Spring Texas Mortgage Broker - Silver Mortgage
Spring Texas Mortgage Broker. Affordable, Reliable, Fast and 5-star rated Since 1981.
$0 Cost to Apply. Fast & Free Quotes. Same Day Mortgage Pre-Qualification.
✓ Access rates from 20+ wholesale mortgage lenders with only one credit pull. $0 application fee, $0 upfront fees
✓ Spring Texas Mortgage Broker Since 1981: 44+ Years of Local Purchase, Refinance, & Cash-Out Experience. Old Town Spring, Augusta Pines, Gleannloch Farms, Spring Creek, Cypresswood, and beyond
✓ Direct access to your loan processor. Application to mortgage closing, usually within 21-30 days. Same Day Mortgage Pre-Qualification
What Our Clients Say
“Everyone on staff at Silver Mortgage is very knowledgeable, honest and responsive.” — Pat S., Houston, 2013
“We got the rate we wanted, and the closing cost was close to what he estimated.” — First-Time Homebuyer, Houston, 2011
“I was a first-time homebuyer AND I had to deal with a difficult seller. Steve successfully guided me through the mortgage process.” — Tamara T., 2016
TL;DR – Spring Texas Mortgage Broker Quick Facts
- ✓ Financing Spring homes since 1981 — 44+ years of local mortgage lending experience. Specializing in home purchases, refinancing, and cash-out loans across the Spring region.
- Same Day Mortgage Pre-Qualification in Spring.
- ✓ We access 20+ wholesale mortgage lenders with one credit pull—you choose the mortgage rate and terms that fit your needs — $0 application fee, $0 upfront fees, Loan Estimate in 3 business days. Get competitive mortgage rates in Spring.
- ✓ Direct access to your loan processor — Local processing from application to closing, usually within 21-30 days. Your reliable source for FHA, VA, and conventional home loans.
🔑 Key Insight: Refinancing in 2026
As interest rates decline, refinancing your home in Spring could lower your monthly mortgage payment. We offer multiple mortgage 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 mortgage rate or change your loan term
- Cash-Out Refinance – Access your equity (Texas 80% LTV limit)
As a mortgage broker with wholesale lender access, we can compare 20+ mortgage lenders to find you competitive mortgage refinance rates. $0 application fee, $0 upfront fees and just 1 credit pull. Typical timeline to mortgage closing: 21-30 days.
💡 Quick Tip: Mortgage Financing for Spring Homeowners and Homebuyers
Work at ExxonMobil Spring Campus or relocating to Spring for energy sector employment? We specialize in purchase and refinance mortgage loans for Spring homeowners and homebuyers, including Old Town Spring, Augusta Pines, Gleannloch Farms, and all Klein ISD and Spring ISD neighborhoods. Whether you’re buying your first home, refinancing to a lower mortgage rate, or moving up to a larger property, we help you find the right mortgage loan program.
Process: We access 20+ wholesale mortgage lenders to find you competitive mortgage rates for purchase or refinance—one credit pull, you choose the best mortgage fit. Same Day Mortgage Pre-Qualification.
Timeline: 21-30 days to close, $0 application fee.
Why Spring?
✓ 20 miles north of Downtown Houston — easy commute to Houston’s Energy Corridor and Medical Center
✓ Klein ISD and Spring ISD — top-rated school districts serving 50,000+ students
✓ Old Town Spring — historic district with 150+ shops, restaurants, and festivals
✓ ExxonMobil Spring Campus — major employment hub with 10,000+ employees
✓ Master-planned communities — Augusta Pines, Gleannloch Farms, Cypresswood
✓ Affordable family living — lower home prices than inner-loop Houston with excellent amenities
The only North Houston suburb where you can:
- Live minutes from Old Town Spring’s historic charm
- Access top-rated Klein ISD and Spring ISD schools
- Commute easily to Houston’s Energy Corridor and Downtown
- Enjoy master-planned community amenities at affordable prices
- Experience small-town character with big-city convenience
Located 20 miles north of Downtown Houston with 60,000+ residents, Spring offers family-friendly living with excellent schools and employment access.
