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About Us

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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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Bank Statement Loans
Bank Statement Loans

Qualify for a home loan using your bank statements — not your tax returns. Bank Statement Loans are designed for self-employed borrowers, business owners, freelancers, and 1099 earners whose tax returns may not fully reflect their true income. Instead of relying on W-2s or AGI, lenders review 12 or 24 months of personal or business bank statements to calculate qualifying income. This makes homeownership possible for entrepreneurs and independent professionals who have strong cash flow but complex tax filings. Why Choose a Bank Statement LoanQualify using 12 or 24 months of bank statements. No tax returns, W-2s, or pay stubs required. Great option for self-employed and 1099 borrowers. Available for primary residences, second homes, and investment properties. Competitive loan amounts, including jumbo levels.How Bank Statement Loans WorkLenders review personal or business bank statements to determine income. Deposits are averaged to establish qualifying monthly income. Borrowers must show consistent cash flow and a stable business. Credit, assets, and reserves are reviewed alongside deposits. Fixed-rate and adjustable-rate options are available.

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Blanket Portfolio
Blanket Portfolio

A Blanket Portfolio Loan allows real estate investors to bundle multiple properties—such as homes, commercial buildings, or rental units—under a single mortgage. This streamlined financing option simplifies management and payments by replacing separate loans with one loan that covers your entire portfolio. Ideal for investors looking to acquire, refinance, or manage several properties at once, it provides flexibility, efficiency, and an easier way to scale your real estate investments smarter and faster. Why choose a blanket portfolioSingle loan, simplified management: Consolidate multiple properties under one mortgage, streamlining oversight and reducing the burden of managing separate loans.Covers acquisition and rehab costs: Finance the purchase and renovation of multiple properties within one loan, with the option to roll costs into long-term debt.One monthly payment: Enjoy the convenience of a single monthly payment for your entire portfolio, improving cash flow and financial tracking.Flexible exit strategy: Includes “carve-out” provisions that allow individual properties to be sold without triggering full loan repayment.Increased leverage and efficiency: Loan-to-value (LTV) ratios typically range from 70% to 80%, giving you access to more capital with less cash upfront.Works with lower-value properties: Eligible property values can start as low as $40,000 per unit, making it accessible for smaller-scale investments.Supports portfolio growth: Enables scalable expansion by leveraging the combined strength of your portfolio rather than qualifying each property individually.Potential cost savings: Reduce total loan fees and interest costs by financing your entire portfolio with a single lender and structure.How blanket portfolios workInitial Consultation and Portfolio Review: Share your investment goals and details of all properties you want to include.Loan Application and Documentation: Provide financial information and property details for your portfolio.Property Appraisal and Portfolio Valuation: Each property is appraised to assess combined value and risk.Underwriting and Loan Structuring: The lender reviews your portfolio and credit to create a tailored loan plan.Loan Offer and Terms Agreement: Receive and review loan terms covering the entire portfolio.Closing and Funding: Sign documents, pay closing costs, and consolidate your properties under one loan.

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Bridge / Rehab / Commercial
Bridge / Rehab / Commercial

A rehab loan, also known as a renovation loan, is a type of loan used to finance the purchase and renovation of a property. It is a good option for someone who wants to buy a fixer-upper or an older property in need of repairs and upgrades, as it allows them to combine the cost of the purchase and the renovation into one loan. Rehab loans typically offer flexible terms and may include various options for financing the renovation, making it a convenient and cost-effective way to finance a home renovation project. Why Choose a Rehab LoanFunds for renovation: Rehab loans provide borrowers with funds specifically for the purpose of renovating a property, which can improve its value and livability.Low downpayment requirement: It requires only a 20% downpayment of the property's purchase price (or total project cost) out of your own funds, while the lender finances the remaining 80%.100% rehab financing available: Covers the full cost of approved renovations, reducing the need for out-of-pocket expenses.Option to roll in monthly payments: Some rehab loans allow borrowers to include several months of mortgage payments in the loan amount during the renovation period.Ideal for fix-and flips or BRRRRs: Perfect for real estate investors looking to renovate, rent, refinance, and repeat.Increased property value: By renovating a property with a rehab loan, the borrower can increase the property’s value and potentially improve their return on investment.Streamlined process: Rehab loans are often streamlined, making it easier for borrowers to obtain financing for their renovation project.The VA also offers a similar option for military and veterans to purchase a home and finance the required renovations to bring it up to standards set by the VA. How rehab loans workEligibility: To be eligible for a rehab loan, the property must typically meet certain conditions, such as being a single-family residence or a multi-unit property.Application: Borrowers must complete a loan application and provide documentation of their income, assets, and debts, as well as the planned renovation project.Loan Approval: After the loan application is submitted, the lender will review the application and make a decision on loan approval.Funds release: If the loan is approved, the funds will be released in stages, typically as the renovation work is completed.Repayment: Rehab loans have a fixed or adjustable interest rate and a repayment term of typically 15 or 30 years. Borrowers make monthly payments to the lender, which go towards paying off both the principal and interest on the loan.

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Conventional Loans
Conventional Loans

Finance your home with one of the most popular mortgage options in the country. Conventional loans are not insured or guaranteed by the federal government, which means they often offer competitive rates and flexible terms for borrowers with strong credit and stable income. A conventional loan can be used to purchase a primary residence, second home, or investment property — making it a versatile choice for a wide range of buyers. Why Choose a Conventional LoanDown payments as low as 3% for qualified first-time buyers. Private mortgage insurance (PMI) can be removed once you reach 20% equity. Available for primary, secondary, and investment properties. Higher loan limits than government-backed programs in many areas. Flexible loan terms, including 15-, 20-, and 30-year options.How Conventional Loans WorkConforming loans follow Fannie Mae and Freddie Mac guidelines. Borrowers qualify based on credit score, income, assets, and debt-to-income ratio. PMI is typically required when the down payment is less than 20%. Fixed-rate and adjustable-rate options are available.

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Our Team

Meet Our Mortgage Professionals

Bryan Duarte
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.