The Modern Mortgage Solution
Get fast answers and flexible solutions tailored to your goals—without the stress or confusion.
Confidence from start to close
21+
Years Experience
$18+
Loans Funded
500+
Homeowners Nationwide
Modern Lending. Personal Touch.
At Modern Mortgage Solutions, we’re more than lenders—we’re partners in helping families across California find their place to call home. Founded in 2022, we combine a modern, efficient loan process with personalized guidance tailored to your needs. From FHA and VA loans to jumbo options, our expert team delivers competitive rates without ever compromising on integrity, service, or care. Whether you’re looking for the best mortgage lenders in California or guidance on specialized loan programs, the Modern Mortgage Solution is not just about closing deals—it’s about helping families open new doors to their future.
Find the right mortgage for your next move
Buy smarter. Move faster.
Get the right mortgage with competitive rates and a seamless process designed for today’s buyer.
- Fast pre-approval
- Competitive fixed and adjustable rates
- Personalized loan options to match your goals
Refinance and save more.
Lower your monthly payments, access equity, or switch to a better loan—refinancing made easy.
- Lower interest rates and reduce payments
- Cash-out options available
- Fast, simple refinance process
Hear It from Our Customers
You are definitely the best!!
"When one begins the difficult and often emotionally taxing process of purchasing a home, The Tubera Team are the people you want to have in your corner! They guide you every step of the way so that the mortgage loan application goes smoothly, and you can get into the home of your dreams! Gabe Duarte was both personable and professional, and we couldn’t have been in safer hands. Thank you, Tubera Team, you are definitely the best!!"
- Mandy Manzano
- March 2025
Highly recommend Gabe Durate as your loan officer
Had the opportunity to work with Gabe Duarte as a first time home buyer and he helped me get approved for a loan with a speciak case like mine. I had only been working for 6 months with a part time schedule and was rejected by multiple loan lenders. Gabe worked on my case for days and was able to find a lender that got me approved for a loan and I was able to purchase my first home just a few weeks after approval. Thanks to Gabe and his team, there were no major bumps along the way and escroe went through smoothly. My husband and I will forever be grateful for Gabe and his team for helping us get approved for a loan. Highly recommend Gabe Durate as your loan officer.
- Michelle Haro
- July 2024
She absolutely stuck to her word.
I had a bit of an unusual situation with my home purchase which undoubtedly created considerably more work for the Tubera team. Sara had told me what would happen and what costs would be, and she absolutely stuck to her word. I am highly impressed with this team and honestly feel five stars is not enough
- Michael Lea
- May 2024
Thank you Gabe & Sara!
Gabe & Sara made the process for my Heloc pain free & quick. They answered all my questions and made me feel comfortable. I’m a returning client of theirs and I highly recommend them. Thank you Gabe & Sara!I am highly impressed with this team and honestly feel five stars is not enough
- Valerie Fabela
- May 2024
I highly recommend using Gabe and his team
Gabe was extremely helpful throughout the entire process. He was informative and answered all my questions in a timely manner. I highly recommend using Gabe and his team if you’re looking to purchase a home.
- Zach Gurr
- May 2024
I highly recommend using Gabe and his team
Such an easy and pleasant experience working with Gabe!
- Laurence Van Dusen
- March 2025
I highly recommend using Gabe and his team
Thank you so much for helping me and my family get our dream home
- Ray Wong
- May 2024
At Modern Mortgage, we understand that a home is more than just a purchase; it’s the heart of a family’s future. As a leading mortgage broker in California, founded in 2022, we’ve made it our mission to simplify the process of securing home loans in California while delivering personalized, thoughtful solutions for families across the state.
- Ouick Links
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