Home Loans & Refinancing » Modern Mortgage Financial, LLC

    EXCELLENT  
  447 reviews
 
 
        Posted on Google  
   
   Carolyn Williamson 
 August 6, 2026
 
 
   My name is Carolyn. I just closed with modern mortgage financial. Michael P. Was my contact. The transition was smooth. He kept me informed every step of the way. It was the best experience I've ever had when dealing with refinancing.
  
 
 
      Posted on Google  
   
   Rick Biehl 
 July 31, 2026
 
 
   Great service,  keep well informed thru the whole process. AAA
  
 
 
      Posted on Google  
   
   N8yy 
 July 31, 2026
 
 
   I had an outstanding experience with Modern Mortgage Financial, and I can't recommend them enough. Michael Palo was exceptional throughout the entire refinance process. He was knowledgeable, professional, and always available to answer my questions, making what could have been a stressful experience feel simple and straightforward. It made everything very laymen for my wife and I. He took the time to explain every step, kept me informed from start to finish, and worked hard to secure a refinance that met my needs. His attention to detail, responsiveness, and commitment to excellent customer service truly set him apart. If you're looking to refinance your mortgage or need a lender you can trust, I highly recommend Modern Mortgage Financial and especially Michael Palo. Thank you for making the process smooth and successful!
  
 
 
      Posted on Google  
   
   Grace Hayes 
 July 31, 2026
 
 
   Working with Michael Palo was hands down the best mortgage experience I’ve ever had. During what was a very stressful time in my life, Michael made the entire process feel manageable. He took the time to explain everything in a way that was easy to understand and never made me feel rushed or overwhelmed. I actually learned so much throughout the process because he genuinely cared about making sure I understood every step. What really set Michael apart was that he didn’t just present one option—he walked me through multiple financing options, clearly explaining the pros and cons of each so I could make the decision that was right for me. I always felt informed, never pressured. His communication was incredible. No matter when I had a question, he was available, responsive, and always willing to go above and beyond to help. On top of that, everything moved faster than any mortgage process I’ve been through before, which made a huge difference. If you’re looking for a mortgage broker who is knowledgeable, honest, patient, and truly has your best interests at heart, I can’t recommend Michael Palo highly enough. He turned what could have been an overwhelming experience into one that left me feeling confident, supported, and grateful. Thank you, Michael, for everything you did!
  
 
 
      Posted on Google  
   
   Fawaz Albalawi 
 July 31, 2026
 
 
   I can’t recommend Monti enough! From the very beginning, he made the entire mortgage process simple, clear, and stress-free. He took the time to answer every question I had, explained everything in a way that was easy to understand, and always kept me updated throughout each step. His professionalism, honesty, and attention to detail really stood out, and I always felt like he had my best interests in mind. What impressed me the most was how responsive and dedicated he was. No matter when I reached out, he was quick to respond and made sure I felt confident and informed. It’s clear that he genuinely cares about his clients and goes above and beyond to provide excellent service. If you’re looking for someone who is trustworthy, knowledgeable, and committed to making the mortgage process as smooth as possible, Monti is the person to work with. Thank you for all your hard work and support—I truly appreciate everything you did, and I wouldn’t hesitate to recommend you to my friends and family!
  
 
 
      Posted on Google  
   
   Eric Krueger 
 July 29, 2026
 
 
   Aiden Qasawa did an incredible job working with me on our HELOC refi!  He provided phenomenal customer service and was very responsive throughout the entire process!  I’d recommend Aiden 10 out of 10 times!!
  
 
 
      Posted on Google  
   
   Cameron Carroll 
 July 29, 2026
 
 
   Henry and Tyler were great to work with, very knowledgeable and they made the process easy. Highly recommended them if you’re needing mortgage services.
  
 
 
      Posted on Google  
   
   Trevor Pierce 
 July 29, 2026
 
 
   The whole process went great Joey Brewer helped me out throughout the whole process with any questions I had. When he first reached out to me I didn’t even need a loan but he left such an impression I remembered him when I did! Emily Callahan ate up all the fees she could to really make me feel I was getting what I wanted! Honestly all and all a great experience!
  
