NMLS #360472 (TX) #314817 (TX) #70160 (TX) #LO91968 (FL) #100538170 (CO)
Silver Mortgage – Steve Silver
Licensed Mortgage Broker – Since 1981
✓ 44+ years serving Texas, Colorado, Florida
✓ 5.0-star verified reviews (Google, Zillow, Yelp)
✓ Both broker AND direct lender—20+ wholesale lenders
✓ $0 application fee, $0 upfront fees, transparent pricing
Why Choose Silver Mortgage?
Personal Service
- Work directly with Steve Silver (NMLS #314817)—not a call center or chatbot
- Fast response times and clear, transparent explanations
- Your personal information handled with care and privacy
Maximum Options
- Access 20+ wholesale lenders with one credit pull
- Both broker AND direct lender—more loan programs than any single bank
- Specialized programs: VA (0% down), FHA, conventional, jumbo, DSCR, HELOCs
Local Expertise
- Houston: Flood zone analysis, MUD tax calculations, Harris County homestead exemptions
- Texas: Cash-out refinance laws (80% LTV limit), property tax variations
- Colorado: Mountain community financing, resort properties
- Florida: Gulf Coast properties, hurricane insurance requirements
Transparent Pricing
- $0 application fee, $0 upfront fees
- Detailed Loan Estimate within 3 business days
- No hidden fees—we explain every line item
Proven Track Record
- Serving homebuyers and homeowners since 1981
- 5.0-star average rating across Google, Zillow, and Yelp
- Most clients return to us for their next loan—and refer friends and family
Specialized Expertise
- VA Loans: 0% down, no PMI, streamline refinancing
- Self-Employed: We understand your challenges and know all programs
- Real Estate Investors: DSCR loans, portfolio lending
- Commercial Real Estate: Multi-family, industrial, office, land development
You Served. We’ll Serve You.
You earned your VA loan benefit through your service. We make sure you get every advantage you’re entitled to:
VA Purchase Benefits:
- $0 down payment required
- No private mortgage insurance (PMI)
- Competitive rates for veterans and active military
- Available in Texas, Florida, and Colorado
VA Refinance Benefits:
- VA IRRRL (streamline): Lower your rate with minimal paperwork, no appraisal
- VA Cash-Out: Access your home equity (subject to Texas 80% LTV limit)
- No prepayment penalties
We’ve helped hundreds of veterans and active military members secure VA financing across Texas, Florida, and Colorado. We know the program inside and out because we know what your service means.
Steve Silver, NMLS #314817 Licensed in TX, FL, CO
Since 1981, most of our clients come back to us—and bring their friends and families.
That's the highest compliment we can receive. Our repeat client and referral rate reflects the trust we've built over 44+ years of transparent, personal service.
Choose the mortgage that's right for you!
Contact us today for a personalized consultation! Email or the contact card to the right is fastest.
Check out the blog at www.SteveSilverNow.com for Texas, Colorado & Florida mortgage, real estate, and financial information that you won’t find anywhere else.