Dosey Doe - 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

Houston Mortgage Broker
Steve Silver - Silver Mortgage

TL;DR: Silver Mortgage is a Texas-licensed mortgage broker and direct mortgage lender serving Houston homebuyers and homeowners since 1981. We shop 20+ wholesale lenders to find you competitive home loan rates with a single application and credit report.

Serving The Woodlands, Katy, Sugar Land, Cypress & Greater Houston Metro

Since 1981, Silver Mortgage has helped Houston-area homebuyers and homeowners get competitive mortgage rates for home purchases, refinancing, and home equity loans across Greater Houston Metro.

free HOUSTON MORTGAGE QUOTE

Why Choose Silver Mortgage for Your
Houston Home Loan?

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Serving Houston Since 1981

Since 1981, we've helped Houston families navigate the local market and secure competitive mortgage rates across Greater Houston Metro.

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

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Local Houston
Expertise

Deep knowledge of Houston neighborhoods, MUD districts, flood zones, and local market conditions to guide your home purchase.

Houston Areas We Serve

The Woodlands

Mortgage broker serving The Woodlands and surrounding areas.

Houston Metro

Houston home loans and refinancing services throughout the Houston Metro area since 1981.

Medical Center
Inside-the-Loop

Inside the loop mortgage rates and home financing for the Heights, Montrose, West University, Bellaire and the Texas Medical Center.

Humble
Kingwood

Humble and Kingwood mortgage broker since 1981

Spring

Spring home loans and MUD tax expertise

Katy

Katy mortgage rates and first-time buyer programs

Cypress

Cypress home financing and refinancing

Sugar Land

Sugar Land mortgage broker and loan expert

Pearland

Pearland home loans and competitive rates

League City
Clear Lake

League City mortgage broker and refinancing

Conroe
Lake Conroe

Conroe and Lake Conroe area home financing

Pasadena
Baytown

Pasadena mortgage rates and home loans

Houston 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 Houston and Greater Houston Metro (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 the best deal for your Houston home loan with just one credit report.

How much does a mortgage broker cost in Houston?

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 Houston home loan. There are no hidden fees, and you’ll know exactly what you’re paying before you commit.

What Houston areas and neighborhoods do you serve?

We serve all Greater Houston Metro areas including The Woodlands, Katy, Sugar Land, Cypress, and surrounding neighborhoods.
 
Our Houston coverage includes The Woodlands, Houston Metro (Heights, Montrose, West University, Bellaire, Medical Center), Humble, Kingwood, Spring, Katy, Cypress, Sugar Land, Pearland, League City, Clear Lake, Conroe, Lake Conroe, Pasadena, and Baytown. We understand Houston-specific factors like MUD districts, flood zones, and local market conditions to guide your home purchase.

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 Houston home loan.

Are you a broker or a direct lender in Houston?

Silver Mortgage is both a mortgage broker and a direct lender in Houston, 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.. 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 Houston mortgage.
 

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

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

What Houston mortgage programs are available?

Houston borrowers have access to FHA, VA, conventional, jumbo, USDA, renovation, and Texas cash-out refinance programs.

We offer all major loan programs for Houston 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 Houston properties, USDA loans for rural areas outside Houston, 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 Houston property. Our Houston expertise includes understanding MUD tax implications and flood zone requirements.

What mortgage company will originate my Houston loan?

All Houston loans are originated through Secure Financial Services, Inc. (NMLS #70160) or 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 Houston home loan is handled professionally and in compliance with all Texas regulations.

Can I get a mortgage in Houston?

We make it easy to pre-qualify for a mortgage in Houston. 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 Houston homebuyer, self-employed, or have unique financial circumstances.

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

Ready to Get Your Houston Mortgage Quote?

No upfront costs. No obligations. Local expertise since 1981.

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

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