 
 
      Posted on Google  
   
   Jerry Ripple 
 July 29, 2026
 
 
   I recently got a HELOC with Jacob Tyler at Modern Mortgage Financial, and it was the smoothest mortgage experience I’ve ever had. From my first call with Jacob to the day I signed with the notary, the whole process took only 8 days. Jacob and his manager, Kaleb, were both easygoing and extremely professional. They kept everything clear, answered all my questions quickly, and made the process  feel completely stress-free. I would highly recommend Jacob and his team to anyone for their home loan.
  
 
 
  
 
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Anthony helped me take equity out of my home and the process could not have went smoother!! Props to Modern Mortgage for making this the easiest refinance yet!!! Jonell Roman - March 22, 2024
Wow. This is one of if not the best Mortgage Financial Co in the great nation. I've tried multiple ones but none as efficient and effective as Mordern Mortgage. Thank you Team. Bruce C Gann - March 22, 2024
When I worked with modern mortgage I was placed with Jordan and they called me for a new home loan. I was paying 5.5% and Jordan got me 2.5% and wrapped it all up in a week or two. I never seen a home loan close so quick. I was just called by Jordan to… Larry Springman - April 21, 2022
Max Almosawi and Jordan Qasawa met all our expectations. They worked above and beyond to meet all their goals! We closed within 2-1/2 weeks, as they stated. Max always answered my texts and emails, within minutes. I will always stay with them, for all our mortgage needs for us, family and friends. Thank you. Tonya Tonya M. Santana - December 28, 2021
My wife and I had an exceptional experience working with Modern Mortgage Financial. We were closed out in less than 2 1/2 weeks as promised and were dealt with the upmost respect. 5++++ star company in my book. All the way from Columbus, MS THANK YOU!! Thomas Puckett - November 29, 2021
Zaid helped us close in less than 2 weeks! He was very helpful the whole process and was always polite no matter the amount of questions we asked. Have referred all my friends here in California to this company. Thanks again Zaid and Modern! Francisco Ilog - October 29, 2021

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

Purchase Price $

Mortgage Term

Down Payment ($)

Annual Taxes ($)

Interest Rate (%)

Mortgage Insurance Rate (%)

Annual Insurance $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

Purchase Price $

Mortgage Term

Down Payment ($)

Annual Taxes ($)

Interest Rate (%)

Annual Insurance $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

Veteran Status

First Time VA Loan

Purchase Price $

Mortgage Term

Down Payment ($)

Interest Rate ($)

4.5%

Annual Taxes ($)

Annual Insurance ($) $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

Curious about refinancing your home in Michigan? Now may be the right time to start saving money every month!

Current Loan Amount $

Interest Rate %

Current Term months

Origination Year

New Loan Amount $

New Interest Rate %

New Loan Term months

Refinance Fees $

Want a Copy of the Results?

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

Annual Income $

Monthly Debts $

Estimated annual property taxes $

Estimated Annual Home Insurance $

Down Payment $

Interest Rate %

Loan Term

Want a Copy of the Results?

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

Carolyn Williamson

August 6, 2026

My name is Carolyn. I just closed with modern mortgage financial. Michael P. Was my contact. The transition was smooth. He kept me informed every step of the way. It was the best experience I've ever had when dealing with refinancing.

Rick Biehl

July 31, 2026

Great service, keep well informed thru the whole process. AAA

N8yy

I had an outstanding experience with Modern Mortgage Financial, and I can't recommend them enough. Michael Palo was exceptional throughout the entire refinance process. He was knowledgeable, professional, and always available to answer my questions, making what could have been a stressful experience feel simple and straightforward. It made everything very laymen for my wife and I. He took the time to explain every step, kept me informed from start to finish, and worked hard to secure a refinance that met my needs. His attention to detail, responsiveness, and commitment to excellent customer service truly set him apart. If you're looking to refinance your mortgage or need a lender you can trust, I highly recommend Modern Mortgage Financial and especially Michael Palo. Thank you for making the process smooth and successful!

