Fort Worth Mortgage Company - Silver Mortgage
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Last Updated: February 13, 2026
Silver Mortgage specializes in home mortgage financing and refinancing in Fort Worth, including cash-out refinancing and home equity lines of credit (HELOCs). Silver Mortgage also specializes in Commercial and investment real estate mortgages and financing. Silver Mortgage’s wholesale lender access to 20+ lenders means lower costs than retail banks, with a single application and a single credit pull to compare multiple mortgage rate quotes. Steve Silver, NMLS #314817, is licensed in Texas, Colorado, and Florida.*
- Silver Mortgage 44+ years financing Fort Worth homes – Since 1981 with deep expertise in Tarrant County mortgage lending, VA loans for military-affiliated buyers near Naval Air Station Fort Worth JRB, Lockheed Martin, and Bell Helicopter, and specialized financing for Fairmount, Ryan Place, Berkeley, TCU, and Sundance Square neighborhoods.
- $0 mortgage application fee, $0 upfront costs – Silver Mortgage access to 20+ wholesale mortgage lenders with one credit pull, same-day mortgage pre-qualification available for Fort Worth homebuyers and homeowners.
- VA mortgage loans for Fort Worth military and veterans – $0 down payment VA loans for active military and veterans near Lockheed Martin, Bell Helicopter, and Naval Air Station Fort Worth JRB. VA Streamline (IRRRL) refinance for lower rates. VA Cash-Out Refinance for debt consolidation, home improvements, or investment capital.
- Texas cash-out refinancing for Fort Worth homeowners – Access home equity (up to 80% LTV) for debt consolidation, investment capital, education funding, or home improvements. 12-month waiting period after original mortgage. 21-30 day closings. $0 application fee.
- Wholesale pricing advantage – Silver Mortgage wholesale lender access could mean lower costs than retail banks; $0 application fees, $0 upfront fees, competitive rates on FHA, VA, Conventional, and Jumbo mortgage loans.
- 21 to 30-day closings – Direct access to your local loan processor from application to closing, no call centers; remote pre-qualification available for Fort Worth homeowners and homebuyers.
❓ Moving to Ft Worth?
Moving to Ft Worth?
Relocating to Fort Worth? Get pre-qualified before you move. Apply online, $0 application fee, 21-30 day closings.
Ft Worth Mortgage FAQs
How does Texas cash-out refinancing work for Fort Worth homeowners?
Texas cash-out refinancing allows Fort Worth homeowners to access home equity (up to 80% loan-to-value under Texas law). You must wait 12 months after your original mortgage closing or previous cash-out refinance before applying. Silver Mortgage handles all Texas-specific mortgage documentation requirements. 21-30 day closings. $0 application fee. Common uses: debt consolidation, home improvements, investment capital, education funding, or building cash reserves.
Can I refinance my Fort Worth home to consolidate credit card debt?
Yes. Fort Worth homeowners can use Texas cash-out refinancing to consolidate high-interest credit card debt, personal loans, auto loans, or student loans into a single lower-rate mortgage payment. Access up to 80% of your Fort Worth home’s value. 12-month waiting period after original mortgage. Silver Mortgage compares rates from 20+ wholesale lenders with one credit pull. $0 application fee. 21-30 day closings.
What is a VA Streamline (IRRRL) refinance for Fort Worth veterans?
VA Streamline refinance (Interest Rate Reduction Refinance Loan or IRRRL) allows Fort Worth veterans and active military to refinance their existing VA loan to a lower interest rate with minimal documentation. No appraisal required in most cases. No income verification required. $0 down payment. Lower monthly payments. Available for Fort Worth homeowners near Naval Air Station Fort Worth JRB, Lockheed Martin, and Bell Helicopter. $0 application fee. 21-30 day closings.
Can I use Fort Worth cash-out refinance for investment capital?
Yes. Fort Worth homeowners can access home equity through Texas cash-out refinancing (up to 80% LTV) to fund investment opportunities, business expansion, or real estate purchases. 12-month waiting period after original mortgage. Silver Mortgage accesses 20+ wholesale lenders to compare your rate options with one credit pull. $0 application fee. 21-30 day closings.
