The Conroe Mortgage Broker - Silver Mortgage
TL;DR: Silver Mortgage is a Texas licensed mortgage broker and direct mortgage lender serving Conroe homebuyers since 1981.
We shop 20+ wholesale lenders to find you competitive home loan rates with a single application and credit pull.
"We Make Lenders Compete for Your Business, So You Get a Better Rate"
✓ One Application, One Credit Pull. We protect your credit score.
✓ No Upfront Costs
✓Serving Homeowners in Conroe Since 1981
River Plantation Lake Conroe Crighton Downtown Conroe Grand Central Park Wedgewood Del Lago April Sound Walden
Since 1981, Silver Mortgage has helped Conroe homebuyers and homeowners get competitive mortgage rates to purchase or refinance, and for Home Equity Loans and HELOCs.
No upfront costs to apply, no-obligation quotes and no pressure.
We work for you and your needs. You’ll get a competitive rate and a low-stress process.
Most of our clients are repeat clients and their referrals since we opened up in 1981.
Whether you’re buying your first home in River Plantation, upgrading to a waterfront property on Lake Conroe, or refinancing in Grand Central Park, we’re here to help you with a low cost, low rate Conroe Mortgage.
Why Choose Silver Mortgage in Conroe?
Serving Conroe
Since 1981
Purchase Loans - Refinance - Home Equity
5.0 Rating
From actual verified customer reviews
20+ Wholesale Lenders
We make lenders compete for you
Silver Mortgage is a Texas-licensed mortgage broker and direct mortgage lender serving Conroe, Texas. We shop 20+ wholesale lenders to find you competitive Conroe mortgage rates and the right loan program—all with one application and one credit pull.
Free Mortgage Quote
Transparent rate quotes that include all local costs—flood insurance, MUD taxes, and land financing—so you know your true monthly payment in Conroe.
Conroe Loan Options
We shop dozens of lenders to find the perfect loan for your home in Conroe, from conventional and FHA to jumbo loans for waterfront and land properties.
Fast Closing Process
Our local expertise in Conroe means we navigate flood certifications, land surveys, and title requirements efficiently, helping you close on time.
Buying or Refinancing in Conroe?
Whether you’re buying or refinancing a home in Conroe, Texas, two costs you might not know about are MUD (Municipal Utility District) taxes and flood insurance for waterfront properties.
For purchase transactions, these costs can add hundreds per month to your housing payment. They must be factored into your lender’s Debt-to-Income (DTI) ratio.
For refinances, understanding these costs helps you get accurate payment estimates and maximize your savings.
MUD taxes fund water, sewage, and drainage systems in master-planned communities throughout Conroe.
Depending on your neighborhood—whether it’s River Plantation, Grand Central Park, or Walden—MUD tax rates can add hundreds to your monthly payment.
Flood insurance is required for waterfront properties on Lake Conroe and homes in FEMA flood zones. Costs vary based on your property’s elevation and proximity to water.
On a $400,000 waterfront home, flood insurance might add $100-$300+ per month, depending on your flood zone.
At Silver Mortgage, we calculate these costs into your total monthly housing expense from day one—whether you’re buying your first home, upgrading to a larger property, or refinancing to lower your rate.
This ensures you’re qualified for the right loan amount and helps you avoid surprises during underwriting.
Many homeowners don’t know that MUD taxes and flood insurance must be included in their lender’s qualification calculations.
Understanding the actual cost of homeownership in Conroe—including property taxes, MUD district fees, and flood insurance—is essential for making an informed decision.
Silver Mortgage is a local mortgage company here to walk you through every detail, whether you’re buying or refinancing your home in Conroe, Texas.
As your local Conroe mortgage broker, Silver Mortgage has deep expertise in financing homes across all neighborhoods throughout Conroe and Montgomery County.
River Plantation
River Plantation is one of Conroe’s most established waterfront communities, featuring Lake Conroe access, mature trees, and excellent schools. Homes here typically range from $300,000 to $800,000+, with flood insurance and MUD tax rates varying by location.
Lake Conroe
Lake Conroe waterfront properties offer direct water access, boat docks, and stunning views. This area features a mix of luxury homes and vacation properties. We help buyers navigate flood insurance requirements and specialized financing for waterfront homes.
Grand Central Park
Grand Central Park is one of Conroe’s newer master-planned communities, offering modern homes with contemporary designs. The neighborhood features extensive amenities, parks, and proximity to I-45. As your Conroe mortgage broker, we calculate all HOA and MUD fees upfront.
