Modus Mortgage. Built to benefit you!
Sure, you can push a button and get a mortgage, but is that right option for you? Modus is a unique mortgage loan originator who works on your behalf to close loans on time and pay attention to the details of your needs to guide you along the way.

Because rates matteR

Finding the right home loan can save you thousands of dollars and a ton of headaches down the line. We ask our clients to compare Modus to other lenders and mortgage brokers. We also work with a variety of investors and can offer 30, 20, 15, 10-year mortgage, 1, 3, 5-year ARMS, Conventional, Jumbo, VA and USDA loans.


History of Modus Mortgage

Modus Mortgage was founded by Joe Kelly, NMLS#90356, in 2007. After several years in the lending and real estate industries, Mr. Kelly knew there was a better way to integrate financing into the home buying and selling experience. He understood that there was significant “purchase power” in a lower interest rate. He also knew traditional lenders were taking too much money and that both buyers and sellers could benefit from a better financing structure. 

2005: Mr. Kelly founded Kelly Right Real Estate, under the original name, Soleil Real Estate.

2007: Soleil Home Loans was added. The vision for Soleil Home Loans was to have salaried loan officers provide home loan services and mortgage products under a flat fee format, regardless of the loan amount.  Salaried loan originators offering home loans for a flat fee was a better approach created to benefit Soleil agents and their buyers. 

2012: Mr. Kelly hired a full-time Loan Operations Manager, Louie Flores, NMLS# 1028232.  Mr. Flores was tasked with developing the mortgage operations and expanding it into additional markets in Washington and Idaho.

2013: Soleil opened in Portland, OR.  As the market began to recover, expansion of the company was a natural progression. 

2014: The corporate headquarters moved to its present location in Spokane, Washington with additional employees and support staff.

2015: Mr. Kelly decided it was time for a name change and and rebranded to Kelly Right Real Estate and K Loans NMLS# 1028232 as the new mortgage division. Both are integrated into the new corporate entity, Kelly Right International, Inc.  Affiliated Business Disclosure.

2021: K Loans is completely rebranded to Modus Mortgage. Modus is currently serving: Washington, Idaho, Montana, Oregon, Florida and Alabama.

Awards from UWM  (United Wholesale Mortgage)

  • 2016 Top 1% 
  • 2018 Top 20 Purchase Loan Officers in Washington 
  • 2019 Top 1% 
  • 2019 Top 20 Purchase Loan Officers in Washington
  • 2020 Top 1% 


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