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About American Modern Mortgage

We're not just here to close loans. We're here to help open doors.

At American Modern Mortgage, we believe the mortgage process should be simple, transparent, and tailored to each client's goals. We combine modern technology, strategic financing solutions, and hands-on guidance to create a smoother home financing experience from application to closing.

Our team specializes in helping homebuyers, homeowners, and real estate investors navigate today's market with confidence. Whether you're purchasing your first home, refinancing, investing in real estate, or expanding your portfolio, we work to structure financing solutions that fit your needs — not just a one-size-fits-all approach.

We offer a wide range of loan programs including Conventional, FHA, VA, Jumbo, DSCR, Non-QM, Bank Statement, and Investor financing options. Our focus is on clear communication, fast execution, and proactive problem-solving to help clients move forward confidently and efficiently.

At American Modern Mortgage, relationships come first. We are committed to building long-term partnerships through honesty, responsiveness, and dependable service — helping clients and referral partners succeed every step of the way.

Loan Programs we provide

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Why Choose Us

Why They Choose American Modern Mortgage

  • Personalized guidance

    Our dedicated experts provide tailored advice to meet you unique financial needs.

  • Competitive rates

    Access to the best rates and flexible terms to save your money

  • Diverse Loan Products

    From conventional to specialized loans, we have options for every borrower.

  • Fast Approvals

    Streamlined applications and quick approvals to get you funded faster

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Our Team

Meet Our Mortgage Professionals

Bryan Duarte

Producing Branch Manager

Professional Background

Bryan Duarte is a mortgage professional, branch leader, and trusted advisor dedicated to helping clients build wealth through real estate. With deep experience in residential financing, Bryan specializes in helping first-time homebuyers, move-up buyers, investors, and self-employed borrowers navigate the mortgage process with confidence.

As founder of American Modern Mortgage, Bryan has built his business around one simple belief: communication, speed, and solutions matter. Known for being highly accessible, strategic, and hands-on, he works closely with clients, Realtors®, and business partners to structure financing that aligns with both short-term goals and long-term financial success.

Bryan and his team pride themselves on delivering a concierge-level experience—from pre-approval to closing—while making even complex loan scenarios feel clear and manageable. Whether helping a family purchase their first home, structuring financing for an investor, or solving challenges other lenders couldn’t, Bryan is committed to creating results and relationships that last.

Licensed to serve clients across multiple states, Bryan brings a modern approach to mortgage lending, combining technology, personal service, and relentless follow-through.

Outside of business, Bryan is passionate about leadership, personal growth, team development, and helping others create opportunities through real estate.

Barbara Higbie
Barbara Higbie

Branch Processor

Professional Background

With a strong commitment to accuracy, efficiency, and client satisfaction, Barbara is a dedicated loan processor who plays a vital role in turning homeownership dreams into reality. With extensive knowledge of mortgage guidelines and documentation requirements, she ensures that every loan file is handled with precision from application to closing.

Known for exceptional attention to detail and clear communication, Barbara works closely with loan officers, underwriters, and clients to streamline the loan process and prevent delays. Her proactive approach helps identify potential issues early, creating a smoother, stress-free experience for borrowers.

Whether working with first-time homebuyers or seasoned investors, Barbara is passionate about delivering reliable support behind the scenes and maintaining the highest standards of professionalism and integrity.

At American Modern Mortgage, Barbara is proud to contribute to a team that values transparency, trust, and outstanding service every step of the way.

Zaimed Rivera
Zaimed Rivera

Loan Partner

Professional Background

As a bilingual loan officer assistant, Zaimed specializes in delivering personalized support to both English- and Spanish-speaking clients throughout the mortgage journey. She is passionate about building strong client relationships, maintaining efficient communication, and helping ensure every transaction moves smoothly from application to closing.

Gabriel Rivera
Gabriel Rivera

Client Services Coordinator

Professional Background

Helping busy loan officers stay organized, efficient, and client-focused. From scheduling and communication to document coordination and follow-ups, Gabriel provides reliable behind-the-scenes support that keeps the mortgage process moving smoothly and professionally.

Mortgage Calculator

LET'S CALCULATE YOUR MORTGAGE

Use our interactive calculator below to estimate your monthly payments and see exactly what you can afford. Get instant results with our professional mortgage calculator. Have any questions about your results? Speak to a professional.

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Estimate your payment

What can I afford?

With this mortgage calculator, you can easily determine your estimated monthly payment, as well as how much interest you might pay and your projected principal balances. You can also input prepayment amounts to see their impact on your mortgage.

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Monthly Payment
$2,268.33
Principal & Interest $1,964.17
Monthly Taxes $204.17
Monthly HOA $50.00
Monthly Insurance $50.00