Mortgage Broker Silver Mortgage - Since 1981
Texas, Colorado and Florida Mortgage Origination.
Affordable, Reliable, Fast and 5-Star Rated Since 1981.
$0 Cost to Apply. Fast & Free Quotes. Same Day Mortgage Pre-Qualification
TL;DR – Mortgage Broker Quick Facts
Who We Are: Licensed Mortgage Broker and direct mortgage lender* serving Texas, Colorado, and Florida – since 1981. We work with 20+ wholesale lenders to find competitive Texas mortgage rates, Colorado mortgage rates, and Florida mortgage rates across three states. See if you qualify for our lowest mortgage rates.
Rates shown are based on your credit profile, loan amount, down payment, and current market conditions at the time of your Loan Estimate.
💡 Key Insight: Refinancing in 2026
As interest rates decline, refinancing your home in Texas, Colorado or Florida could lower your monthly payment. We offer multiple refinance options:
- FHA Streamline Refinance – No appraisal, reduced documentation, faster processing
- VA Streamline Refinance (IRRRL) – Minimal docs, refinance up to 100% LTV
- Rate-and-Term Refinance – Lower your rate or change your loan term
- Cash-Out Refinance – Access your equity (Texas 80% LTV limit)
As a mortgage company with access to national and regional wholesale lenders, we can compare 20+ lenders to find you competitive mortgage refinance rates.
$0 application fee, $0 upfront fees and just 1 credit pull.
Typical timeline to closing: 21-30 days.
💡 Quick Tip: Get Pre-Qualified Before House Hunting
Texas, Colorado, and Florida housing markets move fast. Sellers and listing agents prefer buyers with pre-qualification letters because it shows you’re serious and financially qualified.
Get pre-qualified same day with $0 application fee. We’ll pull your credit once to access rates from 20+ lenders, protecting your credit score while shopping.
What Our Clients Say
“This is our first time to buy a house, but the mortgage process was not terribly hard as Steve was very knowledgeable.” — First-Time Homebuyer, Houston, 2011
“His mortgage processor, Robin, is also fantastic. She tells you exactly what is needed and how to submit all required documents.” — Missouri City Client, 2022
“Steve is the best! I did a first time homeowner purchase with him and just finished doing a refi.” — Liani T., Houston, 2017
❓ What If I’m Self-Employed?
We offer bank statement loans that focus on your actual cash flow, not just tax returns. This is ideal for self-employed business owners, contractors, and entrepreneurs buying or refinancing in Texas, Colorado, or Florida.
Requirements: 12-24 months of bank statements showing consistent deposits. Timeline: 21-30 days, $0 application fee. Get your personalized Loan Estimate in 3 business days.
Frequently Asked Mortgage Questions
How much will my mortgage cost?
Your mortgage cost depends on several key factors that affect your interest rate, loan terms, and approval:
What affects your mortgage cost:
- Loan Amount & Down Payment: Larger down payments (20%+) typically qualify for lower rates and avoid PMI.
We offer programs from 3% to 20%+ down, with VA loans as low as 0% down for veterans. - Credit Score: Higher credit scores qualify for lower interest rates. We work with various credit profiles to find you a competitive rate for your situation.
- Debt-to-Income Ratio (DTI): Lower DTI ratios (typically under 43%) qualify for better terms. We help you calculate your DTI and structure your loan accordingly.
- Mortgage Insurance: Conventional loans with less than 20% down require PMI (Private Mortgage Insurance). FHA loans require MIP (Mortgage Insurance Premium) regardless of down payment. VA loans have a one-time VA Funding Fee (can be financed into the loan). These costs affect your monthly payment and/or upfront costs.
- Employment Status: W-2 employees, self-employed, and business owners have different documentation requirements and pricing.
- Documentation Type: Full documentation (eg: W-2, 1099, K1, tax returns) typically qualifies for the lowest rates.
Alternative documentation programs (bank statement loans, asset depletion, DSCR for investors) may have slightly higher rates but offer flexibility for self-employed borrowers and real estate investors. - Property Type: Single-family homes typically qualify for the lowest rates.
Condos, multi-family, and manufactured homes may have slightly higher rates. - Property Use: Primary residence gets the lowest rates. Second homes and investment properties have slightly higher rates due to increased lender risk.
What Silver Mortgage provides:
- $0 Application Fee and $0 Upfront Fees to get started
- Loan Estimate within 3 business days showing your rate, monthly payment, and all costs
- We explain every line item – no hidden fees
- Third-party fees: Credit report (~$95) and appraisal (~$595 for conforming loans) paid directly to vendors with no markups
How much does a mortgage broker cost?
Mortgage broker compensation in Texas, Colorado, and Florida can be lender-paid or borrower-paid, but not both. Silver Mortgage provides transparent disclosure upfront.
At Silver Mortgage, you’ll receive a detailed Loan Estimate within 3 business days showing whether compensation is lender-paid (built into your rate) or borrower-paid (paid at closing). We offer both options upfront, along with Non-Delegated Correspondent (“direct mortgage lender”) options, to provide you with the most choices. We’ll explain both options for your Texas home loan, Colorado home loan, or Florida home loan.*
Third-party fees: You pay vendors directly for essential services like the credit report (~$95, paid to credit bureau) and appraisal (~$595, paid to appraiser for a conforming loan). We don’t control or mark up these costs.
📊 Did You Know? One Credit Pull = 20+ Lender Rates
When you apply with Silver Mortgage, we pull your credit once and use that single report to access wholesale mortgage rates from 20+ lenders. This protects your credit score while giving you maximum options.
Compare this to: Applying with 5 different lenders = 5 credit pulls = potential credit score impact. With us: 1 credit pull, 20+ lender options, $0 application fee.
What states and cities do you serve?
