Published by Clarity Home Lending | HomeFront Rewards | Plano, TX

Every shift, you step into situations most people will never face. You make split-second decisions, carry the weight of public safety, and protect communities that depend on you more than they may ever say out loud. When it's time to buy a home, Clarity Home Lending believes that kind of service deserves something real in return.

Clarity Home Lending's HomeFront Rewards program was designed specifically for community heroes like you. If you are a law enforcement officer, a federal agent, a correctional officer, or a 911 dispatcher — at any level of government, active or retired — you qualify for a $1,000 credit toward your closing costs when you finance your home through Clarity Home Lending, plus potentially discounted mortgage interest rates.

What Is Clarity Home Lending's HomeFront Rewards?

HomeFront Rewards is Clarity Home Lending's hero appreciation program. When eligible community heroes finance their home through Clarity, they receive a $1,000 credit applied directly toward closing costs at closing. There are no hidden fees, no gimmicks, and no added complexity.

That $1,000 credit can offset:

• Lender fees
• Title costs
• Escrow expenses
• Prepaid items
• Other eligible closing costs

For law enforcement officers — many of whom are purchasing on government pay scales — that $1,000 at closing is a meaningful reduction in out-of-pocket expenses and a genuine acknowledgment of your service.

Which Law Enforcement Personnel Qualify?

Clarity Home Lending's HomeFront eligibility covers all levels of law enforcement — federal, state, and local — active, former, and retired:

• Police officers (municipal and city departments)
• State troopers and highway patrol officers
• Sheriffs and sheriff's deputies
• Detectives and criminal investigators
• Correctional officers and prison staff
• Probation and parole officers
• Federal agents — FBI, DEA, ATF, U.S. Marshals, Secret Service
• U.S. Customs and Border Protection (CBP) officers
• Immigration and Customs Enforcement (ICE) agents
• Transportation Security Administration (TSA) officers
• 911 dispatchers and emergency communications operators

911 dispatchers are explicitly included — a distinction many hero programs overlook entirely. Dispatchers are the first voice a person in crisis hears, the coordinators of every emergency response, and an essential part of public safety. Clarity Home Lending recognizes that service with the same $1,000 credit available to any officer.

Discounted Mortgage Rates for Law Enforcement

Beyond the $1,000 credit, eligible law enforcement personnel may also qualify for discounted mortgage interest rates through HomeFront Rewards. Over a 30-year loan, even a modest rate reduction can save law enforcement officers thousands of dollars — making HomeFront one of the most financially impactful programs available to public safety professionals in DFW.

Rate eligibility depends on loan type, credit profile, occupancy, market conditions, and program guidelines at the time of application. Not all borrowers will qualify, and terms are subject to change without notice.

Law Enforcement Income and Mortgage Qualification

Law enforcement officers often have complex income pictures — base salary, overtime, off-duty employment, shift differential, and hazard pay all factor into total compensation. Not all lenders understand how to properly document and count each income source, which can result in law enforcement buyers being approved for less than they actually qualify for.

Clarity Home Lending's loan officers have extensive experience working with law enforcement income structures. We know how to document overtime history, properly calculate off-duty employment income, and present your full compensation picture to underwriting — so you can qualify for the home your income actually supports.

Federal Agents in DFW: A Major Market

Dallas-Fort Worth is home to a significant concentration of federal law enforcement — from the FBI's Dallas field office and DEA regional operations to CBP at DFW International Airport, ATF field divisions, and U.S. Marshals Service operations throughout North Texas. If you're a federal agent stationed in or transferring to DFW, Clarity Home Lending is familiar with the documentation requirements, security clearance considerations, and federal employment income verification processes that can complicate standard mortgage applications.

Loan Options Available to Law Enforcement Heroes

Clarity Home Lending offers a full range of mortgage products for law enforcement professionals:

• Conventional Loan — competitive rates for well-qualified borrowers
• FHA Loan — lower down payment and flexible credit requirements
• VA Loan — for officers who also served in the military
• USDA Loan — for eligible suburban and rural purchases
• Jumbo Loan — for higher-value home purchases
• ClarityOne — Clarity's signature loan product for qualified buyers

The $1,000 HomeFront closing cost credit applies regardless of which loan product you use.

The DFW Housing Market for Law Enforcement

Dallas-Fort Worth's real estate market offers strong long-term appreciation and a wide range of communities suited to law enforcement professionals at every income level. Suburbs like Mansfield, Burleson, Forney, Rockwall, Mesquite, and Garland offer excellent value for officers looking to maximize their purchasing power, while growing communities in Frisco, McKinney, and Allen offer newer construction and top-rated school districts for families.

Clarity Home Lending is based in Plano — centrally located in the DFW metroplex — and our team is deeply familiar with the local market across all price points and all counties.

How to Get Started

Visit clarityhomelending.com/homefront and fill out the contact form, or call Greg Pope directly at (972) 210-9264. You can also email greg@clarityhomelending.com.

Clarity Home Lending is located at 6201 W Plano Pkwy, Plano, TX 75093.

Greg Pope | President & Senior Loan Officer | NMLS #621901 | Clarity Home Lending NMLS #2527964

Clarity Home Lending is an Equal Housing Opportunity Lender. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all states. All products are subject to credit and property approval. Clarity Home Lending is not affiliated with any government agency.

Frequently Asked Questions

Do retired law enforcement officers qualify for HomeFront Rewards?

Yes. Retired officers at all ranks — local, state, and federal — are fully eligible for the $1,000 closing cost credit. Your years of service qualify you regardless of current employment status.

I'm a 911 dispatcher. Do I really qualify?

Yes. 911 dispatchers and emergency communications operators are explicitly included in Clarity Home Lending's HomeFront eligibility. You qualify for the full $1,000 credit.

I have a security clearance. Will that affect my mortgage application?

A security clearance itself does not prevent mortgage approval. However, some federal employment situations require specific income documentation. Clarity Home Lending's team is experienced with federal employee applications and can guide you through any documentation questions.

Does my overtime income count toward mortgage qualification?

In most cases, yes — with a documented history. Clarity Home Lending is experienced with law enforcement income structures, including overtime, off-duty employment, and shift differential pay.