Make Lenders Compete.
Get Your Best Rate
Get Your Free Quote
Steve Silver – Silver Mortgage – Secure Mortgage Company
Serving Texas, Florida & Colorado
Low Rates Since 1981
Texas: Houston • Dallas • Austin • San Antonio
Florida: Tampa • St. Petersburg • Orlando • Miami • Fort Lauderdale
Colorado: Denver • Colorado Springs • Aspen • Vail • Breckenridge • Salida • Mountain Towns,
NMLS #314817 #360472 #70160 (TX) #LO91968 (FL) #100538170 (CO)
We make lenders compete for your business, so you get a better rate.
✓ One Application, One Credit Pull. We protect your credit score.
✓ No Unwanted Calls or Emails. Your privacy is our priority.
✓ Free Mortgage Calculator Online (No Sign-Up Required).
✓ No Upfront Costs or Obligations (No pressure quotes)
✓44+ Years of Experience Saving Homeowners Money.
Why Choose Silver Mortgage Over Your Bank?
Your bank can offer you a mortgage, but they can only offer you their mortgage. Big national lenders like Chase, Wells Fargo, or Bank of America are limited to their own set of loan products and rates. They work for the bank’s bottom line.
Silver Mortgage is different. We’re an independent mortgage broker, and we work for you.
Our job is to be your advocate—to shop dozens of lenders and make them compete for your business. This ensures you get the best rate and the right loan for your financial goals, not just the one loan your bank happens to offer.
Here’s how we stack up:
| Feature | ✅ Silver Mortgage – Steve Silver | ❌ Big Banks & National Lenders |
|---|---|---|
| Loan Options | We shop dozens of lenders to find the perfect loan for you. | Limited to only their own handful of loan products. |
| Interest Rates | We make lenders compete, driving your rate down. | You get one rate offer—take it or leave it. |
| Who We Work For | You, the client. Our success depends on your satisfaction. | The bank. Their loyalty is to their shareholders. |
| Service & Expertise | A dedicated, experienced mortgage expert from start to finish. | A national call center and a new person every time you call. |
| Flexibility | More options for complex situations (self-employed, unique properties). | Rigid underwriting rules with little room for exceptions. |
| Cost Structure | Access to lower, wholesale interest rates. | Higher retail rates that cover the bank’s massive overhead. |
The Bottom Line: Don’t settle for the one-size-fits-all approach from a big bank. Choosing Silver Mortgage means you get more options, unbiased advice, and a lower rate, all with the personal service you deserve.
Three Simple Steps to Your Best Rate
A Simple Conversation
It all starts with you and your goals.
Get your Free Quote
No Upfront Costs
No Obligations
No Annoying Call Centers
Highly Rated since 1981
Finding Your Loan
As an independent broker, we offer you a wide range of mortgage rates and loan programs from multiple wholesale lenders to find the perfect fit for you.
One application and multiple options for you to choose from.
A Smooth Closing
You'll have direct access to your loan processor with timely updates from application to closing day. 100% transparency and Privacy-Focused.
Licensed in Texas, Colorado, and Florida
Trusted by 5-Star Homeowners Across Texas, Colorado, and Florida
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, we deliver low mortgage rates to homebuyers + homeowners.
Whatever Your Situation, We've Got You Covered
First-Time Homebuyer
Get into your first home with as little as 3% down. We'll guide you through every step and connect you with first-time buyer programs that save you money.
Refinancing
Lower your rate, reduce your monthly payment, or tap into your home's equity. We compare dozens of lenders to find your best refinance option—with no upfront costs.
Buying Your Next Home
Ready to move up, downsize, or relocate? We make buying your next home simple with competitive rates and a streamlined process that fits your timeline.
Real Estate Investor
Finance investment properties with flexible loan programs designed for investors. Whether it's your first rental or your tenth, we have the expertise to help you grow your portfolio.
Self-Employed
Self-employed? No problem. We specialize in alternative documentation loans that work with your unique income situation—no traditional W-2 required.
Military and Veterans
Serving or served? VA loans offer 0% down, no PMI, and competitive rates. We'll help you maximize your military benefits and make homeownership affordable.
Vacation/Second Home
Finance your dream vacation home or second property with specialized loan programs. Whether it's a mountain cabin or beach condo, we'll find the right financing.
Foreign Nationals
Not a U.S. citizen? We work with lenders who specialize in foreign national loans, making it possible to buy property in the U.S. with flexible qualification requirements.
Jumbo Loans
Need to finance a high-value property? Jumbo loans for amounts above conventional limits come with competitive rates and flexible terms for qualified buyers.
Home Equity and HELOCs
Tap into your home's equity for renovations, debt consolidation, or major expenses. We'll help you choose between a home equity loan or line of credit based on your needs.
Renovation-Construction
Finance your home purchase and renovation costs in one loan. Perfect for fixer-uppers or building your dream home from the ground up.
FHA - VA
Government-backed loans offer low down payments, flexible credit requirements, and competitive rates. We'll help you determine if FHA or VA is right for you.
Lower your rate and reduce your monthly payment.
We shop the market to get you a great rate—with no upfront fees and no obligation.
Fill out the form and we'll reach out within 24 hours.
I had an excellent experience working with Steve Silver from start to finish, they made the mortgage process smooth and stress-free. Steve and his assistant were always available to answer questions, explained every step clearly, and ensured I got the best rate possible.
Their professionalism and genuine care for their clients truly stood out. I highly recommend Steve to anyone looking for a trustworthy and knowledgeable mortgage officer.
Jin Sook Kim via Google
Find Your Perfect Loan-And a lower payment-today
Lower Your Mortgage Payment & Keep More Cash Every Month
Mortgage Payment Calculator
See your estimated monthly payment today — no sign-up required.