MORTGAGE BROKER

Buy your home like you own the board.

STOP 1GOStart here

First ApplicationCoral Gables$60

Saved EquityCoconut Grove

Credit PullBrickell$60

Docs InMiami Beach

Income VerificationAventura$100

Asset VerificationDoral$100

Employment CheckPinecrest$120

STOP 2PRE-APPROVALLetter that wins offers

Property SearchKey Biscayne$140

Insurance BindBal Harbour

Offer AcceptedSunny Isles$160

Locked RateFort Lauderdale

Home InspectionBoca Raton$180

AppraisalDelray Beach$180

Title SearchPalm Beach$200

STOP 3UNDERWRITINGWe shop 100+ lenders

Conditional ApprovalWellington$220

Rate ShopJupiter

Clear-to-CloseHollywood$220

Final WalkthroughNaples$240

SettlementTampa$260

Wire ConfirmedMiami

FundedHouston$280

STOP 4CLOSINGKeys in 15-21 days

Move-InDallas$300

First PaymentAustin$300

1-Year Check-inSan Antonio$320

Refi WindowFort Worth

Investment #1Plano$350

Lender FeesThe Woodlands

GenerationalSugar Land$400

STOP 1GOStart here

APPLYGABLES$60

DOCS INBRICKELL

EMPLOYMENTAVENTURA$120

STOP 2PRE-APPLetter that wins offers

SEARCHKEY BISC.$140

RATELOCKFT. LAUD.

APPRAISALBOCA$180

STOP 3UNDERWRITEWe shop 100+ lenders

APPROVEDWELLINGTON$220

WALKTHROUGHTAMPA$240

FUNDEDHOUSTON$280

STOP 4CLOSINGKeys in 15-21 days

1stPAYMENTDALLAS$300

REFIAUSTIN

LEGACYSUGAR LAND$400

Pre-approval in minutes. Closings in days. Backed by Modern Monopoly's lending team.

4.9 on Google$400M+ closedNMLS verified100+ lenders

$400M+

Loans Funded

2,400+

Families Helped

100+

Lenders Shopped

15+

Years Experience

REAL OUTCOMES. REAL DOLLARS.

Roll the dice. Stack the odds.

CHANCE

$12,400 SAVED

Refi shopped 18 lenders

— Mariana & Diego R., Coral Gables

CHANCE

0.75% RATE CUT

Locked at 6.1% vs market 6.85%

— James Mendez, Brickell

CHANCE

19 DAYS TO CLOSE

Industry average: 47

— Rachel Cho, Miami Beach

CHANCE

$420/MO LOWER

Refinanced from 7.2% to 6.1%

— Daniel & Eva K., Pinecrest

EVERY MONOPOLY HAS A WINNER.

Keys delivered.

Real Miami families. Real keys in hand.

First-Time Homebuyer · Conventional · $830K
First-time buyers secured an $830K conventional loan inside conforming limits — no jumbo. Market rates were ~6.5%; we shopped multiple banks and locked them at 6.125%. Strategic lender selection saved them thousands over the life of the loan.

First-Time Homebuyer · FHA · Rapid Rescore
Buyers came to us not approvable on paper. Through strategic planning, guidance, and a rapid rescore, we lifted their credit into approval range and closed the property at 5.75% with no discount points paid. A true 'not yet' turned into a 'closed.'

Investor Cash-Out Refi · BRRRR Strategy
Investor renovated and stabilized the property with new tenants at higher rents. We cash-out refinanced at the new value and freed capital for property #4. Classic BRRRR — scale the portfolio while recycling equity.

Family Purchase · FHA · 0% Out of Pocket
FHA purchase with effectively 0% down out of pocket toward the down payment. Strong negotiation got the seller to cover the bulk of closing costs. The family came in with only a fraction of the required funds and walked out with keys.

Self-Employed · 12-Month Bank Statement Loan
Self-employed buyer with tax write-offs that crushed reported income on paper. We structured a 12-month bank statement loan with a CPA letter and 10% down — financing tailored to their real financial picture, not their 1040.

DSCR Investment Loan · Property Cash Flow
Investor qualified on the rental income itself — no personal DTI, no W-2s. Even with complex finances and multiple existing properties, the deal approved because the property's cash flow covered the loan. DSCR remains a powerful tool for scaling fast.

STORIES FROM THE BOARD

Every closing has a story.

Complex situations solved. Hear directly from families we've closed for.

