Modern Focus Finance
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Frequently Asked Questions
What is the minimum credit score required?
While we have options for various credit profiles, a score of 620+ typically yields the best rates.
Which states do you operate in?
Modern Focus Finance is licensed to provide services in all 50 US states.
How long does the funding take?
Once approved, funds are usually transferred to your bank account within 1-2 business days.
Are there any hidden application fees?
No, we pride ourselves on transparency. All costs are disclosed upfront in your loan estimate.
Can I repay my loan early?
Yes! We do not charge prepayment penalties on any of our personal or auto loan products.
What documents do I need to apply?
Typically, you'll need proof of identity, income (pay stubs/W2), and recent bank statements.
Do you offer FHA mortgage loans?
Yes, we have specialized FHA programs for first-time buyers with lower down payment requirements.
Is my information safe on your website?
Absolutely. We use 256-bit SSL encryption to ensure your data stays secure.