💡 Did You Know? One Credit Pull = 20+ Lender Options
When you apply with Silver Mortgage, we pull your credit once and use that single report to access wholesale mortgage rates from 20+ mortgage lenders. This protects your credit score while giving you maximum home loan options in Spring.
Compare this to: Applying with 5 different mortgage lenders = 5 credit pulls = potential credit score impact.
With us: 1 credit pull, 20+ lender options, $0 application fee, Same Day Mortgage Pre-Qualification.
Spring Texas Neighborhoods We Serve
Old Town Spring
Old Town Spring is the heart of the community, featuring a historic downtown district with 150+ locally-owned shops, restaurants, galleries, and seasonal festivals. The surrounding neighborhoods offer charming homes with character, tree-lined streets, and walkability to downtown amenities. Homes typically range from $250,000 to $500,000+, and we specialize in conventional, FHA, and VA mortgage loans for Old Town Spring homeowners and homebuyers. We understand Harris County mortgage requirements and local appraisal considerations.
Augusta Pines
Augusta Pines is one of Spring’s premier master-planned communities, offering resort-style amenities including pools, parks, tennis courts, and a golf course. This family-friendly neighborhood features highly-rated Klein ISD schools and easy access to I-45 and Hardy Toll Road. We help homeowners and homebuyers navigate purchase and refinance mortgage financing for Augusta Pines properties, with down payment options as low as 3% for qualified buyers.
Gleannloch Farms
Gleannloch Farms is a well-established master-planned community featuring an 18-hole golf course, pools, parks, and extensive walking trails. The neighborhood offers a mix of home styles and prices, making it popular with both first-time homebuyers and move-up buyers. We specialize in mortgage financing for Gleannloch Farms properties, with FHA, VA, and conventional mortgage loan programs available.
Spring Creek
Spring Creek offers affordable family living with convenient access to Spring ISD schools, shopping, and dining. This established neighborhood features a range of home styles and prices, making it ideal for first-time homebuyers and homeowners refinancing to lower mortgage rates. We help buyers and homeowners understand mortgage loan options for Spring Creek’s diverse home inventory, from FHA loans to conventional financing.
Cypresswood
Cypresswood is centrally located with easy access to I-45, Hardy Toll Road, and the ExxonMobil Spring Campus. This diverse neighborhood offers a mix of single-family homes, townhomes, and condos at various price points. We specialize in purchase and refinance mortgage loans for Cypresswood homeowners and homebuyers, including conventional, FHA, VA, and jumbo financing options.
Klein Area
The Klein area encompasses multiple neighborhoods served by the highly-rated Klein ISD, one of the top school districts in the Houston metro. The area features a mix of established and newer communities with excellent amenities and convenient access to major employment centers. We help homeowners and homebuyers navigate purchase and refinance mortgage financing for Klein area properties at all price points.
Spring Texas at a Glance
| Location | 20 miles north of Downtown Houston |
| County | Harris County |
| Schools | Klein ISD and Spring ISD (top-rated, 50,000+ students combined) |
| Popular Neighborhoods | Old Town Spring, Augusta Pines, Gleannloch Farms, Spring Creek, Cypresswood, Klein Area |
| Median Home Price | ~$300,000–$400,000 |
| 2026 FHA Loan Limit | $541,287 |
| 2026 Conventional Loan Limit | $832,750 |
| Mortgage Loan Programs | FHA, VA, Conventional, Jumbo, Renovation, 2nd home, Investor |
Mortgage Rate
Quote
$0 application fee. $0 upfront costs.
Same Day Mortgage Pre-Qualification
Spring Texas
Mortgage Options
Conforming - Non-Conforming
FHA-VA
Purchase - Refinance
Cashout - HELOC
Renovation-Construction
Lot-Land Loans
Investment - DSCR
Local Mortgage Processing
Close in 21-30 days.
Fast closings at no extra cost
Spring Texas Mortgage FAQs
How much will my mortgage cost in Spring, Texas?