Self-employed buyer with 1099 income and three rental properties — three banks said no. We restructured the file, brought in a portfolio lender, and closed in 22 days at the rate she'd been quoted on a W-2.

First-time buyer in Brickell competing against five all-cash offers. Same-hour pre-approval letter, appraisal-gap coverage clause, and a direct call from us to the listing agent — accepted offer that night.

Refi customer locked at 7.25% with another lender. We shopped 22 lenders, found 6.10% with no points, and saved them $487/month — closed before their 60-day rate-lock expired.

Investor closing his fourth property — credit profile complicated by recent moves and 1099 income. We packaged a DSCR file off the rental's cash flow, bypassed traditional DTI underwriting, and closed in 26 days so he could lock the deal before a competing offer rolled in.

First-time homebuyer who'd been told 'no' twice by retail banks. We ran a rapid rescore, optimized his tradelines, and re-submitted the file. Approval letter in his inbox 48 hours later; keys in hand inside 30 days.

PICK YOUR PATH

Where are you on the board?

Pick a path. Answer a few questions. We'll roll from there.

90 SECONDS

Meet Modern Monopoly.

A short tour of how we shop the whole board to win you a better rate.

Captions available · transcript on request

THE FIVE-MOVE PROCESS

From application to keys, on one board.

STOP 1 · GO

Roll the dice on day one.

5-minute application. No SSN until you're ready. We give you a rate range in real time.

STOP 2 · PRE-APPROVAL

Get the letter that wins offers.

Instant pre-approval letter. Customized to the property you're targeting. Refresh anytime.

STOP 3 · UNDERWRITING

We shop 100+ lenders.

Not just one lender's rate. We auction your file across our network in the same day.

STOP 4 · CLOSING

Keys in hand in 15-21 days.

Our average close is 18 days. The industry average is 47. We keep your file moving.

STOP 5 · KEYS

Your broker for life.

HELOC, refi, second home, investment — we stay on file so you don't re-shop every time.

STOP 1GOStart here

First ApplicationCoral Gables$60

Saved EquityCoconut Grove

Credit PullBrickell$60

Docs InMiami Beach

Income VerificationAventura$100

Asset VerificationDoral$100

Employment CheckPinecrest$120

STOP 2PRE-APPROVALLetter that wins offers

Property SearchKey Biscayne$140

Insurance BindBal Harbour

Offer AcceptedSunny Isles$160

Locked RateFort Lauderdale

Home InspectionBoca Raton$180

AppraisalDelray Beach$180

Title SearchPalm Beach$200

STOP 3UNDERWRITINGWe shop 100+ lenders

Conditional ApprovalWellington$220

Rate ShopJupiter

Clear-to-CloseHollywood$220

Final WalkthroughNaples$240

SettlementTampa$260

Wire ConfirmedMiami

FundedHouston$280

STOP 4CLOSINGKeys in 15-21 days

Move-InDallas$300

First PaymentAustin$300

1-Year Check-inSan Antonio$320

Refi WindowFort Worth

Investment #1Plano$350

Lender FeesThe Woodlands

GenerationalSugar Land$400

CURRENTLY ON

STOP 1

CHANCE CARDS

Questions, answered.

CHANCEHow fast can I get pre-approved?Flip card →Most files come back in eight minutes. Complex files (self-employed, multi-property) take 24 hours.CHANCEWhat credit score do I need?Flip card →Conventional from 620. FHA from 580. We work with credit unions for non-QM cases down to 500.CHANCEWhat documents do you need?Flip card →Two recent pay stubs, two years of W-2s, two months of bank statements, and ID. That's it for most files.CHANCEHow much down payment?Flip card →As little as 3% on conventional, 3.5% on FHA, 0% on VA. We model every option for you.CHANCEHow long does a refinance take?Flip card →Twenty-one to thirty days on average. We don't lock you in until we know we can beat your current rate.CHANCEWill checking my rate hurt my credit?Flip card →No. Pre-qualification is a soft pull. Hard credit pulls only happen when you choose to move forward.

Buy your home like you own the board.

Roll the dice. Stack the odds.

Keys delivered.

Every closing has a story.

Where are you on the board?

Meet Modern Monopoly.

From application to keys, on one board.

Roll the dice on day one.

Get the letter that wins offers.

We shop 100+ lenders.

Keys in hand in 15-21 days.

Your broker for life.

Questions, answered.

Pass GO. Collect savings.