Built for the way Texans buy homes today.
Modern Mortgage is an independent brokerage that shops dozens of lenders on your behalf — so you don't have to. Led by Christopher Villarreal, a licensed Mortgage Broker, we combine deep underwriting expertise with the tools and speed buyers expect in 2026.
Borrower-first
We get paid the same regardless of program — so we recommend what's actually right for you.
Real humans
A dedicated team that returns your call, every time, including evenings and weekends.
Texas roots
Local market knowledge across Houston, Dallas–Fort Worth, San Antonio, Austin, El Paso, the Rio Grande Valley, and every town in between.
Christopher Villarreal
Mortgage Broker · Modern Mortgage
With nearly a decade originating loans across Texas, Christopher leads Modern Mortgage with one promise: the lowest rate the market allows, explained in plain English.
Real Texans. Real closings.
We let our clients do the talking.
"Christopher made our first home purchase actually enjoyable. Lower rate than our bank quoted and closed in 17 days."
Marisol R.
San Antonio, TX
"We're self-employed and got turned down twice elsewhere. The bank statement loan got us approved in a week."
Daniel & Erin K.
Austin, TX
"I've used Christopher for three DSCR refis now. Communication is unmatched and the rates are sharp."
Jared M.
Houston, TX
"Walked us through every option, no pressure. Felt like a friend, not a salesperson."
The Garcia Family
Dallas, TX
Ready for your lowest rate?
Get a no-obligation quote in minutes. No SSN required to start. We'll shop the market and bring you the best loan for your goals.