Cypress Mortgage Broker - Silver Mortgage
Cypress Mortgage Company
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.
Cypress Mortgage Company
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 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.
Last Updated: January 28, 2026
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.
Mortgage Loan Programs for Cypress
✅ Silver Mortgage specializes in mortgage programs for borrowers in Cypress 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
FHA mortgage (3.5% down), VA mortgage (0% down), Conventional mortgage (3% down).
Learn More →Refinancing Your Mortgage in Cypress
Mortgage refinancing can lower your interest rate, reduce monthly payments, or allow you to tap into home equity.
Learn More →Buying Your Next Home in Cypress With A Mortgage
Mortgage financing for your next home purchase in Cypress, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs that do not 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 →Military & Veterans Mortgage
VA loans: 0% down, no PMI, competitive rates for active duty and veterans.
Learn More →❓ Moving to Cypress from Another State?
Cypress-Specific Mortgage Considerations
Cypress borrowers face unique mortgage considerations. Silver Mortgage provides specialized mortgage loan solutions for Energy Corridor relocations, tech and corporate professionals, jumbo mortgage loans greater than $832,750 for Bridgeland and Towne Lake luxury homes, and self-employed borrower home loans.
Energy Corridor Relocation Mortgage Programs from Silver Mortgage
- BP, Baker Hughes, ConocoPhillips, Shell employee relocation mortgage programs
- Cypress to Energy Corridor commute: 20-30 minutes via I-10 and Grand Parkway
- Silver Mortgage coordinates remote pre-qualification for relocating energy professionals
Tech & Corporate Professional Mortgage Programs From Silver Mortgage
- Accenture, Microsoft, Google, HPE tech and corporate professional mortgage solutions
- Flexible income documentation for tech workers with stock options and bonuses
- Silver Mortgage wholesale lender network access for tech sector financing
Jumbo Mortgage Loans for Cypress Master-Planned Communities from Silver Mortgage
- Bridgeland, Towne Lake, Fairfield luxury neighborhood jumbo mortgage financing
- Bridgeland: fastest selling/growing master-planned community in the nation
- Silver Mortgage access to over 20 wholesale lenders for jumbo mortgage programs >$832,750
Self-Employed and Business Owner Mortgage Solutions from Silver Mortgage
- Bank statement mortgage loans for Cypress business owners (no tax returns required)
- Asset depletion loans for retirees and high-net-worth Cypress residents
- Silver Mortgage alternative income documentation programs for self-employed borrowers
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
Ready to See Your Cypress Mortgage Rate Quote?
No upfront costs. No obligations. Local Cypress, Texas mortgage lender – since 1981.
Explore More Houston Communities
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