Steve Silver

Steve Silver – Silver Mortgage Funding Group, LLC – Secure Financial Services, Inc.

NMLS#360472 (TX) •NMLS #314817 (TX) •70160 (TX) •LO91968 (FL) •100538170 (CO)

TX, CO, FL

Texas Mortgage Broker
Steve Silver - Silver Mortgage

Serving Houston, Dallas, Austin, San Antonio & All Major Texas Regions

Since 1981, Steve Silver and Silver Mortgage have helped Texas families navigate local markets and secure competitive mortgage rates across the state. As an independent mortgage broker, we work with multiple lenders to find you the best rate and terms—whether you’re buying your first home in Houston, refinancing in Dallas, investing in Austin, or relocating to San Antonio.

Get Your Free Texas Mortgage Quote

Why Choose Silver Mortgage for Your Texas Home Loan?

texasfamily

Serving Texas
Since 1981

Since 1981, we've helped Texas families navigate local markets and secure competitive mortgage rates across Houston, Dallas, Austin, San Antonio, and beyond.

Houston Texas skyline downtown cityscape

Multiple Lenders Compete for You

We work with dozens of wholesale lenders to find you the best rate and terms—not just one bank's limited options

bluebonnets 30k

Statewide Texas Expertise

We understand Texas real estate markets—from Houston's Energy Corridor to Dallas's Uptown, Austin's tech hubs to San Antonio's historic neighborhoods. Our statewide expertise helps you navigate local conditions and secure the best mortgage terms.

Texas Areas We Serve

Houston

Dallas

Austin

San Antonio

Fort Worth

El Paso

Frisco

Plano

The Woodlands

Corpus Christi

Abilene

Killeen

Texas Mortgage FAQs

What is a mortgage broker?

A mortgage broker works with multiple lenders to find competitive rates and terms, unlike banks that offer only their products.

We are licensed mortgage professionals serving Texas (NMLS #360472, #314817, #70160) and work with dozens of wholesale lenders.

We’re also a “direct lender.”

This means we can compare rates from multiple sources to help you find you the best deal for your Texas home loan with just one credit report.

How much does a mortgage broker cost in Texas?

Mortgage broker compensation in Texas can be lender-paid or borrower-paid, but not both. We provide 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 (“mortgage lender”) options, to provide you with the most choices. We’ll explain both and help you choose what’s best for your Texas home loan. There are no hidden fees, and you’ll know exactly what you’re paying before you commit.

What Texas cities and areas do you serve?

We serve all major Texas cities including Houston, Dallas, Austin, San Antonio, Fort Worth, and surrounding areas across the state.
Our Texas coverage includes Houston (Energy Corridor, Medical Center, The Woodlands, Katy, Cypress), Dallas (Uptown, Plano, Frisco), Austin (tech hubs, Round Rock, Cedar Park), San Antonio (historic neighborhoods, Stone Oak), Fort Worth, El Paso, Corpus Christi, Abilene, Killeen, and all surrounding communities. We understand Texas real estate markets and local conditions to help you secure the best mortgage terms.

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.
 
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 to choose from for your Texas home loan.

Are you a broker or a direct lender in Texas?

Silver Mortgage is both a mortgage broker and a direct lender in Texas, giving you more loan options with just one credit pull.
 
As a broker, we access dozens of wholesale lenders. As a direct lender through our non-delegated correspondent lending, 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 better rates for your Texas mortgage.
Silver Mortgage also arranges commercial, multi-family, construction, and land loans throughout Texas.

How long does it take to close a mortgage in Texas?

Most Texas purchase and refinance loans close in 21-45 days. 30 days is typical, and rush closings are available if needed.
 
You’ll have local Texas access to us, including direct access with your loan processor assigned to your loan. We understand Texas closing requirements and work efficiently to meet your timeline, whether you’re buying in Houston, refinancing in Dallas, or investing in Austin.

What Texas mortgage programs are available?

Texas borrowers have access to FHA, VA, conventional, jumbo, USDA, renovation, and Texas-specific cash-out refinance programs.
 
We offer all major loan programs for Texas homebuyers and homeowners: FHA loans (3.5% down), VA loans (0% down for veterans), conventional loans (as low as 3% down), jumbo loans for high-value Texas properties, USDA loans for rural areas, FHA 203(k) and HomeStyle renovation loans, and Texas cash-out refinancing (up to 80% LTV under Texas law). We also specialize in loans for self-employed borrowers, real estate investors, and foreign nationals buying Texas property

What mortgage company will originate my Texas loan?

All Texas loans are originated through Secure Financial Services, Inc. (NMLS #70160) – Silver Mortgage Funding Group, LLC (NMLS #360472).
 
Steve Silver is your licensed loan originator in Texas (NMLS #314817). Secure Financial Services, Inc. (NMLS #70160) is a licensed mortgage company in Texas, Colorado, and Florida. Silver Mortgage Funding Group, LLC (NMLS #360472) is a licensed Texas mortgage company. Both entities are fully licensed and regulated to ensure your Texas home loan is handled professionally and in compliance with all state regulations.

Can I get a mortgage in Texas?

We make it easy to pre-qualify for a mortgage in Texas. The qualification process is straightforward.

You’ll need basic income and employment documentation, such as pay stubs, W-2s or tax returns (if self-employed), bank statements, and credit authorization. We walk you through the entire process step-by-step, whether you’re a first-time homebuyer, self-employed, or have unique financial circumstances.

Apply for your Texas Mortgage Here

Check out the blog at www.SteveSilverNow.com  for  Texas mortgage, real estate and financial information that you won’t find anywhere else.

Scroll to Top