Walden
Walden is a golf course community with resort-style amenities, including pools, tennis courts, and walking trails. This established neighborhood offers a range of home styles and prices, making it popular with both first-time buyers and move-up buyers.
April Sound
April Sound features Lake Conroe waterfront properties with private boat docks, golf course access, and country club amenities. We specialize in financing both conventional and jumbo loans for April Sound’s higher-value waterfront properties.
Whether you’re buying in River Plantation, Lake Conroe, Grand Central Park, or any other Conroe neighborhood, Silver Mortgage provides expert guidance on local property taxes, MUD fees, and flood insurance costs that impact your monthly payment.
Other Conroe Communities
Silver Mortgage serves homebuyers and homeowners in all Conroe communities.
Crighton is Conroe’s historic downtown district with renovated homes, walkable streets, and the iconic Crighton Theatre.
Downtown Conroe features a mix of historic properties and new urban development near the Montgomery County Courthouse.
Wedgewood is an established neighborhood with traditional homes and mature trees.
Del Lago is a waterfront golf course community on Lake Conroe with resort amenities.
Artavia is a 2,200-acre master-planned community in Conroe ISD with modern homes and extensive amenities.
Evergreen is a 740-acre Shea Homes community at FM 242 and FM 1314. Graystone Hills offers family-friendly neighborhoods with parks and trails.
Imperial Oaks features The Meadows master-planned community with new construction homes.
Conroe 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 own products.
We are licensed mortgage professionals serving Conroe and Montgomery County (NMLS #360472, #314817, #70160) and work with dozens of wholesale lenders. We’re also a direct lender offering your even more options (with just one credit report). Unlike banks, which can only offer their own mortgage products, we shop multiple lenders to find you the best rate and loan program. This is especially valuable in Conroe, where waterfront properties may require specialized loan programs that account for flood insurance and MUD taxes.
How much does a mortgage broker cost in Conroe?
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 our compensation is lender-paid (built into your rate) or borrower-paid (paid at closing). We explain both options and help you choose what’s best for your home loan in Conroe. There are no hidden fees, and you’ll know exactly what you’re paying before you commit.
What neighborhoods do you serve in Conroe?
*We serve all Conroe neighborhoods, including River Plantation, Lake Conroe, Grand Central Park, Walden, and April Sound.
As your local Conroe mortgage broker, we have deep expertise in financing homes throughout Montgomery County, whether you’re buying a waterfront property on Lake Conroe or a traditional house in Grand Central Park. We understand the unique costs associated with each neighborhood, including flood insurance requirements and MUD taxes.
How many times will my mortgage credit report be pulled?
Silver Mortgage pulls your complete mortgage credit report just once to access rates from dozens of lenders, protecting your credit score while shopping. This report will be good for up to 120 days.
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 for your home loan in Conroe.
Are you a broker or a direct lender in The Conroe?
Silver Mortgage is both a mortgage broker and a direct lender in Conroe, giving you more loan options with just one credit pull.
As a broker, we access dozens of wholesale lenders. As a direct lender, our non-delegated correspondent lending allows us to fund loans directly in-house. This dual capability means you get the best of both worlds: maximum loan program options, competitive pricing, and the flexibility to choose what’s best for your mortgage in Conroe.
How long does it take to close a mortgage in Conroe?
Most purchase and refinance loans in Conroe close in 21-45 days. 30 days is typical, and rush closings are available if needed.
You’ll have local access to us in Conroe, including direct contact with your loan processor.
We understand Conroe closing requirements, MUD district documentation, County tax calculations, and flood zone certifications, and work efficiently to meet your timeline, whether you’re buying in River Plantation, refinancing in Lake Conroe, or investing in Grand Central Park.
What mortgage programs are available in Conroe?
Borrowers in Conroe have access to FHA, VA, conventional, jumbo, USDA, renovation, and Texas cash-out refinance programs.
We offer all major loan programs for Conroe 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 properties in Conroe, USDA loans for rural areas outside Conroe, 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 property in Conroe. Our expertise in Conroe includes understanding flood insurance requirements and MUD tax implications.
What mortgage company will originate my mortgage in Conroe?
All mortgage loans in Conroe 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 Conroe (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 home loan in Conroe is handled professionally and in compliance with all Texas regulations.
Can I get a mortgage in Conroe?
We make it easy to pre-qualify for a mortgage in Conroe. 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 homebuyer, self-employed, or have unique financial circumstances.
Check out the blog at www.SteveSilverNow.com for Texas mortgage, real estate and financial information that you won’t find anywhere else.
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