Independent Mortgage Broker · Veteran-Owned
Know exactly where you stand.
Buying or refinancing a home shouldn’t feel like a guessing game. We compare loan options across a network of lenders to find what actually fits your situation, with clear answers from your first conversation to the keys in your hand.
Let’s Find the Right Loan
Whether you're buying your first home, your next home, an investment property, or refinancing, we make the process simple and clear. As an independent broker, we shop your loan across a network of lenders to find the pricing and program that actually fits your situation. Competitive options, real guidance, and a process you can follow every step of the way.
This is not an offer for an extension of credit or a commitment to lend. All applications are subject to credit and property approval. All loans are subject to underwriting approval. Not all applicants will qualify.
This is the most common type of mortgage and a strong fit for buyers with a steady income and solid credit. You can put down 20% to skip mortgage insurance or take advantage of lower down payment options made available specifically for this type of loan.
Government-backed and built for borrowers with lower credit scores or smaller down payments. Insured by the Federal Housing Administration, it can allow credit scores as low as 580 with 3.5% down (or 500 with 10% down), making homeownership more accessible.
A well-earned thank-you to those who served. Available to eligible veterans, active-duty service members, and certain surviving spouses, VA loans are backed by the Department of Veterans Affairs and come with some of the best terms out there: zero down payment, no monthly mortgage insurance, and competitive rates.
Designed for self-employed borrowers and business owners. Instead of tax returns, it uses 12 to 24 months of bank statements to document your income — often a more accurate picture when write-offs reduce what shows on paper.
A government-backed option for low-to-moderate-income buyers in eligible rural and suburban areas. Guaranteed by the U.S. Department of Agriculture, it offers zero down payment and reduced mortgage insurance costs.
Built for purchases above the conforming limit ($832,750 in most areas for 2026, higher in high-cost regions). These come with stricter requirements, including higher credit scores, larger down payments, and stronger income documentation.
Built for real estate investors, this loan qualifies based on the property's rental income rather than your personal income — no tax returns, W-2s, or employment verification required. If the rent covers the payment, the deal can work.
Meet the Founder
Dominic Dangora
Before I ever entered the mortgage industry, I served in the United States Air Force. The military taught me lessons that have stayed with me ever since: keep your word, communicate clearly, and take care of the people who trust you.
After leaving the service, I built a career in mortgage lending and have had the privilege of helping thousands of individuals and families finance their homes. Along the way, I realized that too many people felt overwhelmed by the process or were being fit into whatever loan their lender happened to offer. That's one of the reasons I founded Modern State Mortgage.
As an independent mortgage broker, I'm able to compare loan options from a network of lenders instead of being limited to a single bank's products. That means every client gets a solution tailored to their situation.
I understand that buying a home isn't just another financial transaction. It's where families gather, children grow up, and memories are made. Whether you're buying your first home, your next home, refinancing, investing in real estate, or using the VA benefit you've earned, my goal is simple: give you straightforward advice, help you understand your options, and earn your trust through the way I serve you.
Connect With Us
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