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Firefighter Mortgage Programs Built for Texas — overtime income considered, low down payment options, competitive rates, fast pre-approvals
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Modern Mortgage is not affiliated with any government agency or fire department.

A mortgage that understands shift work, OT, and side gigs

Most retail banks underwrite firefighters like office workers — and that's how OT gets stripped, second jobs get ignored, and your pre-approval comes back lower than it should be. As a Texas mortgage broker, we shop 100+ wholesale lenders and pick the ones that count your overtime, stipend pay, holiday pay, and 1099 side income the way they should.

Whether you're a 24/48 in Houston, a Kelly-cycle medic in DFW, a wildland crew in the Hill Country, or a volunteer in the Valley — we'll match you to the right program and stack every benefit you qualify for.

Why Texas firefighters choose Modern Mortgage

OT, holiday, and stipend pay counted properly — not ignored like a retail bank often does.
VA loans for firefighter veterans — 0% down, no PMI, shopped across multiple wholesale VA investors.
FHA low-down-payment options — as little as 3.5% down with credit scores starting at 580.
Conventional & jumbo programs for senior officers and dual-income firefighter households.
TSAHC Homes for Texas Heroes — down-payment assistance stacked on top of FHA, VA, or conventional.
Bank Statement loans for firefighters with construction, EMS contract, or side-business 1099 income.
 Modern Mortgage
(Broker)		Retail Lender
(big bank, CrossCountry, etc.)
Number of lenders shopped100+1
Rate shopping across lenders
Loan program variety (QM + Non-QM)
Works for…YouThe lender
One application → many lenders
Wholesale pricing

Loan programs we shop for Texas firefighters

VA Loan

For firefighter veterans. 0% down, no PMI, competitive rates. We compare multiple VA wholesale lenders.

FHA Loan

3.5% down, credit from 580. Great fit for early-career firefighters and first-time buyers.

Conventional

As little as 3% down for first-time buyers. Best long-term pricing if your credit and DTI line up.

Jumbo

For senior officers, dual-income households, and high-cost Texas metros above conforming limits.

TSAHC Homes for Texas Heroes

Down-payment assistance + grant funds for Texas firefighters, EMS, and first responders.

Bank Statement

For firefighters with side businesses or 1099 income. 12–24 months of statements instead of tax returns.

FAQ — Firefighter Home Loans in Texas

Ready to see what you actually qualify for?

Take the 60-second quiz. We'll shop 100+ lenders, count your OT the right way, and stack every firefighter benefit available — no credit pull, no commitment.

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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.

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