Grace Hayes

Working with Michael Palo was hands down the best mortgage experience I’ve ever had. During what was a very stressful time in my life, Michael made the entire process feel manageable. He took the time to explain everything in a way that was easy to understand and never made me feel rushed or overwhelmed. I actually learned so much throughout the process because he genuinely cared about making sure I understood every step. What really set Michael apart was that he didn’t just present one option—he walked me through multiple financing options, clearly explaining the pros and cons of each so I could make the decision that was right for me. I always felt informed, never pressured. His communication was incredible. No matter when I had a question, he was available, responsive, and always willing to go above and beyond to help. On top of that, everything moved faster than any mortgage process I’ve been through before, which made a huge difference. If you’re looking for a mortgage broker who is knowledgeable, honest, patient, and truly has your best interests at heart, I can’t recommend Michael Palo highly enough. He turned what could have been an overwhelming experience into one that left me feeling confident, supported, and grateful. Thank you, Michael, for everything you did!

Fawaz Albalawi

I can’t recommend Monti enough! From the very beginning, he made the entire mortgage process simple, clear, and stress-free. He took the time to answer every question I had, explained everything in a way that was easy to understand, and always kept me updated throughout each step. His professionalism, honesty, and attention to detail really stood out, and I always felt like he had my best interests in mind. What impressed me the most was how responsive and dedicated he was. No matter when I reached out, he was quick to respond and made sure I felt confident and informed. It’s clear that he genuinely cares about his clients and goes above and beyond to provide excellent service. If you’re looking for someone who is trustworthy, knowledgeable, and committed to making the mortgage process as smooth as possible, Monti is the person to work with. Thank you for all your hard work and support—I truly appreciate everything you did, and I wouldn’t hesitate to recommend you to my friends and family!

Eric Krueger

July 29, 2026

Aiden Qasawa did an incredible job working with me on our HELOC refi! He provided phenomenal customer service and was very responsive throughout the entire process! I’d recommend Aiden 10 out of 10 times!!

Cameron Carroll

Henry and Tyler were great to work with, very knowledgeable and they made the process easy. Highly recommended them if you’re needing mortgage services.

Trevor Pierce

The whole process went great Joey Brewer helped me out throughout the whole process with any questions I had. When he first reached out to me I didn’t even need a loan but he left such an impression I remembered him when I did! Emily Callahan ate up all the fees she could to really make me feel I was getting what I wanted! Honestly all and all a great experience!

Jerry Ripple

I recently got a HELOC with Jacob Tyler at Modern Mortgage Financial, and it was the smoothest mortgage experience I’ve ever had. From my first call with Jacob to the day I signed with the notary, the whole process took only 8 days. Jacob and his manager, Kaleb, were both easygoing and extremely professional. They kept everything clear, answered all my questions quickly, and made the process feel completely stress-free. I would highly recommend Jacob and his team to anyone for their home loan.

Mortgages Made Easy

Modern Mortgage Financial, LLC

President/CEO
NMLS# 2060573

Explore Your Loan Options

Estimate Your Mortgage Payment

What's Your Home Worth Today?

Real Customer Experiences

Mortgage Calculators

$1421

Monthly Payment

$1421

Monthly FHA Payment

$1421

Monthly VA Payment

Refinancing could save you

$/month

You can afford up to

$

The Fed Raised Rates. That Is Not Why Your Mortgage Moved.

Daily Quotes Just Cleared 7%. Inventory Hit a Decade High.

Freddie Mac Just Hit 6.71%. The Refinance Door Is Shut.

Get in Touch

Modern Mortgage Financial, LLC

Send an Email

Mortgages Made Easy

Modern Mortgage Financial, LLC

President/CEO NMLS# 2060573

Explore Your Loan Options

Estimate Your Mortgage Payment

What's Your Home Worth Today?

Real Customer Experiences

Mortgage Calculators

$1421

Monthly Payment

$1421

Monthly FHA Payment

$1421

Monthly VA Payment

Refinancing could save you

$/month

You can afford up to

$

The Fed Raised Rates. That Is Not Why Your Mortgage Moved.

Daily Quotes Just Cleared 7%. Inventory Hit a Decade High.

Freddie Mac Just Hit 6.71%. The Refinance Door Is Shut.

Get in Touch

Modern Mortgage Financial, LLC

Send an Email

President/CEO
NMLS# 2060573