Dallas Mortgage & Refinance - Silver Mortgage
Free Mortgage Quote
No Hidden Fees. Ever.
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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 Dallas, 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.*
- Silver Mortgage 44+ years financing Dallas homes – Since 1981 with deep expertise in Dallas County mortgage lending, corporate relocations (AT&T, Southwest Airlines, Texas Instruments), and specialized financing for Uptown, Downtown, Oak Lawn, Highland Park, University Park, and Preston Hollow neighborhoods
- $0 mortgage application fee, $0 upfront costs – Silver Mortgage access to 20+ wholesale mortgage lenders with one credit pull, same-day mortgage pre-qualification available for Dallas homebuyers and corporate relocations
- Specialized mortgage programs for Dallas market – Corporate relocation mortgage financing, jumbo mortgage loans for luxury properties exceeding $832,750 conforming loan limit, high-rise condo financing (warrantable and non-warrantable), and alternative documentation programs for self-employed borrowers
- Alternative documentation programs – Bank statement mortgage loans for self-employed Dallas borrowers and business owners; DSCR mortgage loans for Dallas real estate investors; asset depletion mortgage loans for retirees with significant liquid assets
- Wholesale pricing advantage – Silver Mortgage wholesale lender access could mean lower costs than retail banks; $0 application fees, $0 upfront fees, competitive rates on FHA, VA, Conventional, and Jumbo mortgage loans
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers, remote pre-qualification available for professionals relocating to Dallas
❓ Moving to Dallas?
Dallas Mortgage FAQs
Common mortgage questions from Dallas homebuyers and homeowners since 1981.
I’m relocating to Dallas. Can I get pre-qualified for a mortgage before I move?
Yes. We handle remote mortgage pre-qualifications for professionals relocating to Dallas from across the United States. Apply online, upload documents digitally, and receive same-day pre-qualification. No physical presence required. $0 application fee. We coordinate with major Dallas employers for corporate relocation mortgage financing.
Do you finance condos in Downtown Dallas and Uptown?
Yes. We specialize in mortgage financing for Dallas high-rise condos in Downtown, Uptown, Victory Park, and Arts District. We handle both warrantable and non-warrantable condos. We understand HOA structures and condo-specific requirements. $0 application fee. 21-30 day closings. Access to 20+ wholesale lenders for competitive rates.
Do you offer mortgage programs for corporate relocations to Dallas?
Yes. We specialize in mortgage programs for corporate relocations to Dallas, including Fortune 500 transfers and executive relocations. We understand relocation assistance programs and employer-provided benefits. $0 application fee. 21-30 day closings. Remote pre-qualification available.
How does Texas cash-out refinancing work for Dallas homeowners?
Texas cash-out refinancing allows you to access home equity (up to 80% loan-to-value under Texas law). You must wait 12 months after your original mortgage closing or previous cash-out refinance before applying. We handle all Texas-specific documentation requirements. 21-30 day closings. $0 application fee. Common uses: debt consolidation, home improvements, investment capital.
How much down payment do I need to buy a Dallas home?
Down payment requirements vary by loan type: FHA (3.5% minimum), Conventional (3-5% minimum), VA (0% for eligible veterans and active military), USDA (0% for eligible rural areas outside Dallas). We help you determine which program fits your financial situation. $0 application fee. 21-30 day closings.
How do self-employed borrowers qualify for Dallas mortgages?
Silver Mortgage verifies income using 12 or 24 months of personal or business bank statements (no tax returns required). We also offer Asset Depletion Loans for Dallas business owners and entrepreneurs with significant liquid assets. Alternative income documentation programs for 1099 contractors and gig economy workers. $0 application fee. 21-30 day closings.
What are jumbo mortgage loans for Dallas homes?
Jumbo mortgage loans exceed the Dallas County conforming loan limit of $832,750. These are commonly used for high-value Dallas properties in Highland Park, University Park, Preston Hollow, and Uptown. We access over 20 wholesale lenders for competitive jumbo loan rates. Down payment requirements typically range from 10-20%. $0 application fee. 21-30 day closings.
What credit score is required to buy a Dallas home?
Minimum credit score depends on loan type and is subject to change: FHA (580 minimum), Conventional (620 minimum), VA (no official minimum), Jumbo (varies).
Can I get a HELOC for Dallas home renovations?
Yes. Home Equity Lines of Credit (HELOCs) allow you to access home equity as needed for renovations, repairs, or other expenses. Texas HELOC regulations require specific documentation and waiting periods. We also offer FHA 203(k) and HomeStyle renovation loans that combine purchase or refinance with renovation financing. $0 application fee. 21-30 day closings for standard HELOCs.
*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.
“Just as he was when we originally purchased our home, throughout the refi process Steve was highly available, informative, and preemptive of every step ensuring I knew what was done, what was in-progress, and what was coming next.”
“Steve was incredibly helpful at every step of the process. His knowledge and expertise are second to none and I would highly recommend his services.”
“Steve made it easy! In a world where real estate is insane, Steve made sure that we were always a step ahead and made the transaction as painless as possible. He is detail oriented and provided boutique-style customer service.”
“We have used Steve a number of times and this experience, like all others, was fantastic. He is very detailed and prompt and explains any items or issues clearly.”
“Steve is the best! He is so knowledgeable and truly gives the best advice. He addressed every question I had in detail and was always readily available!”
“Steve was very knowledgeable and thorough and a good communicator. We plan to use him again very shortly on another transaction and highly recommend him!”
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 Dallas mortgage lender – since 1981.
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