Spring Texas Mortgage Broker - Silver Mortgage
Spring Mortgage Company - Silver Mortgage
20+ Wholesale Lenders. 21 to 30 Day Mortgage Closings. Local Loan Processing.
Established in 1981. 5-star verified client ratings by TrustIndex.
$0 Mortgage Application Fee. Same-Day Detailed Cost Worksheets. Same-Day Mortgage Pre-Qualification.
Spring Mortgage Company - Silver Mortgage
20+ Wholesale Lenders. 21 to 30 Day Mortgage Closings. Local Loan Processing.
Established in 1981. 5-star verified client ratings by TrustIndex.
$0 Mortgage Application Fee. Same-Day Detailed Cost Worksheets. Same-Day Mortgage Pre-Qualification.
Silver Mortgage specializes in home mortgage financing and refinancing in Spring, Texas including cash-out refinancing and home equity lines of credit (HELOCs). Silver Mortgage also specializes in Commercial and investment Real Estate mortgage and finance. 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.*
Last Updated: January 28, 2026
- Silver Mortgage 44+ years serving Spring – Since 1981 with experience in energy sector relocations (ExxonMobil Greenspoint campus, HP Inc. Spring campus, Southwestern Energy), master-planned communities (Gleannloch Farms, Augusta Pines, Spring Creek), and Old Town Spring area financing
- $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
- Alternative documentation programs – Bank statement mortgage loans for self-employed borrowers and business owners; DSCR mortgage loans for real estate investors; asset depletion mortgage loans for retirees
- Wholesale pricing advantage – Silver Mortgage wholesale lender access could mean lower costs than retail banks; $0 application fees
- Service areas – Spring neighborhoods (Gleannloch Farms, Augusta Pines, Spring Creek, Old Town Spring, Cypresswood, Northgate Forest), Klein area, Montgomery County and Harris County
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers
Mortgage Loan Programs for Spring Texas
✅ Silver Mortgage specializes in mortgage programs for borrowers in Spring who don’t fit traditional bank guidelines. Whether you’re self-employed, a veteran, a retiree with assets but limited income, or buying your first home or investment property, Silver Mortgage has loan programs designed for your situation.
First-Time Homebuyer Mortgage in Spring
FHA mortgage (3.5% down), VA mortgage (0% down), Conventional mortgage (3% down).
Learn More →Refinancing Your Mortgage in Spring with Silver Mortgage
Mortgage refinancing can lower your interest rate, reduce monthly payments, or allow you to tap into home equity.
Learn More →Buying Your Next Home With A Mortgage from Silver Mortgage
Mortgage financing for your next home purchase in Spring, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs in Spring that don’t require income verification.
Learn More →Self-Employed Mortgage
Bank statement mortgage loans, P&L mortgage programs, and other mortgage solutions utilizing alternative documentation.
Learn More →VA Mortgage
VA loans: 0% down, no PMI, competitive rates for active duty and veterans.
Learn More →❓ Moving to Spring?
Frequently Asked Questions: Spring Mortgage Financing
Common mortgage questions from Spring homebuyers and homeowners since 1981.
I’m relocating to Spring. Can I get pre-qualified remotely?
Yes. We handle remote mortgage pre-qualifications for relocations to Spring. Apply online, upload documents digitally, receive same-day pre-qualification. No physical presence required. $0 application fee.
Do you offer mortgage programs for ExxonMobil Greenspoint campus employees?
Yes. We offer mortgage programs for ExxonMobil employees relocating to Spring. HP Inc. Spring campus professionals also eligible. Energy sector income verification experience. Access to 20+ wholesale lenders. $0 application fee.
Do you finance homes in Gleannloch Farms and Augusta Pines?
Yes. We specialize in master-planned community financing including Gleannloch Farms, Augusta Pines, and Spring Creek. New construction and resale homes. FHA, VA, Conventional, and Jumbo loan programs available.
How long does it take to refinance my Spring mortgage?
Most Spring refinances close in 21-30 days. No mandatory waiting period unless refinancing a Texas Home Equity Loan (one-year wait required by Texas law). $0 application fee.
How much down payment do I need to buy a Spring home?
