The Conroe Mortgage Broker - Silver Mortgage
The Conroe Texas 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.
The Conroe Texas 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 mortgage refinancing in Conroe, 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
Key Takeaways – Conroe Mortgage Broker Quick Facts
- ✓ Financing Conroe homes since 1981 — 44+ years of local mortgage lending experience. Specializing in home purchases, refinancing, and cash-out loans across the Conroe and Lake Conroe region.
- ✓ Same Day Mortgage Pre-Qualification in Conroe.
- ✓ Silver Mortgage compares 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, Get competitive mortgage rates in Conroe.
- ✓ 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.
Silver Mortgage Loan Programs for Conroe
✅ Silver Mortgage specializes in mortgage programs for borrowers in Conroe 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 Conroe
FHA mortgage (3.5% down), VA mortgage (0% down), Conventional mortgage (3% down).
Learn More →Refinancing Your Mortgage in Conroe 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 Conroe, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs in Conroe 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 Conroe?
Conroe Specific Mortgage Considerations
Conroe borrowers face unique mortgage considerations. We provide specialized mortgage loan solutions for Lake Conroe waterfront properties, Houston commuter relocations, retirement community mortgage programs, and self-employed borrower home loans.
Lake Conroe Waterfront Property Mortgage Financing
- Grand Harbor, Bentwater, Del Lago, April Sound waterfront home financing
- Jumbo mortgage loans exceeding conforming loan limits of $832,750
- Access to over 20 wholesale lenders for competitive rates
Houston Commuter Relocation Mortgage Programs
- Mortgage programs for professionals relocating from Houston to Conroe for lifestyle reasons.
- Remote pre-qualification for relocating families
- Flexible income documentation for commuters with Houston-based employment
Retirement Community Mortgage Solutions for Lake Conroe
- Asset depletion loans for retirees with investment portfolios
- Mortgage programs for Lake Conroe retirement home purchases
- Flexible income verification for retirees with limited W-2 income
Self-Employed and Business Owner Mortgage Solutions
- Bank statement mortgage loans (no tax returns required)
- Asset-depletion loans for those heavy on liquid assets and deciding not to show income (crypto doesn’t satisfy this at this time). Check with us regularly if you want to use crypto for this
- Alternative income documentation programs for self-employed borrowers
Conroe Mortgage FAQs
Common mortgage questions from Conroe homebuyers and homeowners since 1981.
I’m relocating to Conroe. Can I get pre-qualified for a mortgage before I move?
Yes. We handle remote mortgage pre-qualifications for relocations to Conroe. Apply online, upload documents digitally, and receive same-day pre-qualification. No physical presence required. $0 application fee.
I bought my home in Conroe 2 years ago. How long will it take to refinance my mortgage?
There’s no mandatory waiting period unless you’re refinancing a Home Equity Loan (one-year wait required by Texas law). You can refinance to lower your rate, reduce monthly payments, switch from an adjustable-rate to a fixed-rate, or cash out equity. Conroe homeowners can refinance conventional, FHA, VA, or jumbo loans. $0 application fee.
I’m a first-time homebuyer in Conroe. What’s the minimum down payment required?
Minimum down payment depends on loan type: FHA (3.5% down), Conventional (3% down), VA (0% down for veterans). $0 application fee.
Can non-U.S. citizens get a mortgage in Conroe?
Yes. Permanent Residents (Green Card holders) qualify for the same mortgage programs as U.S. citizens. Professionals on work visas (H-1B, L-1, E-2) may qualify with stable employment. $0 application fee. Same-day pre-qualification available.
I’m self-employed. How can I get a mortgage in Conroe?
Self-employed borrowers can use Bank Statement Mortgage Loans instead of W-2s and tax returns. We verify income using 12 or 24 months of personal or business bank statements. We also offer Asset Depletion Loans for retirees and high-net-worth Conroe residents with investment assets.
What is a jumbo mortgage loan, and can I get one in Conroe?
Jumbo mortgage loans are mortgage loans greater than $832,750 (the conforming loan limit for Montgomery County in 2026). Jumbo loans are available up to $3 million for qualified borrowers. These are commonly used for Lake Conroe waterfront properties and luxury homes in Conroe.
What is the average home price in Conroe?
The average home price in Conroe is approximately $311,000 to $356,995 according to Zillow and Movoto. Most Conroe home sales occur in the $250,000 to $499,999 price range. Lake Conroe waterfront properties and luxury homes may exceed $750,000.
Can I use a Home Equity Line of Credit (HELOC) to renovate my Conroe home?
Yes. A HELOC allows you to borrow against your home equity for renovations, repairs, or other expenses. HELOCs typically have flexible draw periods of 10 years, and you can access funds as needed during that time.
What credit score is required to buy a home in Conroe?
Minimum credit score depends on loan type and is subject to change: FHA (580 minimum), Conventional (620 minimum), VA (no official minimum), Jumbo (varies).
Do you offer mortgage financing for Lake Conroe waterfront properties?
Yes. We offer mortgage financing for Lake Conroe waterfront properties, including homes in Grand Harbor, Bentwater, Del Lago, and April Sound. We provide conventional loans, jumbo loans (over $832,750), and refinancing for Lake Conroe properties. 21 to 30-day closings. $0 application fee.
*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).
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 keeps in contact and answers all of our questions right away. He works hard to get the best deal for his clients.”
“Steve was very helpful with answering any questions I had. He was very informative and replied promptly at all times!”
“Steve is extremely knowledgeable about the entire mortgage process. He made our experience straightforward and easy.”
“Steve’s timely reply to questions and status updates and the willingness to push the loan through for us!”
“The whole closing house transaction was through online and emails. Convenient and quick communication.”
“Straight forward, efficient and excellent communication. Steve makes a complicated process manageable.”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to See Your Conroe Mortgage Rate Quote?
No upfront costs. No obligations. Local Conroe, Texas mortgage lender – since 1981.
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Popular Loan Programs in Conroe?
• 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