Cypress Mortgage Broker - Silver Mortgage
Cypress Mortgage Broker. Affordable, Reliable, Fast and 5-star rated Since 1981.
$0 Cost to Apply. Fast & Free Quotes. Same Day Mortgage Pre-Qualification.
✓ Financing Cypress, Texas homes since 1981
✓ Compare 20+ lenders with one credit pull
✓ Direct access to your loan processor
What Our Clients Say
“When Steve says it will get done, no matter how, he will get it done.” — Erwin E., Houston, 2012
“Steve managed to lock my rate at the most appropriate time to guarantee the lowest possible rate.” — Cecil, Houston, 2020
“We were very impressed with the level of service and professionalism.” — Homebuyer, Cypress, 2018
TL;DR – Cypress Mortgage Broker Quick Facts
- Financing Cypress homes since 1981—44+ years serving Bridgeland, Towne Lake, Fairfield, Coles Crossing, and all Cypress neighborhoods across Harris and Waller counties
- Compare 20+ lenders with one credit pull—$0 application fee, $0 upfront fees, Loan Estimate in 3 business days
- Direct access to your loan processor—Local processing from application to closing in 21-30 days
💡 Key Insight: Refinancing in 2026
As interest rates decline, refinancing your home in Cypress could lower your monthly mortgage payment. We offer multiple refinance options:
- FHA Streamline Refinance – No appraisal, reduced documentation, faster processing
- VA Streamline Refinance (IRRRL) – Minimal docs, refinance up to 100% LTV
- Rate-and-Term Refinance – Lower your rate or change your loan term
- Cash-Out Refinance – Access your equity (Texas 80% LTV limit)
As a mortgage broker with wholesale lender access, we can compare 20+ lenders to find you competitive mortgage refinance rates.
$0 application fee, $0 upfront fees and just 1 credit pull. Typical timeline to closing: 21-30 days.
Why Cypress, Texas?
🏞️ 300-acre Towne Lake — largest private lake in the Houston area 🏊 Bridgeland’s resort-style waterparks — lazy rivers, slides, spraygrounds 🌳 70+ parks and miles of trails — nature-oriented lifestyle in every neighborhood 🏡 Larger lots than Woodlands/Katy/Sugar Land — more space for families 🏫 Top-rated Cy-Fair ISD schools — consistently ranked among Houston’s best 💰 Affordable master-planned living — lower price per square foot than other top suburbs
The only Houston suburb where you can:
• Live on a 300-acre private lake with waterfront access
• Enjoy resort-style waterparks with lazy rivers and slides (Bridgeland)
• Get larger lots and more space without sacrificing amenities
• Join America’s fastest-growing community (3,638 families moved here in early 2025)
Located 30 miles northwest of Houston in Harris and Waller counties, Cypress offers families more space, abundant nature, and resort-style amenities at a more affordable price than other top Houston suburbs.
💡 Quick Tip: Buying in Bridgeland or Towne Lake?
Bridgeland and Towne Lake are Cypress’s most sought-after master-planned communities, featuring the 300-acre Towne Lake (Houston’s largest private lake), resort-style waterparks, and 70+ parks. These neighborhoods attract families relocating for space, nature, and top-rated Cy-Fair ISD schools.
Process: We compare 20+ wholesale mortgage lenders with just one credit report to find you competitive mortgage rates—one credit pull, you choose the best mortgage rate and loan terms that fit your Cypress mortgage needs. Same Day Mortgage Pre-Qualification. Timeline: 21-30 days to close, $0 application fee.
Cypress Texas Neighborhoods
We serve all major Cypress neighborhoods, including:
Bridgeland — Master-planned community with 70+ parks, resort-style waterparks, and extensive trails. One of Houston’s fastest-growing communities with luxury homes and family-friendly amenities.
Towne Lake — Features the 300-acre Towne Lake (largest private lake in Houston area) with waterfront properties, fishing, kayaking, and community events.
Fairfield — Established community offering affordable homes, mature trees, and convenient access to Cypress schools and shopping.
Coles Crossing — Family-oriented neighborhood with pools, parks, and highly-rated Cy-Fair ISD schools.
Cypress Creek Lakes — Lakefront living with fishing, boating, and water activities. Mix of established and newer homes.
Blackhorse Ranch — Newer master-planned community with resort-style amenities, trails, and modern homes.