Down payment requirements vary by loan type: FHA (3.5% minimum), Conventional (3-5% minimum), VA (0% for eligible veterans). $0 application fee. 21-30 day closings.
How do self-employed borrowers qualify for Spring mortgages?
Self-employed borrowers can use 12 or 24 months of bank statements to verify income (no tax returns required). We also offer Asset Depletion Loans for business owners with significant liquid assets. $0 application fee.
What are jumbo mortgage loans for Spring homes?
Jumbo mortgage loans exceed the Harris County conforming loan limit of $832,750. We access 20+ wholesale lenders for competitive jumbo loan rates.
Can I get a HELOC for Spring home renovations?
Yes. Home Equity Lines of Credit (HELOCs) allow you to access home equity for renovations, repairs, or other expenses. We also offer FHA 203(k) and HomeStyle renovation loans that combine purchase or refinance with renovation financing. $0 application fee.
How does Texas cash-out refinancing work for Spring homeowners?
Texas cash-out refinancing allows you to access home equity up to 80% loan-to-value. You must wait 12 months after your original mortgage closing or previous cash-out refinance. 21-30 day closings. $0 application fee.
What credit score is required to buy a Spring home?
Minimum credit score depends on loan type: FHA (580 minimum), Conventional (620 minimum), VA (no official minimum), Jumbo (varies).
Frequently Asked Questions About Spring, TX Mortgages
What is the difference between buying in Klein ISD vs. Spring ISD?
While both are in the Spring area, Klein ISD generally covers the western and central parts of Spring (including Gleannloch Farms and Champion Forest) and is often a primary draw for families. Spring ISD covers the eastern side. Property values and tax rates can vary significantly between these two school district zones, so it is critical to check the specific school zoning for any home you are considering.
Are property taxes high in Spring, Texas?
Property taxes in Spring typically range from 2.2% to 3.4%. The variance is largely due to MUD (Municipal Utility District) taxes. Older neighborhoods (like the original Champions area) often have lower tax rates because their MUD bonds are paid off, whereas newer developments (like Harmony or Woodson's Reserve) may have higher rates to pay for new infrastructure. We provide a detailed "Total Monthly Payment" breakdown that includes these specific tax rates.
Do I need flood insurance in Spring?
Given the proximity to Cypress Creek and the history of events like Hurricane Harvey, we strongly recommend flood insurance for all homeowners in Spring, even if you are in "Zone X" (low risk). Many lenders will require it if you are in a high-risk zone (Zone AE), but nearly 30% of flood claims come from low-risk zones. The cost is often very affordable for Zone X properties.
What are the mortgage loan limits for Harris County in 2026?
For 2026, the conforming loan limit for a single-family home in Harris County is $806,500. Loans above this amount are considered Jumbo Loans. Silver Mortgage offers competitive rates for both Conforming and Jumbo mortgages, with Jumbo options allowing for as little as 10% down payment in some cases.
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.
“Steve was very patient throughout the very tedious and difficult task of completing the refinancing. He was very responsive to all my questions and concerns and stayed on top of receiving and filing all the necessary documents. From the day I contacted Steve to the recent…”
“His communication was thorough and timely. His communication was thorough and timely. Steve was really responsive and helpful. His communication was thorough and timely. With his help we were able to close quickly and without a hitch (which is no small feat these days). He’s…”
“Steve was impeccable in his knowledge of the mortgage process. We had initially applied for a mortgage from another lender but ultimately went with Steve and his team. His knowledge of the process, the finite details and how best to achieve our goals gave us confidence…”
“Steve is experienced, professional, and is available 24/7. I’ve been sending him referrals for many years, and he has never let me down. One of the main reasons is because he offers extremely competitive rates and fees. Also, he is a problem solver. He knows how to handle…”
“Steve went above and beyond hes obligations for my family and was and still is very educational and informal during the whole process of my loan from start to finish! He left me at the end of every conversation we had feeling comfortable and well informed with each part of…”
“Easiest refinance EVER!!! Steve was informative, professional, responsive, and no matter what time of day he always answered all of our questions! Robin was equally as lovely to work with. Been though a few home purchases/refinances none come close to the consumer service…”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to Get Your Spring Mortgage Rate Quote?
No upfront costs. No obligations. Local Spring, Texas mortgage company – 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