Texas home loans done the modern way.
Lower rates. Faster closings. Real people who answer the phone. Full QM and Non-QM lending — from first-time buyers to investors.
- Licensed in Texas
- Close in as fast as 14 days
- Hundreds of happy clients
Live mortgage rates, updated daily.
Our pricing tracks the same daily averages reported by Mortgage News Daily. See where rates are right now — then lock yours before the next move.
- • Conventional, FHA, VA, Jumbo, and DSCR pricing
- • No SSN required for a custom quote
- • Free rate-lock float-down on qualifying loans
Today's Rates · Wednesday, Jun 3
Live Market Pricing
30-Yr Fixed
APR varies
+0.046.61%15-Yr Fixed
APR varies
+0.036.13%FHA 30-Yr
APR varies
+0.036.14%VA 30-Yr
APR varies
+0.036.16%Jumbo 30-Yr
APR varies
0.006.70%
Updated daily from Mortgage News Daily
Last updated Jun 3, 2026, 4:30 PM CDT
QM & Non-QM. Every borrower has a path.
Whether you're a W2 first-time buyer or a self-employed investor scaling a portfolio, we'll match you to the right product at the best rate.
Qualified Mortgages
Conventional
Low down payments from 3% with competitive fixed and ARM options.
See if I qualify →Non-Qualified Mortgages
Bank Statement
Qualify with 12–24 months of business or personal bank statements — perfect for self-employed.
See if I qualify →DSCR Investor
Qualify based on the property's rental income — no W2s, no tax returns.
See if I qualify →1099 / Asset-Based
Use 1099 income or liquid assets to qualify when traditional income docs don't fit.
See if I qualify →Hundreds of lenders. One broker working for you.
We shop your loan across 100+ wholesale and Non-QM lenders so you get the best rate and program — not whatever one bank offers.
Not all programs are available from all lenders.
A faster, simpler mortgage.
- 1
Apply in 10 minutes
Quick online application.
- 2
Get matched
We shop dozens of investors to find your lowest rate.
- 3
Underwrite & approve
Dedicated team keeps your file moving every day.
- 4
Close & get the keys
Most loans close in 14–21 days. Move in faster.
Christopher Villarreal
Mortgage Broker · Modern Mortgage
With nearly a decade originating loans across Texas, Christopher leads Modern Mortgage with one promise: the lowest rate the market allows, explained in plain English.
Real Texans. Real closings.
We let our clients do the talking.
"Christopher made our first home purchase actually enjoyable. Lower rate than our bank quoted and closed in 17 days."
Marisol R.
San Antonio, TX
"We're self-employed and got turned down twice elsewhere. The bank statement loan got us approved in a week."
Daniel & Erin K.
Austin, TX
"I've used Christopher for three DSCR refis now. Communication is unmatched and the rates are sharp."
Jared M.
Houston, TX
"Walked us through every option, no pressure. Felt like a friend, not a salesperson."
The Garcia Family
Dallas, TX
Millions
Funded across Texas
21 days
Average close time
60+
Lending partners
5.0★
Client rating
Ready for your lowest rate?
Get a no-obligation quote in minutes. No SSN required to start. We'll shop the market and bring you the best loan for your goals.