Traditional Banks Are a Thing of the Past.

“I am thankful for this Local Lending/ Mortgage Company for getting me through a scary financial situation in my transition from one home to another. The team was swift to act and monitoring the market for the best interest rate options I could get. They review all the details of your financial situation and advise you in the best interest to be sustainable with more than one option. They have informed me that they continue to monitor the market to provide the option to lower the interest rate when the time comes. Daniel Escobar and his team don’t just provide a mortgage, they are putting in the time for best interest of your family, regardless of whether you choose them or not. They are on your side and provide excellent advice. Daniel is always responsive to questions and answers them within a reasonable time. They do not leave you hanging. The best part about Daniel and his team is that they are local and they know the community. They know your needs and individualize each plan specifically to ensure you get the home you want and love. They continue to follow through even when you’re done with all of the logistics. They are informative and knowledgeable. I recommend Daniel and his team 100%.”

“Romy was outstanding. Very responsive. Process was relatively easy. Not always easy when you are self employed. I will definitely use him again.”

“Billy and Jenn are amazing . Everything was super professional and they made the process super easy. Great team and super great company”

“We had a great experience working with Romy Acevedo and his team. The process took a little longer than we originally expected, but throughout the entire process they kept us informed and maintained clear communication every step of the way. Even when there were delays, they remained professional, honest, and always treated us with respect. In the end, everything turned out exactly as they said it would, and they delivered on what they promised. Buying or refinancing a home can sometimes take longer than expected, but having a team that communicates and stays on top of everything makes a huge difference. We truly appreciate the dedication and professionalism of Romy Acevedo and his team. I would absolutely recommend Romy Acevedo and his team to anyone looking for a trustworthy lender. I would work with them again without hesitation.”

“Liam and Kristen absolutely dotted every i and crossed every t way out in front of this. Worked effortlessly with me in gathering all documents researched best scenarios and was able to get the loan approved and closed ahead of original estimated 3 weeks start to finish. Amazing job by those two. Thank you for helping us get into our new home. Recommend Liam everyday and twice on Sunday!”

“Seamless. Just the best ❤️Adrain is a rock star keeping me updated on everything, I am a questioner and I never had a question she was proactive and answered them all .”

“I'm really recommend modern day lending just buy a New York cop and Bily and maxwell very professional and trust service, very response to any question right away. and even get me final approve after 2 weeks from the day I sign the contract that really make my deal smote and safe to not lose the home really recommend, mr maxwell and Billy grifo thanks a lot , nir avital”

“Was a great all around experience. Michael was attentive to our needs and always quick and timely with his responses and outreach. Made a stressful time all that much more manageable!”

“I highly recommend Michael Dufour as a Loan Officer. Throughout the process, Michael demonstrated professionalism, transparency, efficiency, and a clear commitment to delivering a quality experience from beginning to end. He communicated clearly, explained each step of the loan process in a way that was easy to understand, and remained responsive whenever questions or decisions needed to be addressed. His transparency helped create confidence and trust, and his efficiency helped keep the process moving forward without unnecessary delays. What stood out most was how seamlessly Michael worked with my realtor and the broader team to ensure a smooth, well-coordinated experience. His ability to collaborate, communicate, and execute at a high level contributed greatly to a successful closing. Michael provided excellent service and helped make the mortgage process feel organized, informed, and professionally managed. I would gladly recommend him to anyone looking for a dependable, knowledgeable, and client-focused Loan Officer.”

“Amazing people. Fast and helpful during the process.”

“When I called Mike to inquire about a mortgage, I was in a bit of a desperate spot. Being self-employed, made it significantly more difficult for me to find a lender who could work with me. Mike answered the call after hours actually and assured me it was no problem and we could get my mortgage closed on time. Mike and his team exemplify what a professional service corporation does. I could not recommend Mike and his team any more strongly and I will definitely be returning customer in the future.”

“Fast and easy! No issues at all.”

“This lender is legitimate. Michael and Kristen form an exceptional team. They possess a comprehensive understanding of intricate and complex lending processes. I will certainly utilize their services again in the future and confidently recommend this competent and professional team to my clients.”

