Cypress Mortgage & Refinance - Silver Mortgage
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Last Updated: February 13, 2026
Silver Mortgage specializes in home mortgage financing and refinancing in Cypress, 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.
Key Takeaways – Cypress Mortgage Broker Quick Facts
✓ Financing Cypress homes since 1981 — 44+ years of local mortgage lending experience. Specializing in home purchases, refinancing, and cash-out loans across Cypress master-planned communities including Bridgeland, Towne Lake, Fairfield, and Cypress Creek Lakes.
✓ Same Day Mortgage Pre-Qualification for Cypress homebuyers and Energy Corridor professionals relocating from BP, Baker Hughes, ConocoPhillips, Shell, Accenture, Microsoft, Google, and HPE.
✓ We compare 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 for Cypress homes.
✓ Direct access to your loan processor — Local processing from application to closing, usually within 21-30 days. Your reliable source for FHA, VA, Conventional, and Jumbo mortgage loans in Cypress.
❓ Moving to Cypress from Another State?
Cypress Mortgage FAQs
Common mortgage questions from Cypress homebuyers and homeowners since 1981.
I’m relocating to Cypress. Can I get pre-qualified for a mortgage before I move?
Yes. We handle remote mortgage pre-qualifications for energy sector and corporate professionals relocating to Cypress. Apply online, upload documents digitally, and receive same-day pre-qualification. No physical presence required. $0 application fee. We coordinate with Energy Corridor employers (BP, Baker Hughes, ConocoPhillips, Shell) and tech companies (Accenture, Microsoft, Google, HPE) for relocation mortgage financing.
I bought my Cypress home 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. Cypress homeowners can refinance conventional, FHA, VA, or jumbo loans. $0 application fee. 21 to 30-day refinancing timeline.
I’m a first-time homebuyer in Cypress. 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). We help first-time homebuyers in Bridgeland, Towne Lake, and Fairfield neighborhoods choose the best program based on credit score and income. $0 application fee.
Can non-U.S. citizens get a mortgage in Cypress?
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. We have experience with international professionals in Cypress energy sector (BP, Baker Hughes, ConocoPhillips, Shell) and tech sector (Accenture, Microsoft, Google, HPE). $0 application fee. Same-day pre-qualification available.
I’m self-employed. How can I get a mortgage in Cypress?
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. Common for Cypress entrepreneurs and business owners. Pre-qualification issued within 24 hours. $0 application fee. We also offer Asset Depletion Loans for retirees and high-net-worth Cypress residents with investment assets.
What is a jumbo mortgage loan, and can I get one in Cypress?
Jumbo mortgage loans are mortgage loans greater than $832,750 (the conforming loan limit for Harris County in 2026). Needed for Cypress homes above this price, such as luxury homes in Bridgeland, Towne Lake, and Fairfield neighborhoods. We offer jumbo mortgage rates from over 20 wholesale lenders. One credit pull, $0 application fee. Jumbo loans available up to $3 million for qualified borrowers.
Do you offer mortgage financing for Cypress master-planned communities like Bridgeland and Towne Lake?
Yes. We offer mortgage financing for all Cypress master-planned communities, including Bridgeland, Towne Lake, Fairfield, and Cypress Creek Lakes. We provide conventional loans, FHA loans, VA loans, jumbo loans (over $832,750), and new construction financing. 21 to 30-day closings. $0 application fee.
Can I use a Home Equity Line of Credit (HELOC) to renovate my Cypress 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. Common uses include kitchen remodels, pool installations, and energy-efficient upgrades in Cypress master-planned communities.
What credit score is required to buy a home in Cypress?
Minimum credit score depends on loan type and is subject to change: FHA (580 minimum), Conventional (620 minimum), VA (no official minimum), Jumbo (varies). Lower credit scores may qualify with higher down payments or compensating factors.
Do you offer mortgage financing for energy sector professionals relocating to Cypress?
Yes. We have extensive experience with energy sector relocations to Cypress, including employees of BP, Baker Hughes, ConocoPhillips, and Shell in the Energy Corridor (20-30 minute commute from Cypress via I-10 and Grand Parkway). We offer remote pre-qualification, same-day approval, and 21 to 30-day closings. $0 application fee. Relocation assistance programs and employer-provided down payment assistance can be incorporated into mortgage financing.
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.
“When Steve says it will get done, no matter how, he will get it done. He is always providing detailed updates throughout the process.”
“We were very impressed with the level of service and professionalism. The entire process was handled with care and attention to detail.”
“Steve managed to lock my rate at the most appropriate time to guarantee the lowest possible rate. Excellent timing and advice.”
“Everyone on staff at Silver Mortgage is very knowledgeable, honest and responsive. They made the lending process transparent and easy.”
“I was a first-time homebuyer AND I had to deal with a difficult seller. Steve successfully guided me through the mortgage process.”
“Communication was excellent. I always had a response right away on any questions. Highly recommended for anyone looking for a smooth transaction.”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
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No upfront costs. No obligations. Local Cypress, Texas mortgage lender – since 1981.
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Popular Loan Programs in Cypress
• 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