# Modern Home Lending

> Modern Home Lending (Modern Lending, LLC DBA Modern Home Lending, NMLS #1738930) is an independent mortgage broker headquartered in Scottsdale, Arizona, serving borrowers in Arizona, Colorado, Florida, and Georgia. As a mortgage broker — not a lender — the company shops a network of 40+ wholesale lenders to match each borrower with financing tailored to their situation.

Key facts:

- Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent Lender.
- Licenses: NMLS#1738930 | AZMB#0947744 | CO#1738930 | GA#1738930 | FL#MBR4862
- NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1738930
- Office: 4250 N Drinkwater Blvd #300, Scottsdale, AZ 85251
- Phone: (480) 598 8700 · Email: info@modernhomelending.com
- President: Evan Einhorn

## Loan programs

- [Conventional Loans](https://www.modernhomelending.com/conventional-loan): Fixed- and adjustable-rate conforming loans
- [FHA Loans](https://www.modernhomelending.com/FHA-loan): Government-insured loans with flexible qualifying
- [VA Loans](https://www.modernhomelending.com/VA-loan): Loans for eligible veterans, service members, and surviving spouses
- [Jumbo Loans](https://www.modernhomelending.com/jumbo-loans): Financing above conforming loan limits
- [Reverse Mortgages](https://www.modernhomelending.com/reverse-mortgage): Home equity access for homeowners 62+
- [Renovation Loans](https://www.modernhomelending.com/Renovation-Loan): Purchase or refinance plus improvement costs in one loan
- [DSCR Rental Loans](https://www.modernhomelending.com/DSCR-Rental-Loan): Investor loans qualified on rental cash flow
- [Self Employed Loans](https://www.modernhomelending.com/self-employed-loans): Alternative documentation options for business owners
- [HELOC / 2nd Mortgages](https://www.modernhomelending.com/heloc): Home equity lines and second-lien options
- [Investment Property HELOC](https://www.modernhomelending.com/investment-heloc): HELOCs and 2nd mortgages on rental properties, a product most banks do not offer: only 9 of the 40+ wholesale lenders on Modern Home Lending's panel offer one, and exactly one goes up to 90% CLTV. Automated closings in as little as 1 to 3 days, DSCR (rent-based) qualifying with no tax returns, and LLC vesting on some programs. Available in AZ, CO, FL, and GA.
- [Non-Warrantable Condo Loans](https://www.modernhomelending.com/non-warrantable-condo-loans): Financing for condos that fail Fannie Mae / Freddie Mac project review. The agencies retired the limited condo review for most attached projects on August 3, 2026 (reserve minimum rises to 15% of assessment income on January 4, 2027); Modern Home Lending's specialty lending partners still qualify projects off a 2-page limited-review questionnaire with no HOA budget, reserve-study, or delinquency tests. As little as 15% down on primary homes, 20% to 25% down on second homes and investment properties, commercial space to 50%. Condotels, timeshares, and buildings with genuine structural or safety problems are ineligible.

## Start here

- [Purchase](https://www.modernhomelending.com/purchase): Buying a home, start to finish
- [Refinance](https://www.modernhomelending.com/refinance): Restructure an existing mortgage
- [Custom Rate Quote](https://www.modernhomelending.com/custom-rate-quote): 30-second, no-cost quote request

## Company

- [Our Team](https://www.modernhomelending.com/team): Licensed loan officers, each listed with their individual NMLS ID
- [FAQ](https://www.modernhomelending.com/frequently-asked-questions): Answers to common mortgage questions
- [Blog](https://www.modernhomelending.com/blog): Mortgage guides and local Arizona market topics
- [Privacy Policy](https://www.modernhomelending.com/privacy-policy)