“Michael was very supportive, knowledgeable, and understanding. He answered all of our and our families' many questions with clarity and guidance. All of our discussions provided reassurance and confidence in him, his abilities, and the process. Michael was also very enjoyable and personable to talk to; he made heavy conversations feel manageable. The nerdy aspects of our conversations just made them that much better. When we did have questions, he was understanding and not dismissive. He was an excellent communicator regarding his responsiveness, punctuality, and his ability to explain complex concepts in a way that made sense without making us feel less intelligent for it. The way he engaged with us made us feel like he was invested in us and wanted our best interests. We could not have asked for a better person and professional to have on our team in our home-buying process. 10/10 Would recommend! 10/10 Would do again!”

“Excellent lender. Highly recommend. They always responded quickly and kept me informed each step of the way.”

“Wow! I had such a great experience working with Romy and his team on my home refinance. He was able to match my unique employment situation with a loan perfectly, answered every question and worked hard to make sure I had the exact loan that I wanted. I will be sending my friends and family his way. Thank you, Romy!”

“The team was very helpful, walking us through the steps and making it very easy to complete the process. They stood by their rate when market conditions became volitale, and underwrote and closed quickly and easily. Simple and effective process.”

“Dealing with Mike was an absolute pleasure. They made the process very easy and got us to the closing table with ease.”

“Very efficient and effective team. Figured out a complex financial situation and got our family financed in record time. Would highly recommend.”

“I just closed my first loan with Modern Day Lending and the entire process from start to finish was perfect. There was never an error or mistake. I have never had such a smooth process. Adam and Andrew were the absolute best. Excellent communication and uodates. They are both on the east coast but always accommodated my late calls or text. There is no better option for you to use.”

“The second refinance experience was great. Everything was explained clearly throughout the process, which made it easy to understand each step. The entire process was smooth, stress-free, and handled professionally. I truly appreciate the support and would definitely recommend their services.”

“These guys are professional and great to work with! I will use them again in the future for my mortgage needs!”

“Modern day helped when no others would. They got it done. Highly recommend! -Evan, Albuquerque, nm”

“Louis scavone More people like this guy.”

“Great job made it work”

“I had an excellent experience working with Sean Lane on my bank statement mortgage. He truly went above and beyond throughout the entire process. Sean was extremely responsive, quick to answer questions, and always took the time to walk me through each step clearly and concisely. What could have been a complicated process felt organized and manageable because of his guidance. Most importantly, he helped expedite everything to ensure a smooth and timely closing. If you’re looking for someone knowledgeable, proactive, and committed to getting the deal done, I highly recommend Sean.”

“Joe and the team are great. Wonderful experience. They are experts in their field!”

“We had a complicated set of financial circumstances that made other banks say “no way,” to our loan application, but Liam and his team pulled out all the stops and helped us get it done. I couldn’t be more satisfied or appreciative. Thanks again.”

“Awesome experience with this team! They helped us navigate our tricky situation and got us into the home of our dreams! Hard working and trustworthy, they were there for us every step of the way. Highly recommend!”

“We had a great experience working with Mike Halligan. Mike stayed in contact throughout the entire process and responded back quickly to any questions we had. We were able to close a complicated loan in a very short period thanks to Mike and Traci! These guys will go above and beyond to make things happen in a timely manner. 10/10!”

“Mike was our lender and he was amazing. No other lender would put the effort in like he did or go the lengths he did to get us the loan that we needed.”

“Thank you Louis Scavone for helping us through the long tiring process of getting our financing for our home! I think if any obstacle could happen it did in our case; but Louis helped us along and got things worked out so it could go through. Again, many thanks!”

“Our agent Louis Scavone was very knowledgeable,handled all the issues that came up with expertise and in a timely manner. Louis lead us through the entire process and the end results were exactly what he told us in the beginning of our process. Thank you.”

“Worked with Lou on a difficult leasehold condo situation in Hawaii. There were hurdles and the process was difficult and frustrating. However, Lou did not give up. He worked tirelessly and professionally to get the job done. This was my second attempt and it paid off to work with a professional, skillfully adept at solution-focused outcomes. Thank you.”

