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Nurse Mortgage Programs Built for Texas — shift differentials and PRN 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 healthcare employer.

A mortgage that understands shift work, differentials, and PRN income

Most retail banks underwrite nurses like 9-to-5 office workers — and that's how night and weekend differentials get stripped, PRN income gets ignored, and your pre-approval comes back lower than it should. As a Texas mortgage broker, we shop 100+ wholesale lenders and pick the ones that count your shift differentials, charge-nurse pay, per-diem hours, and travel-nurse stipends the way they should.

Whether you're an ER nurse in Houston, an ICU RN in DFW, a travel nurse on a 13-week contract, or an LVN in the Valley — we'll match you to the right program and stack every benefit you qualify for.

Why Texas nurses choose Modern Mortgage

Shift differentials, charge pay, and OT counted properly — not ignored like a retail bank often does.
VA loans for nurse veterans and military spouses — 0% down, no PMI, shopped across multiple VA investors.
FHA low-down-payment options — as little as 3.5% down with credit scores starting at 580.
Conventional & jumbo programs for senior RNs, CRNAs, and dual-income healthcare households.
TSAHC Homes for Texas Heroes — down-payment assistance stacked on top of FHA, VA, or conventional.
Bank Statement loans for travel nurses and PRN/per-diem 1099 income — no tax-return headaches.
 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 nurses

VA Loan

For nurse veterans and qualifying military spouses. 0% down, no PMI, competitive rates across multiple VA lenders.

FHA Loan

3.5% down, credit from 580. Great fit for new grad RNs, LVNs, 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 CRNAs, nurse practitioners, and dual-income households in Austin, Dallas, and Houston metros.

TSAHC Homes for Texas Heroes

Down-payment assistance + grant funds for Texas nurses and allied health professionals.

Bank Statement

For travel nurses and PRN/per-diem with 1099 income. 12–24 months of statements instead of tax returns.

FAQ — Nurse Home Loans in Texas

Ready to see what you actually qualify for?

Take the 60-second quiz. We'll shop 100+ lenders, count your shift differentials and PRN income the right way, and stack every nurse 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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