Conventional / FHA / VA / USDA
Standard programs for primary residences with competitive rates and low down payment options.
- Low down options
- First-time buyer friendly
- VA $0 down for eligible vets
Texas Mortgage Broker · For Texans by Texans 🇨🇱
Your Home Loan, Shopped Across 100+ Lenders — Not Sold by Just One.
Banks and retail lenders can only offer you their own rates. As your Texas mortgage broker, Modern Mortgage shops hundreds of lenders to find you a better deal — often faster, with fewer fees.
100+ Lenders · Serving All of Texas · For Texans by Texans · Local roots in the Rio Grande Valley.
3 simple steps
- 1Take the 60-second quiz.
- 2We shop 100+ lenders.
- 3You pick the best offer.
- 100+ Wholesale Lenders
- Serving All of Texas
- For Texans by Texans 🇨🇱
- Local Roots in the RGV
Why a broker beats retail
Retail lenders sell one product line. A broker brings hundreds of products to one client — you.
100+ lenders compete for you
More competition usually means a better rate.
Wholesale pricing
We access pricing tiers consumers can't get directly.
We work for you
Not the bank. Our job is to find you the best deal.
One app, many lenders
Skip the runaround of applying everywhere yourself.
Broker vs. Retail Lender
How Modern Mortgage stacks up against the typical retail lender (think CrossCountry, Rocket, big banks).
| Modern Mortgage (Broker) | Retail Lender (big bank, CrossCountry, etc.) | |
|---|---|---|
| Number of lenders shopped | 100+ | 1 |
| Rate shopping across lenders | ||
| Loan program variety (QM + Non-QM) | ||
| Works for… | You | The lender |
| One application → many lenders | ||
| Wholesale pricing |
Loan programs we shop
Conventional, government-backed, jumbo, plus non-QM programs for investors and self-employed borrowers.
DSCR Investor Loans
Qualify on the property's rental cash flow — not your personal tax returns.
- No income docs
- LLC vesting OK
- Scale your portfolio
Bank Statement Loans
Self-employed? Use 12–24 months of bank statements instead of tax returns.
- No tax returns
- Personal or business statements
- Ideal for 1099 / owners
Jumbo Loans
Higher loan amounts for premium homes — competitive wholesale jumbo pricing.
- Loans above conforming limits
- Multiple jumbo lenders
- Flexible underwriting
Serving all of Texas
We're For Texans by Texans and licensed statewide. Whether you're in Houston, Dallas–Fort Worth, San Antonio, Austin, El Paso, Corpus Christi, or anywhere in the Rio Grande Valley — McAllen, Edinburg, Mission, Pharr, Brownsville, Harlingen, Weslaco — Modern Mortgage has you covered.
Frequently asked questions
Ready to see what rate you actually qualify for?
Take the 60-second quiz. We'll shop 100+ lenders for you — no credit pull, no commitment.
A few of the 100+ wholesale lenders we shop
We compete the lenders, you keep the savings.
- UWM
- Rocket Pro TPO
- Kind Lending
- Newrez Wholesale
- Pennymac TPO
- Loan Depot Wholesale
- Plaza Home Mortgage
- Carrington Wholesale
- AmeriHome
- Homepoint
- Angel Oak
- Change Wholesale
Partner list shown for reference only and may change. Modern Mortgage has access to 100+ wholesale lenders through our broker network.