“Adam was excellent, great communications and kept the process moving along.”

“The guidance from an expert and quick responses made the process seamless.”

“They just do what they say they are going to do, every time. I have used them to do a mortgage and a refi. I run a business and typically find these things very distracting from my day to day. Both times I have used Adam and his team I am always amazed at how painless they make the process.”

“Romy.. and his team were the best I have ever worked with. Being self-employed high net worth but not every tax return filed with every single company.. It was nice to work with a team that was smart looked at my assets had mix income and credit history and say of course we can do this deal. The rate was not that much higher than the conventional lender I was working with but the conventional lender I was working with came up with item after item and I could see it was never going to happen. Romy came in and within a short period managed to get the financing done and we closed early. Cannot say anything more about what a great experience it was ! I will be referring him to clients and self-employed in the future.”

“These folks are worldclass. They took our extremely complex situation and wizarded an affordable mortgage that no one else could match. Top marks for stick-handling last minute hurdles into a smooth landing. These guys go the extra 10 miles and never give up. Big thank you to Billy Griffo, loan lead extraordinaire!”

“Such an amazing company to work with they made the process so streamline and smooth definitely will work with them again in the future. Thanks, Brian and Mike.”

“Easy & Simple”

“My wife and I had an incredible experience with Romy and his team. I’ve been in Real Estate 10 years and I know tons of people in the industry but I can’t recommend anyone else that would go above and beyond to secure your greatest asset! Thank you to the entire team and organization!”

“Louis is truly the best! As first-time homebuyers, my husband and I were incredibly overwhelmed by the entire process, but Louis made everything feel manageable from start to finish. He took the time to guide us every step of the way, always making sure we understood our options and felt confident in each decision. He went above and beyond—working around the clock to ensure our deal closed smoothly—and for that, we will always be grateful. His dedication, responsiveness, and genuine care for his clients truly set him apart. If you’re looking for someone who will go the extra mile to get you to the closing table and into the home of your dreams, Louis is absolutely the person you want on your team. As a real estate agent myself, I can honestly say I’ve rarely met someone who advocates for their clients the way Louis does. I will without hesitation be recommending him to our family, friends, and clients. Thank you so much, Louis—we couldn’t have done this without you!”

“I began this journey in October 2024, and I can truly say that Sean, Lane, and Edward have been an incredible part of one of the biggest milestones in my life becoming a homeowner. Sean played a significant role in helping my family achieve the dream of owning our own home. From start to finish, the dedication, knowledge, and care he and his team showed were unmatched. I am beyond grateful that I had the opportunity to work with both Edward and Sean I honestly cannot thank them enough. As a small business owner, the home-buying process can feel overwhelming, but Sean made what felt impossible become a reality. He and his team worked tirelessly, around the clock, to make sure everything came together, and their commitment did not go unnoticed. If you are looking to purchase a new home especially if you are a first-time homebuyer—I highly recommend connecting with Sean and his team . Sean is, without question, one of the best mortgage lenders I have ever worked with. His professionalism, transparency, and genuine care for his clients truly set him apart. Forever thankful for Sean and his incredible team.”

“I have been selling real estate for over 25 years across three states and have held a broker's license in two of them. In this transaction, we initially worked with a lender who was unable to perform, and with only two and a have weeks remaining, we made the decision to switch to Matthew. Despite significant challenges-including a property with no flooring-Matthew was able to successfully get the loan closed. His experience, knowledge, and problem solving skills made all the difference. I would not hesitate to recommend Matthew to clients or colleagues who need a lender that can truly get the job done. As a matter of fact, I called Matthew this morning to give him another file.”

“Matt,did a great job getting us a loan,in a short time period. I am self employed, making it a struggle to prove income to a bank.This home loan was even processed over the holidays. I will use this bank again in the future, and if you are self employed, I suggest reaching out to this company, and requesting Matt as your loan officer, he is more than capable of doing his job well! A true professional, even with challenging hiccups in the loan process, Matt powered through. Thank you, we love our new home !”

“Romy was very helpful and knowledgeable about pursuing my mortgage, something most brokers aren’t. I highly recommend him if you are looking for a smooth process.”

