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Modern Mortgage

Modern Strategy

Strategic financial planning meets smarter home financing.

How We’re Different

Real Talk: Here’s What Makes Us Modern

We See Your Whole Picture

Your mortgage should flex with your goals. Kids’ college fund? Future business plans? We factor it all in.

We Speak Human

Complex doesn’t mean complicated. We’ll break down your options in real terms you can actually use.

We Keep It Real

Sometimes waiting is smarter. Sometimes another lender is better. We’ll tell you straight up. (Shocking, we know.)

Who We Help

Smart Moves
for Every Stage

First Home? Deep Breath.

Turn those “what if’s” into “here’s how”. We’ll guide you through every step and welcome every question.

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Making Your Next Move?

Let’s make it count. Whether you’re sizing up, sizing down, or leveraging your current home more effectively, we’ll help you see around corners.

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Building Wealth?

Real estate investing doesn’t have to be complicated. We’ll share best practices and help create your strongest strategy.

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First Home? Deep Breath.

Turn those “what if’s” into “here’s how”. We’ll guide you through every step and welcome every question.

Schedule a Call

Making Your Next Move?

Let’s make it count. Whether you’re sizing up, sizing down, or leveraging your current home more effectively, we’ll help you see around corners.

Schedule a Call

Building Wealth?

Real estate investing doesn’t have to be complicated. We’ll share best practices and help create your strongest strategy.

Schedule a Call

How It Works

Let’s Break It Down

01

Chat about Goals and Process

No mortgage jargon, no sales pitch. Just a real conversation about where you are, where you want to be, and the info we’ll need to help you get there. Bonus: we actually listen.

02

Set Your Game Plan

We’ll review goals and initial numbers together, dig in deep to the information you’ve provided, and lay out clear options. Because understanding your strategy shouldn’t require a finance degree.

03

Move with Confidence

Armed with a solid plan, you’ll know exactly what to expect and will have our team’s support behind you. And yes, we really can close in two weeks. (We like to move fast when it makes sense.)

Ready to Start Our Conversation?

Schedule a call to discuss your situation in detail and get the ball rolling.

Schedule a Call

Who We Are

The Modern Story: No Fluff Version

We started Modern Mortgage because, frankly, the industry needed a wake-up call. Since 2018, we’ve been proving that mortgages can be strategic, straightforward, and (dare we say it) actually make sense.

Our secret? We combine deep financial know-how with real human conversation. No corporate speak. No pushy sales. Just transparent guidance and strategic thinking.

While our commitment to a people-first approach hasn’t changed, our company and team have evolved over the years. Owner and loan originator, Virginia Shank, lead our team through its iterations and, most recently, decided to focus her energy and impact in helping clients directly. With the support of a powerhouse team, she serves as an advisor people can trust in an industry where trust is in short supply.

Our purchase and refinance loan options span fixed and adjustable rates, conventional, FHA, VA, jumbo, bank statement, and DSCR programs, down payment assistance, custom terms, and more. With a wide spectrum of solutions, highly competitive rates, and low fees, our goal is to help you see the mortgage process as an opportunity. At Modern Mortgage, we don’t just close deals; we open doors to brighter financial futures.

Our Team

The People Behind Your Strategy

Join Our Team
Elsie Collado

Loan Coordinator

Virginia Shank

Owner | Loan Originator, NMLS #2075522

virginia@mod-mortgage.com

704.609.0588

Schedule a Call Apply Now
Chelsea Johnson

Loan Processor

Modern Minutes

Quick Knowledge Drops That Actually Help

No time for long lectures? These quick videos break down what you really need to know. Real advice, real strategies, zero fluff. (We keep them short because we value your time, too.)

How do I qualify for a loan?
Watch Video
What is a credit score?
Watch Video
History of the word “mortgage”
Watch Video
Watch More

Client Reviews

Real Stories from Real Clients

Don’t just take our word for it. Here’s what happens when smart mortgage strategy meets real-life situations. (And yes, these are actual clients.)

We worked with Virginia and her team for our first home purchase and she was fantastic. Virginia is extremely knowledgeable and went above and beyond to answer questions and provide helpful information. On top of that, she was patient and kind. We had to move pretty quickly during the process and Virginia and Chelsea made the process very easy. I would highly recommend them!

Chloe

March 2026

I worked with Virginia at the recommendation of my realtor, and I had a great experience! She took time to explain everything to me in detail, and she shopped around and got me the best interest rate, which wouldn’t have been as low had she not locked it down early. She worked closely with my realtor to formulate an offer that worked well for me and the seller and beat out four other offers! Virginia is so kind and has excellent communication skills, and I would definitely use her again!

Rachel

April 2026

Finding a broker with Virginia’s level of expertise is rare. She and the Modern Mortgage team were simply outstanding throughout our entire process. Virginia isn’t just an originator; she’s a strategic planner. Her attention to detail is impeccable, ensuring the process was efficient and entirely stress-free. Beyond her sharp knowledge, her demeanor and patience is remarkable; she addressed every one of my questions with clarity and warmth. We couldn’t have asked for a better partner. We will absolutely be referring friends and colleagues, and she is the first (and only) call we’ll make for future mortgage needs.

Jeff

December 2025

Virginia & her team are absolute professionals. We love working with them and have used them for 3 different home purchases and would recommend them for anyone who wants an organized, thorough and creative lender that can help your home purchase get across the finish line. Responsive, helpful communicators and extremely knowledgeable.

Kyli

November 2025

Would work with Virginia and her team a million times over. Very seamless process with them. Even though I was extremely busy, they were patient and kept the ball rolling. Thank you, thank you, thank you. Looking forward to working with you in the future.

Al

September 2025

Modern Mortgage was truly incredible to work with, from the beginning of the process to securing a loan that fit exactly what we needed for our new house. Virginia, Chelsea, Elsie, and the entire group at MM made the process as easy and seamless as possible. I highly recommend anyone searching for their next home loan works with Modern Mortgage.

Nick

October 2025

My wife and I can’t say enough good things about Virginia. When one problem arose, Virginia handled it with ease. This will be the third home we’ve purchased, and we have never had our lender show up to our closing to make sure things went well! We highly recommend Virginia and her team.

James

September 2025

Our Awards

Marks of Recognition

From national honors to local achievements, our work has been celebrated for excellence in execution and customer experience.

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Let’s Connect

Get in Touch