Modern Earth Finance

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Modern Earth Finance maintains relationships with numerous lenders in order to bring clients together with the best funding program for their needs.

We offer:

BUYING A HOME
First mortgages: conforming (under $417,000) and jumbo (above $417,000)

REFINANCE
Refinancing a 1st mortgage to consolidate debt, get cash out or obtain a better rate.

EQUITY LINES
A fixed 2nd mortgage or Home Equity Line Of Credit (HELOC). A loan attached to the equity in the property behind a 1st mortgage or that stands by itself.

CONSTRUCTION
Construction to perm: both the borrower and the project must qualify and it requires additional documentation. Construction funding turns into a permanent loan at the end of construction, usually without having to re-qualify for the permanent loan.

ENERGY EFFICIENT REVERSE MORTGAGE
This mortgage allows a homeowner to turn the equity in his/her home into cash over a period of time. In addition we help homeowners select energy efficient improvements that can reduce operating costs. Requires consultation with independent 3rd party specialist to insure borrower understands terms and consequences.

MICRO SBA LOANS
Non-collateral loans to finance small businesses up to $50,000 through SBA.

GOT A QUESTION? Call us. We are happy to walk you though the process for any of our loans. Confused by all the terms? We’ll explain them until you are comfortable. We always offer a no-obligation analysis that compares the cost and benefits of available loan programs that suit your needs. After that, it’s your choice.

We take our responsibility to our client seriously. We want to be your green mortgage advisers for life.