“The team at modern day, were very precise, didnt waste my time, were very honest and upfront from beginning to closing, and took care of business with a positive and confident ensuring and responsive protocol”

“Romy was a delight to work with. He was very experienced, professional and helpful. The process was quick and seamless. Any time I had a question he was easily available. I highly recommend Romy and will use him for all future business matters.”

“Working with this company was so easy .. after having dealt with a different mortgage before I found Modern Day Lending I was so frustrated but when I got a hold of Mr Liam Baker my stress was gone … I would recommend to anyone interested in refinancing 10 out of 10”

“I don’t have enough words to praise Liam Baker at Modern Day Lending. My husband and I have bought and sold properties all over the country, and hands down, Liam is the best loan officer we have ever worked with. He is incredibly knowledgeable, proactive, and truly committed to helping you get the deal done. He knows the process inside and out and guides you every step of the way with confidence and clarity. It was genuinely refreshing to work with someone who cares this much about his clients. We couldn’t recommend him more!”

“We had a fantastic experience working with Romy during our recent home purchase. What stood out the most was how much time he took to truly understand our needs and what we were trying to achieve. He listened carefully, asked the right questions, and worked with us to find the loan option that made the most sense for our family. Thanks to his dedication and problem-solving, we were able to secure a loan that fit our situation and ultimately get into our new home.”

“Sean Lane was professional, prompt and very helpful throughout the entire process. I have worked with him before and will always come to Modern Day Lending for my mortgage needs.”

“Louis went above and beyond. Will absolutely be contacting him again for future lending.”

“Adam MacBride and Andrew Murray we're top notch. I reached out to a handful of brokers and these guys were in the front by a mile - Speed was key and they executed from start to finish - Navigated a few challenges swiftly throughout the entire financing process and we're cleared to close two weeks prior to closing on a 28 day close.”

“Romy conducted the whole process in a very professional manner. I recently had a stroke and he was very patient in dealing with the time it took to deal with me. The process had a few bumps along the way but he cleared them up with ease.”

“Michael and Brian were great to work with. Being a business owner for 16 years, I do not qualify for a “traditional” mortgage. The team walked us through all the steps necessary to complete a semi complicated loan process. Thanks again you all. Loving the new home.”

“Testimonial for Cornerstone First Mortgage Romy Acevedo and Team Navigating the process of securing a home equity loan can be daunting, especially when it comes to gathering all the necessary information. However, Romy Acevedo and his team at Cornerstone First Mortgage made the experience incredibly smooth and reassuring. Despite the challenges involved, they provided exceptional service—always professional, attentive, and supportive every step of the way. Thanks to their dedication and expertise, we successfully funded our loan without a hitch. I highly recommend Romy and his team to anyone looking for trustworthy and knowledgeable mortgage professionals! Gratefully submitted, Elvis Hernandez Blanca O'Neal”

“Mike and his team truly came through for my family and I. Being self-employed, our loan was a bit difficult to get across the finish line. Mike and his team jumped through a number hoops to get it done and I’m happy to say that my family and I are loving our new house. Thank you again!”

“I give Mike Liguori a two thumbs up. He is simply the best! very knowledgeable and the most proactive professional i have work with in all of my business transactions. He skillfully navigated the complexities of my situation considering I am a business owner and applying for jumbo loan. He made me comfortable and removed the doubts and guess work by informing me on a timely and regular basis during the entire process. Thank you very much Mike for all your patience and assistance!”

“Mike and Brian were absolutely phenomenal to work with regarding transparency, timeliness, and making things happen. I cannot thank the both of them enough for working with me to get the deal done. I had pinged a number of lenders, then found Mike and team who were 100% more professional, presented better financial terms and did what they said they would...no comparison whatsoever. I HIGHLY recommend this company and would work with them again in a heartbeat”

“An overall great experience. I’d highly recommend to anyone looking for a professional, experienced lender.”

“Mike and his Team are amazing. Fast, Efficient and Great Communication. They do what they say without any confusion. Top Notch. Trustworthy and great products. Thanks Mike and Team..”