Can I refinance my Fort Worth mortgage to lower my monthly payment?
Yes. Fort Worth homeowners can refinance to lower monthly payments through rate-and-term refinancing (no cash out). Silver Mortgage compares rates from 20+ wholesale lenders with one credit pull to find your lowest payment option. FHA Streamline refinance, VA Streamline (IRRRL), and conventional refinance available. $0 application fee. 21-30 day closings.
What are VA mortgage loans for Fort Worth military and veterans?
VA mortgage loans offer $0 down payment for eligible Fort Worth veterans, active military, and military-affiliated buyers near Naval Air Station Fort Worth JRB, Lockheed Martin, and Bell Helicopter. No private mortgage insurance (PMI) required. Competitive interest rates. VA Cash-Out Refinance available for debt consolidation or home improvements. Silver Mortgage accesses 20+ wholesale lenders with one credit pull. $0 application fee. 21-30 day closings.
How much down payment do I need to buy a Fort Worth home?
Down payment requirements vary by loan type: FHA (3.5% minimum), Conventional (3-5% minimum), VA (0% for eligible veterans and active military), USDA (0% for eligible rural areas outside Fort Worth). Silver Mortgage helps you determine which program fits your financial situation. $0 application fee. 21-30 day closings.
How do self-employed borrowers qualify for Fort Worth mortgages?
Silver Mortgage verifies income using 12 or 24 months of personal or business bank statements. Silver Mortgage also offers Asset Depletion Loans for Fort Worth business owners and entrepreneurs with significant liquid assets. Alternative income documentation programs for 1099 contractors and gig economy workers. $0 application fee. 21-30 day closings.
What credit scores are required to buy a Fort Worth home?
Minimum credit score depends on loan type and is subject to change: FHA (580 minimum), Conventional (620 minimum), VA (no official minimum), Jumbo (varies by lender). Silver Mortgage accesses 20+ wholesale lenders with one credit pull to find your best loan option regardless of credit score. $0 application fee. 21-30 day closings.
How fast can you close a Fort Worth mortgage?
Silver Mortgage closes Fort Worth mortgages in 21-30 days. Direct access to your local loan processor from application to closing, no call centers. Same-day mortgage pre-qualification available. $0 application fee. Faster closings available for VA Streamline (IRRRL) and FHA Streamline refinances.
*Disclosure: Direct lending services and wholesale are 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).
What Our Clients Say About Silver Mortgage – Steve Silver
Here are 6 out of 307 verified reviews across Google, Zillow, Yelp, Facebook and Social Survey.
“My family and I recommend Silver Mortgage Funding, they are very professional, kind and communicative. They answered all our questions and explained every step in detail.”
“Great experience! I have been working with them for 8 years now and Steve and his team are the best!!”
“We have worked with Mr. Steve Silver on at least three different occasions, and he has been outstanding! He is extremely knowledgeable regarding current markets and helped us navigate the loan process with ease. He helped us get the lowest mortgage interest rate possible and tailored the loan to work for us. Steve has gone above and beyond what is required and provided exceptional service. We highly recommend him and we will most definitely work with him for our future financing needs.”
“It was really great to work with Steve. He was very helpful and transparent throughout my house buying process. Very prompt to reply, meticulous, and explained everything in detail. If you are with Steve then you don’t have to worry about any financial issues, he can solve it quickly. I would highly recommend his services to anyone and can guarantee his work without any doubts. He will always be a resource for any of our future needs!”
“Steve was amazing and extremely helpful, especially for my first time buying a home. He always responded promptly and answered questions in depth so I would understand the process. I would use Steve again in the future and definitely recommend him to anyone searching for a home!”
“Steve provided excellent support with email answers almost within the minute with accurate, detailed “case study” answers which provided good ground for own decision making. I would recommend Steve for anyone who wants to have a very knowledgeable lender who can work around obstacles when required.”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
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No upfront costs. No obligations. Local Fort Worth mortgage lender – since 1981.
