy was outstanding. Very responsive. Process was relatively easy. Not always easy when you are self employed. I will definitely use him again.โ€

W

Wally

July 2026

โ€œBilly and Jenn are amazing . Everything was super professional and they made the process super easy. Great team and super great companyโ€

J

Jrusko

Why Choose Us

Get the help you need, today.

Smart solutions. Fast closings. Trusted by borrowers nationwide.

Self-employed

Self-Employed

No traditional income docs

Asset-based

Asset-Based

Qualify using your assets

Investment property

Investment Property

Rental & portfolio income

Alternative Income Programs

Flexible qualifying for self-employed borrowers and investors. No traditional income documentation is required.

Application Submitted

Document Review

Underwriting

Closing Scheduled

Fast Closings

Our streamlined process and quick turnarounds help most borrowers move from application to closing in weeks, not months.

Nationwide
50 States

Licensed Nationwide

Serving homeowners in all 50 states with confidence.

Simple Steps, Clear Process

Connect With Our Team

Connect With Our Team

Schedule a consultation with a mortgage expert.

Review Your Options

Review Your Options

We'll compare programs and find the best fit.

Celebrate Your Closing

Celebrate Your Closing

Close confidently with support every step of the way.

Get Pre-Approved
Your goals

Your Goals

Structured around your plan

Loan program

Loan Program

Tailored to your situation

Your loan officer

Your Loan Officer

Matched to your goals

Personalized Loan Solutions

Every borrower is unique. We tailor mortgage solutions around your goals, financial situation, and future plans.

Find your fit with our flexible loan solutions!

Loan Programs

Asset-based Loans

Qualify using your assets instead of income. A hassle-free path to a mortgage for borrowers with strong liquidity but non-traditional income.

Jumbo Mortgages

High-value home financing with competitive rates and flexible terms, built for loan amounts beyond conforming limits.

Self-Employed Mortgages

Flexible loan options for business owners and entrepreneurs. Qualify without traditional income docs using bank statements or P&L.

Cash-out Refinance

Tap into your home's equity for cash while lowering your monthly payments and consolidating higher-interest debt.

Piggyback Loans

Lower your down payment, avoid PMI, and maximize your buying power with a second loan layered on top of your first.

Real Estate Investment

Tailored loan solutions for rental properties, flips, and multifamily investments built around your portfolio's cash flow.

Recent Fundings

We are committed to helping individuals and families achieve their homeownership goals.

View All
Bank Statement

Project name:

Bank Statement

Location:

Key West, FL

Closing amount:

$3,500,000

Bridge Loan

Project name:

Bridge Loan

Location:

New York

Closing amount:

$3,000,000

Bank Statement

Project name:

Bank Statement

Location:

Colorado

Closing amount:

$2,400,000

Single Family Home

Project name:

Single Family Home

Location:

FL

Closing amount:

$2,200,000

Bank Statement

Project name:

Bank Statement

Location:

Brigantine, NJ

Closing amount:

$2,135,000

Bank Statement

Project name:

Bank Statement

Location:

Escondido, CA

Closing amount:

$2,000,000

Bank Statement

Project name:

Bank Statement

Location:

Stratton, VT

Closing amount:

$1,904,000

Bank Statement

Project name:

Bank Statement

Location:

Chatsworth, CA

Closing amount:

$1,800,000

Ready to get started?

Talk to a real person from our team right now.