“Adam was great!! He is so easy to get in touch with and he always took the time to answer our questions and explain things in an uncomplicated manner. Communication is key, and he delivered! Thanks Adam!”

“Joe was excellent! He made the entire process seamless and always took the time to reach out and explain any parts of the mortgage process I had a question about. He is extremely responsive and accessible. I highly recommend Joe and his team, their expertise and knowledge of the industry is what sets them apart!”

“My experience with this company was absolutely stress free. Joe Abrams and team were super helpful and supportive throughout the process. Highly professional and knowledgeable in the loan process. I have already recommended this company to friends. Thanks”

“Great experience from start to finish. Adam handled my second mortgage with total professionalism and made the process painless. In the past, mortgage applications always felt like a moving target — new document requests coming out of nowhere. But Adam and his team were organized, efficient, and didn’t come back asking for more and more paperwork after the initial submission. It was smooth, straightforward, and stress-free. Thanks again to the whole team!”

“Brian, Mike and the team were outstanding! Mike meant business from the first time I called him and Brian was a master at communication, effectiveness and overall service. Because of Modern Day Lending my husband and I have our very first home! I will be going back to them for any future needs. If you want something done, this is the team to do it!”

“Mike and his team are absolutely amazing to work with!! You can always count on them to give you the best service, honest, transparent, and trustworthy!!! If you need a knowledgable mortgage team this should be your first and only choice!!!!!”

“Mike Liguori and Mike Halligan were incredible throughout the entire home-buying process. They constantly went above and beyond; responding at all hours (even after 9pm some days!) staying on top of every detail, and doing whatever it took to get the deal done. They fast tracked the process at an unbelievable pace. Their dedication, professionalism, and genuine care made all the difference. I couldn’t have asked for better support. I highly recommend them!”

“I have worked with Mike Ligouri many times on mortgages for my properties. I could not be more impressed with the entire experience, every time! From start to finish, Mike and his team have always been responsive, knowledgeable, and incredibly easy to work with. They make the mortgage process smooth and stress-free and explain each step clearly. What always stands out to me is his attention to detail and commitment to securing the best possible loan terms for me. If you are looking for a trustworthy and efficient mortgage lender, I highly recommend Mike Ligouri and his team at Modern Day Lending! They always exceed my expectations in every way!”

“Working with Maxwell Post has been very smooth and easy! I would recommend working with them!”

“I've been a real estate professional for 20 years and i've worked with a tremendous number of lenders during that time. Hands down Mike Liguori and his team are the best in the business. Mike is the most creative professional in this field that I have come across, getting deals to the closing table that no other lender could. I couldn't recommend him and his team more highly.”

“PROFESSIONAL SERVICE”

“I have been working with Mike Ligouri for years now on mortgages for all of our properties. Mike is so easy to work with and keeps the process moving seamlessly! His communication is second to none, keeping us informed every step of the way! If you are looking for a smooth, efficient lending experience, Mike, at Modern Day Lending, is your guy!”

“I found Mike online and he’s done a great job for us. Over the last 3 years we have financed more than 10 properties with Mike and his team and they really do a great job. Highly recommend!”

“Mike was great to work with. Extremely responsive and got us exactly what we were looking for. We will be working with him again and I highly recommend Modern Day Lending!”

“Being self employed it Is difficult or atleast I thought it would be to own a home. Max made the process very straight forward and helped us navigate the process from helping us get all our documents ready, ensuring our credit score is where it needs to be and made the pre approval process a breeze. He waited patiently and worked with us for about a year untill we decided we were ready to purchase. I would recommend him to anyone.”

“Experienced and efficient. I am a real estate agent and I’ve referred multiple buyers to Mike, Adam and team. They go above and beyond, many times communicating with my clients after “work hours” to ensure stress-free closings. Whether it’s a complicated loan or straight-forward, each of my clients have reported complete satisfaction.”

“I’ve been in real estate for 25 years and can confidently say that Mike Liguori is in a league of his own. He brings creativity, precision, and a deep understanding of finance to every deal. Mike has structured complex loans for both me and my clients that other lenders wouldn’t even attempt—and he always shows up at the closing table, no matter what. If you’re looking for a mortgage broker who actually solves problems, protects your deal, and delivers every time, Mike’s your guy.”