Marvida — Growing community featuring parks, pools, and family-friendly design throughout Harris and Waller counties.
Our experience covers both established communities with lower MUD taxes and new construction neighborhoods. We understand the unique financing requirements for each area, from luxury homes in Bridgeland to first-time buyer properties in Fairfield and waterfront properties in Towne Lake.
📊 Did You Know? One Credit Pull = 20+ Lender Options
When you apply with Silver Mortgage, we pull your credit once and use that single report to access wholesale mortgage rates from 20+ lenders. This protects your credit score while giving you maximum Cypress home loan options.
Compare this to: Applying with 5 different Cypress mortgage lenders = 5 credit pulls = potential credit score impact. With us: 1 credit pull, 20+ lender options, $0 application fee, Same Day Mortgage Pre-Qualification.
Cypress at a Glance
| 📍 Location | 30 miles northwest of Houston |
| 🏛️ County | Harris and Waller counties |
| 🏫 Schools | Cy-Fair ISD, Katy ISD |
| 🏘 Neighborhoods | 7+ neighborhoods including Bridgeland, Towne Lake, Fairfield, Coles Crossing |
| 💰 Median Home Price | ~$350,000-$550,000 |
| 📊 Mortgage Loan Programs | FHA, VA, Conventional, Jumbo, Renovation |
❓ What If You’re a First-Time Buyer in Cypress?
Cypress offers more space and larger lots than other Houston suburbs, making it ideal for first-time homebuyers seeking affordability without sacrificing amenities. We specialize in first-time buyer programs with down payments as low as 3% for conventional loans and 3.5% for FHA loans.
First-Time Buyer Process: Same Day Mortgage Pre-Qualification, $0 application fee. We compare 20+ wholesale mortgage lenders to find you competitive mortgage rates—you choose the best mortgage fit for your Cypress first-time home purchase. We explain down payment assistance programs, PMI costs, and closing cost options. Timeline: 21-30 days to close.
Mortgage Rate Quote
$0 application fee. $0 upfront costs
Same Day Mortgage Pre-Qualification
Cypress Mortgage Options
Conforming - Non-Conforming
FHA-VA
Purchase - Refinance
Cashout - HELOC
Renovation-Construction
Lot-Land Loans
Investment - DSCR
Local Loan Processing
Close in 21-30 days.
Fast closings at no extra cost
🔍 Myth Debunked: “I Need 20% Down to Buy in Cypress”
Reality: Most Cypress first-time homebuyers put down 3-5%, not 20%. FHA loans require just 3.5% down. Conventional loans allow 3% down for qualified buyers. VA loans and USDA loans require $0 down payment for eligible borrowers.
Example: $400,000 Cypress home × 3.5% FHA down payment = $14,000 down (not $80,000). We help you calculate your exact down payment, closing costs, and monthly mortgage payment—including PMI (Private Mortgage Insurance) if applicable. Same Day Mortgage Pre-Qualification, $0 application fee.
Cypress Mortgage FAQs
How much will my mortgage cost in Cypress?
Your mortgage cost in Cypress depends on several key factors that affect your interest rate, loan terms, and approval:
Loan Amount & Down Payment — Larger down payments typically get better rates and avoid PMI. We offer programs from 3% to 20%+ down, with VA loans as low as 0% down for veterans.
Credit Score — Higher credit scores qualify for lower interest rates. We work with various credit profiles so that you can see available rate options.
Debt-to-Income Ratio (DTI) — Lower DTI ratios (typically under 43%) can help you qualify quickly for your mortgage. We help you calculate your DTI and structure your loan accordingly.
Mortgage Insurance — Conventional loans with less than 20% down require PMI. FHA loans require MIP regardless of down payment. VA loans have a one-time VA Funding Fee that can be financed into the loan. These costs affect your monthly payment and/or upfront costs.
Employment Status — W-2 employees, self-employed, and business owners have different documentation requirements and pricing.
Documentation Type — Full documentation (W-2. 1099. K1) typically qualify for the lowest rates. Alternative documentation programs (bank statement loans, asset depletion, DSCR for investors) may have slightly higher rates but offer flexibility for self-employed borrowers and real estate investors.
Property Type — Single-family homes typically get the best rates. Condos, multi-family, and manufactured homes may have slightly higher rates.
Property Use — Primary residence gets the lowest rates. Second homes and investment properties have slightly higher rates due to increased lender risk.