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 mortgage rates and avoid PMI (private mortgage insurance). We offer programs with down payments as low as 3% and 0% for VA loans for veterans.
- Credit Score: Higher credit scores qualify for lower interest rates. We work with a variety of credit profiles to find you a competitive mortgage 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 (e.g., W-2, 1099, K1, tax returns) typically qualifies for lower mortgage 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 lower mortgage 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
We access 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and loan terms for your Spring home purchase or refinance. Same Day Mortgage Pre-Qualification, 21-30 days to close.
How much does a mortgage broker cost in Spring, Texas?
Silver Mortgage charges $0 application fee and $0 upfront fees for your home loan in Spring. As both a mortgage broker and a direct mortgage lender, we access wholesale mortgage lenders and fund mortgage loans directly in-house. Our mortgage broker fee (if any) is disclosed on your Loan Estimate within 3 business days of mortgage application and is typically paid at mortgage closing.
Many Spring homebuyers and homeowners pay zero out-of-pocket mortgage broker fees because lender credits can cover closing costs. We access FHA, VA, and conventional mortgage rates from 20+ wholesale mortgage lenders—you choose the best mortgage fit for your Spring home purchase or refinance.
Timeline: Same Day Mortgage Pre-Qualification, 21-30 days to close.
You can access mortgage rates from our approved 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 Spring home loan.
What Spring, Texas neighborhoods do you serve?
We serve all Spring neighborhoods, including:
- Old Town Spring – Historic district with shops, restaurants, and festivals
- Augusta Pines – Premier master-planned community with golf course
- Gleannloch Farms – Established community with golf course and amenities
- Spring Creek – Affordable family-friendly neighborhood
- Cypresswood – Centrally located with diverse housing options
- Klein Area – Top-rated Klein ISD schools
We provide purchase and refinance mortgage loans throughout Spring, Klein ISD, Spring ISD, and all of Harris County. Whether you’re buying your first home or refinancing to a lower mortgage rate, we help Spring homeowners and homebuyers find competitive mortgage rates.
What If I’m Relocating to Spring?
Moving to Spring from Houston, Dallas, Austin, or out of state? You can get pre-qualified for a mortgage loan before you relocate. We work with buyers moving to Augusta Pines, Gleannloch Farms, Old Town Spring, and all Spring neighborhoods.
❓ What If I’m Relocating to Spring?
Moving to Spring from Houston, Dallas, Austin, or out of state? You can get pre-qualified for a mortgage loan before you relocate. We work with buyers moving to Augusta Pines, Gleannloch Farms, Old Town Spring, and all Spring neighborhoods.
Process: Apply online, get pre-qualified with $0 application fee. Loan programs: FHA (3.5% down), VA (0% down), Conventional (3% down), Jumbo (for luxury homes). Same Day Mortgage Pre-Qualification. Timeline: 21-30 days to close.
How many times will my credit be pulled?
Silver Mortgage pulls your credit once for your Spring mortgage application.
We use that single credit report to access wholesale mortgage rates from 20+ mortgage lenders.
This protects your credit score and saves time. You receive multiple mortgage loan options (FHA, VA, conventional) with just one credit pull. Compare this to applying with 5 different mortgage lenders in Spring = 5 credit pulls = potential credit score impact. Our process: One credit pull, one mortgage application, 20+ wholesale mortgage lenders. You choose the best mortgage rate and loan terms. $0 application fee, Same Day Mortgage Pre-Qualification, 21-30 days to mortgage closing.
Are you a broker or a direct lender?
Silver Mortgage is both a mortgage broker and a direct mortgage lender in Spring, giving you more loan options with just one credit pull.
As a mortgage broker, we access dozens of wholesale lenders. As a direct mortgage 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 competitive mortgage rates for your mortgage.
Silver Mortgage also arranges Home Equity Loans, HELOCs, plus commercial, multi-family, construction, and land loans throughout Harris County and the Houston area.
How long does it take to fund my new mortgage in Spring, Texas?