“I have had the pleasure of working with Mike and his team, and I am consistently impressed by their professionalism, expertise, and commitment to excellence. Their mortgage business operates with exceptional efficiency, providing clients with clear guidance and personalized solutions every step of the way. What truly sets Mike apart is his dedication to customer satisfaction—always going above and beyond to ensure a smooth and stress-free experience. His deep industry knowledge, transparency, and responsiveness foster a trusting relationship that keeps clients coming back. Overall, Mike is a standout leader in the mortgage industry, and his business is a testament to integrity, skill, and outstanding operational excellence. I highly recommend their services to anyone seeking reliable and expert mortgage assistance.”

“Michael helped us secure a complex loan for a house in Texas, he and his team were there every step of the way.”

“Mike was fantastic, he stayed on top of the transaction from start to finish and kept me updated every step of the way. I would definitely recommend his company!”

“We had such a great experience working with Mike as our mortgage lender. He made the whole process easy to understand and kept everything moving smoothly from start to finish. Mike was super responsive, answered all our questions, and really looked out for us every step of the way. We couldn’t be happier — highly recommend!”

“Working with Mike at Modern Day Lending was a smooth and stress-free experience from start to finish. He was responsive, knowledgeable, and always willing to answer any questions I had. Mike went the extra mile to ensure we had the best possible rate and terms, and his communication throughout the process was top-notch. I highly recommend Modern Day Lending to anyone looking for a trustworthy and efficient mortgage lender. Thanks again, Mike”

“I worked with Mike and Adam for a condo mortgage and they were nothing short of spectacular. They provided a seamless process from start to finish, answering any questions I had at all times of the day with rapid responses. Also helped guide me through all the documentation and loan items. They were sharp, professional, and extremely knowledgeable and made the whole process a breeze. I have worked with other companies like this and didn’t get nearly the customer experience that I had with them. They will definitely have my business going forward! Highly recommend!”

“We had an amazing experience with Adam and his team. They are quick, efficient and communicated very well from start to finish. As a self employed customer, Adam was super helpful in finding the loan that worked best for our situation- while always one step ahead anticipating what underwriting was going to need which made the approval process seamless. Highly recommend and look forward to working with them again on our next purchase.”

“Outstanding Customer Service. The customer service at Modern Day Lending was truly remarkable. My loan officer Adam MacBride was always available to answer questions and provide guidance throughout the process. Their responsiveness and willingness to go the extra mile made the entire experience stress-free and enjoyable. Mustafa Awl”

“Adam and his team knocked it out of the park for me. He's very creative when your situation is a little off the beaten path. I was self employed and selling my business...After having 3 brokers tell me to wait to buy our new home, I found Adam and he got it done. Truly the best I've ever worked with.”

“As a self-employed buyer, we faced unique challenges that other lenders overlooked—but this mortgage team understood exactly what was needed! They caught the special considerations others missed and guided us through the process with expertise and care. Thanks to Adam and his Team, we secured the loan and moved into our dream home with days to spare!!!”

“Adam and the whole team at Modern Day Lending are incredible. They took us through a complicated lending situation and were able to get us closed on time and at the best terms! Can not recommend them enough!”

“Adam and his team worked fast and efficient to help me get a second mortgage. My situation was challenging due to being self employed, and the entire process was smooth. I highly recommend Cornerstone and their staff.”

“I can’t thank Adam MacBride at Modern Day Lending enough for their exceptional service and dedication throughout my loan process. As a self-employed borrower, I knew the process could be more complex than usual, but they made everything clear, smooth, and manageable from start to finish. They were extremely knowledgeable about the unique challenges self-employed individuals face and helped me navigate all the documentation requirements with patience and expertise. Communication was always prompt, and they kept me updated every step of the way. I felt genuinely supported and never rushed or left in the dark. Thanks to their hard work and commitment, I was able to secure financing that worked perfectly for my situation. I highly recommend Adam MacBride at Modern Day Lending to anyone—especially other self-employed borrowers—looking for a lender who truly goes the extra mile.”