We serve Texas, Colorado, and Florida, including all major cities and surrounding areas.
In Texas, we serve Houston, Dallas, Austin, San Antonio, Fort Worth, and surrounding areas. In Colorado, we serve Denver, Colorado Springs, Pueblo, Boulder, Fort Collins, Grand Junction, Durango and all Mountain communities. In Florida, we serve Tampa, Orlando, Miami, Fort Lauderdale, Jacksonville and the entire Gulf Coast.
We specialize in Texas mortgage rates, Colorado mortgage rates, and Florida mortgage rates for both home purchases and refinances.
How many times will my credit be pulled?
Silver Mortgage pulls your credit just once to access rates from dozens of lenders, protecting your credit score while shopping for Texas mortgage rates, Colorado mortgage rates, or Florida mortgage rates.
You can access multiple wholesale lenders along with our NDC (non-delegated correspondent) loan options (“direct lender”) using a single credit pull. This helps protect your credit score, saves you time and stress, and provides a range of mortgage options for your home loan in Texas, Colorado, or Florida.*
Are you a broker or a direct lender?
We’re both a broker and a direct lender*—giving you more options with one credit pull.
As a broker, we access dozens of wholesale lenders. As a direct lender, we can also fund loans directly in-house. This dual capability means you get the best of both worlds: maximum loan program options, competitive pricing, and faster closings when needed. Most companies are either a broker OR a lender—we’re both, which gives you more choices and competitive rates.
Silver Mortgage also arranges commercial, multi-family, construction, and land loans in Texas, Colorado, and Florida.
How long does it take to close your mortgage in Texas, Florida or Colorado?
Most purchase and refinance loans in Texas, Colorado, and Florida close in 21-45 days. 30 days is typical, and rush closings are available if needed.
You’ll have local access to us, including direct contact with your loan processor assigned to your loan. We understand state-specific closing requirements and work efficiently to meet your timeline whether you’re buying in Houston, refinancing in Denver, or investing in Tampa.
Does it cost anything to apply or get a quote?
No upfront costs, no obligation—get your free Texas mortgage rates, Colorado mortgage rates, or Florida mortgage rates quote today.
We’re confident in our ability to find you competitive mortgage rates and provide exceptional service, which is why we make it easy to get a quote with no pressure. You’ll receive a detailed Loan Estimate within 3 business days showing all costs, and we encourage you to shop around and compare. We want you to feel confident in your choice—that’s why we make it risk-free to explore your options with us.
*Disclosure: Direct lending services provided through Secure Financial Services, Inc. (NMLS #70160), an affiliated company. Steve Silver (NMLS #314817) is a licensed loan originator for both Silver Mortgage Funding Group, LLC (NMLS #360472) and Secure Financial Services, Inc. (NMLS #70160).
🔍 Myth Debunked: “I Need 20% Down to Buy a Home”
Reality: Many Texas, Colorado, and Florida homebuyers qualify for loans with as little as 3-5% down (conventional) or 3.5% down (FHA). VA loans offer $0 down for eligible veterans and active military.
First-time homebuyer? Ask about down payment assistance programs available in your area. Get your personalized Loan Estimate showing exact down payment requirements in 3 business days—$0 application fee.
Texas
Regions:
Houston - Dallas - San Antonio - Austin
From Houston to Dallas to the Hill Country, we help Texans secure competitive rates on home purchases and refinances.
Florida
Regions:
Tampa Bay - Orlando - Ft Lauderdale
From the Gulf Coast to the Atlantic, we make Florida home loans simple and stress-free for buyers and homeowners.
Colorado
Regions:
Denver - Colorado Springs - Mountains - Western Slope
From Front Range energy to Mountain Town charm, low mortgage rates to homebuyers + homeowners.
🔍 Myth Debunked: “I Need Perfect Credit to Get a Mortgage”
Reality: You don’t need perfect credit to buy a home in Texas, Colorado or Florida. FHA mortgage loans accept credit scores as low as 580 (3.5% down) or even 500-579 (10% down). VA loans have no official minimum credit score. Conventional loans typically require 620+ for approval.
What we provide: We work with a variety of credit profiles to find you competitive mortgage rates across Texas, Colorado and Florida. One credit pull to access 20+ wholesale mortgage lenders. $0 application fee, Loan Estimate in 3 business days showing your estimated rate based on your credit score and the application information you provide.
Whatever Your Situation, We've Got You Covered
First-Time Homebuyer
Buying your first home? We'll guide you through every step, from pre-approval to closing. Access special programs with low down payments, including FHA loans (3.5% down), conventional loans (3% down), and VA loans (0% down for veterans).
Refinancing
Lower your interest rate, reduce your monthly payment, or tap into your home's equity. We compare rates from dozens of lenders to find you the best refinance deal. Most refinances close in 20-30 days with no upfront costs.
Buying Your Next Home
Moving up, downsizing, or relocating? We make buying your next home seamless with competitive rates and flexible loan options. Whether you're selling first or buying before you sell, we'll structure the right financing strategy for your situation.
Real Estate Investor
Finance investment properties with flexible loan programs designed for investors. We offer conventional investment loans, DSCR (Debt Service Coverage Ratio) loans with no income verification, and portfolio loans for multiple properties. Build your real estate portfolio with competitive rates.
Self-Employed
Self-employed borrowers face unique challenges with traditional lenders. We offer bank statement loans, P&L-only programs, and other flexible documentation options that focus on your actual cash flow, not just tax returns. Get approved with the income documentation that works for you.
Military and Veterans
Thank you for your service. VA loans offer 0% down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses. We're experienced with VA financing and make the process smooth and stress-free. You've earned these benefits—let's put them to work.
Ready to Get Your Mortgage Quote?
No upfront costs. No obligations. Local mortgage lender – since 1981.