Most Spring mortgage loans close within 21-30 days from mortgage application to funding, whether you’re buying a home in Old Town Spring, refinancing your home in Augusta Pines, or investing in rental properties in Gleannloch Farms.
Timeline factors include mortgage loan type (FHA, VA, or conventional), appraisal scheduling, title work, and completeness of documentation.
Our process speeds things up: We access 20+ wholesale mortgage lenders with one credit pull, giving you competitive mortgage rates and faster mortgage approval. Direct access to your loan processor means no delays.
Typical Spring mortgage timeline: Same Day Mortgage Pre-Qualification → Loan Estimate in 3 business days → Mortgage closing in 21-30 days. $0 application fee, $0 upfront fees.
You’ll have local access to us, including direct contact with your loan processor. We understand Harris County closing requirements, and work efficiently to meet your timeline.
*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).
🚫 Myth Debunked: “I Need 20% Down to Buy a Home in Spring”
Reality: Many homebuyers qualify for mortgage 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 Spring homebuyer? Get your personalized Loan Estimate showing exact down payment requirements in 3 business days—$0 application fee, Same Day Mortgage Pre-Qualification, 21-30 day closing timeline.
What credit score do I need to get a mortgage in Spring, Texas?
Credit score requirements for mortgage financing vary by loan type:
- FHA loans: 580+ credit score (3.5% down) or 500-579 (10% down)
- Conventional loans: 620+ credit score (typically 3-5% down)
- VA loans: No minimum credit score required by VA, but most lenders prefer 580-620+
- Jumbo loans: Varies. We have non-conforming jumbo and super-jumbo programs available.
What Silver Mortgage provides: We access 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and terms that fit your needs. $0 application fee, $0 upfront fees, Loan Estimate in 3 business days.
Same Day Pre-Qualification in the format your realtor or seller requires for Spring home purchases.
How much down payment do I need for a Spring, Texas home?
Down payment requirements for Spring mortgage financing vary by loan type:
- FHA loans: 3.5% down (2026 loan limit: $541,287 in Harris County)
- Conventional loans: 3% down for first-time buyers, 5% for repeat buyers (2026 loan limit: $832,750 in Harris County)
- VA loans: $0 down for eligible veterans and active military (no loan limit for qualified borrowers)
- Jumbo loans: 10-20% down for loans above $832,750
What Silver Mortgage provides: We access 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and terms that fit your needs. $0 application fee, $0 upfront fees, Loan Estimate in 3 business days showing your exact down payment requirement.
Same Day Pre-Qualification in the format your realtor or seller requires for Spring home purchases.
*Down payment requirements subject to loan approval based on credit score, income, employment history, debt-to-income ratio, and property type. Actual requirements may vary.
How long does it take to get pre-qualified for a Spring, Texas mortgage
Same Day Mortgage Pre-Qualification is available for Spring homebuyers and homeowners. We provide your pre-qualification letter in the format your realtor or seller requires—typically within a few hours of receiving your basic information.
What we need for pre-qualification: Approximate credit score, income information, employment status (W-2 employee or self-employed), and source of funds for down payment and closing costs (bank account, sale of another property, gift, etc.). We compare 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and terms.
Timeline: Pre-qualification same day, Loan Estimate in 3 business days, closing in 21-30 days. $0 application fee, $0 upfront fees.
Whether you’re buying a home in Old Town Spring, Augusta Pines, or any Spring neighborhood, we help you get pre-qualified quickly so you can make competitive offers on Spring homes.
*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).
*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).
Ready to Get Your Started with Your Mortgage Rate Quote?
No upfront costs. No obligations. Local Spring, Texas mortgage lender since 1981.
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Popular Loan Programs in Spring, Texas
• Conforming Mortgage
• FHA Mortgage
• VA Mortgage
• Jumbo Mortgage
• Refinance Mortgage
• First-Time Homebuyer Mortgage
• Investment Property Mortgage
• Cashout–Home Equity
• HELOC
• DSCR
• Land-Lot Loans
• Self-Employed
• Bank Statement Mortgage
• Reverse Mortgage
• Construction – Perm Financing