Silver Mortgage provides:
- $0 Application Fee and $0 Upfront Fees to get started
- Loan Estimate within 3 business days showing your rate, monthly payment, and all costs
- We explain every line item with no hidden fees
- Third-party fees (credit report ~$95 and appraisal ~$595 for conforming loans) are paid directly to vendors with no markups.
How much does a mortgage broker cost in Cypress?
Mortgage broker compensation in Texas can be lender-paid or borrower-paid, but not both. We provide transparent disclosure of all costs 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 Cypress.
There are no hidden fees, and you’ll know exactly what you’re paying before you commit.
Third-party fees:
You pay vendors directly for essential services like the credit report (~$95, paid to credit bureau) and appraisal (~$595, paid to appraiser for a conforming loan). We don’t control or mark up these costs.
Cypress vs. The Woodlands vs. Katy vs. Sugar Land—which Houston suburb is best?
It depends on your priorities and commute. Here’s how they compare:
Cypress is best for space and nature:
- 300-acre Towne Lake (largest private lake in Houston area)
- Bridgeland’s 70+ parks and resort-style waterparks
- Larger lots and affordable pricing
- Ranked #1 Move-In Destination in America (ZIP 77433)
- Located 30 miles northwest of Houston in Harris and Waller counties
The Woodlands is best for outdoor lifestyle plus urban amenities:
- 220 miles of forest trails
- Walkable Town Center with 1.8-mile waterway
- #1 outdoor amphitheater in the world
- Ranked #1 Best Community to Buy a House in America and #2 Best City to Raise a Family
- Located 30 miles north of Houston in Montgomery County
Katy is best for family-friendly master-planned communities and top-rated schools:
- Katy ISD (consistently ranked among Texas’s best)
- Resort-style community amenities
- Affordable housing options
- Located 30 miles west of Houston in Harris and Fort Bend counties
Sugar Land is best for upscale living and cultural diversity:
- Walkable Sugar Land Town Square
- Diverse dining and cultural scene
- Top-rated Fort Bend ISD schools
- Low crime rates
- Located 20 miles southwest of Houston in Fort Bend County
All four are excellent Houston suburbs with strong schools and communities. The right choice depends on your commute to work, lifestyle priorities, and budget.
As a licensed mortgage broker serving all Houston suburbs since 1981, we help you compare mortgage rates and loan options for whichever community you choose.
What Cypress neighborhoods do you serve?
We serve all major Cypress neighborhoods, including:
- Bridgeland
- Towne Lake
- Fairfield
- Coles Crossing
- Cypress Creek Lakes
- Blackhorse Ranch
- Marvida
Our experience covers both established communities with lower MUD taxes and new construction neighborhoods throughout Harris and Waller counties.
We understand the unique financing requirements for each area, from luxury homes in Bridgeland to first-time buyer properties in Fairfield and waterfront properties in Towne Lake.
How many times will my credit be pulled?
Silver Mortgage pulls your credit just once to access rates from dozens of lenders, protecting your credit score while shopping or refinancing your home in Cypress.
You can access multiple wholesale lenders along with our NDC (non-delegated correspondent) loan options using a single credit pull.
This helps:
- Protect your credit score
- Save you time and stress
- Provide a range of mortgage options to choose from for your home loan in Cypress
How long does it take to close a mortgage in Cypress?
Most home loans close in 21-30 days. We offer a typical, and rush closings are available if needed.
Our local loan process in Cypress includes:
- Direct access to your local mortgage loan processor
- We understand Cypress closing requirements, MUD district documentation, Township tax calculations, and flood zone considerations
- Fast closings at no additional cost, with local processing
- Comfortable & low-stress loan process
To meet your timeline, we keep you informed at every step—from initial application to closing day.
Are you a broker or a direct lender in Cypress?
Silver Mortgage is both a mortgage broker and a direct lender in Cypress, giving you more loan options with just one credit pull.
As a broker, we give you access of wholesale lenders with competitive rates, various loan programs, and flexible underwriting. You get the best of both worlds—maximum loan program options, competitive pricing, and local closings when needed for your mortgage in Cypress.
As a direct lender (through our NDC non-delegated correspondent), we can close certain loans in-house for faster processing and more control over the underwriting process.
This dual capability means you get the best of both worlds: maximum loan program options, competitive pricing, and local closings when needed for your mortgage in Cypress.
*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).
Ready to Get Your Cypress Mortgage Quote?
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