Houston Mortgage Broker - Silver Mortgage
Houston 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.
Houston 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 refinancing in Houston, 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.
Houston Mortgage Broker – Key Takeaways
- ✓ 44+ years financing Houston homes across The Heights, Montrose, West University, Bellaire, Medical Center, Memorial, River Oaks, Galleria/Uptown, and all Greater Houston Metro areas.
- ✓ Specialized mortgage programs for Texas Medical Center professionals, Energy Corridor relocations, NASA/aerospace employees, and self-employed borrowers across Houston’s diverse industries.
- ✓ Same-Day Mortgage Pre-Qualification for Houston homebuyers and homeowners. Remote pre-qualification available for relocations to Houston.
- ✓ Access to 20+ wholesale lenders, $0 application fee, 21-30 day closings. FHA, VA, Conventional, Jumbo mortgage loans for Houston properties.
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💡 Quick Tip: Relocating to Houston?
Moving to Houston? You can get pre-qualified the same day.
Process: Apply online, get pre-qualified at $0 cost. Loan programs: FHA (3.5% down payment), VA (0% down payment), Conventional (3-5% down payment). Timeline: 21-30 days to close.
Mortgage Loan Programs for Houston
✅ Silver Mortgage specializes in mortgage programs for borrowers in Houston 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 Houston 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 Houston, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs in Houston 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 →❓ What If I’m Self-Employed or Own a Business?
Self-employed borrowers, business owners, and 1099 contractors can qualify for Houston home loans. We offer bank statement loan programs that focus on your actual cash flow, not just tax returns.
Houston-Specific Mortgage Considerations
Houston’s unique mortgage landscape requires specialized local knowledge. Here’s what Houston homebuyers and homeowners need to know.
Texas Cash-Out Refinance Laws
Texas law requires 12-month waiting period between cash-out refinances and limits loan-to-value to 80%. We handle all Texas-specific documentation requirements for Houston homeowners accessing home equity.
Energy Corridor Relocations
We specialize in mortgage financing for professionals relocating to Houston’s Energy Corridor (ExxonMobil, Chevron, Shell, BP, ConocoPhillips). Remote pre-qualification and employer relocation assistance coordination available.
Texas Medical Center Professionals
Specialized mortgage programs for Texas Medical Center physicians, nurses, residents, and fellows. Flexible income documentation for medical professionals. We understand Texas Medical Center employment contracts and compensation structures.
Harris County Jumbo Loan Limits
Harris County conforming loan limit is $832,750. Loans above this amount require jumbo financing. We access 20+ wholesale lenders for competitive jumbo rates on high-value Houston properties in River Oaks, Memorial, and West University.
🔍 Myth Debunked: “I Need 20% Down to Buy a Houston Home”
Reality: Many Houston homebuyers qualify for loans with as little as 3-5% down (conventional) or 3.5% down (FHA). VA loans offer $0 down for eligible veterans and active military.
Houston Mortgage FAQs
Common mortgage questions from Houston homebuyers and homeowners since 1981.
I’m relocating to Houston. Can I get pre-qualified for a mortgage before I move?
Yes. We handle remote mortgage pre-qualifications for professionals relocating to Houston 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 Texas Medical Center employers, Energy Corridor companies (ExxonMobil, Chevron, Shell, BP, ConocoPhillips), NASA/Johnson Space Center, and tech companies for relocation mortgage financing.
How does Texas cash-out refinancing work?
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 Houston 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 Houston). We help you determine which program fits your financial situation. $0 application fee. 21-30 day closings.
Do you offer mortgage programs for Texas Medical Center professionals?
Yes. We specialize in mortgage programs for Texas Medical Center physicians, nurses, residents, fellows, and attending physicians. Flexible income documentation for medical residents and fellows. Access to medical professional mortgage programs with reduced down payment requirements. We understand Texas Medical Center employment contracts and compensation structures. $0 application fee. 21-30 day closings.
How do self-employed borrowers qualify for Houston mortgages?
We verify income using 12 or 24 months of personal or business bank statements (no tax returns required). We also offer Asset Depletion Loans for Houston 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 Houston homes?
Jumbo mortgage loans exceed the Harris County conforming loan limit of $832,750. These are commonly used for high-value Houston properties in River Oaks, Memorial, West University Place, and Bellaire. 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.
Do you offer mortgage financing for Energy Corridor professionals relocating to Houston?
Yes. We have extensive experience with Energy Corridor relocations, including employees of ExxonMobil, Chevron, Shell, BP, ConocoPhillips, Baker Hughes, and Halliburton. We offer remote pre-qualification, same-day approval, and 21-30 day closings. $0 application fee. Relocation assistance programs and employer-provided down payment assistance can be incorporated into mortgage financing.
Can I get a HELOC for Houston 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.
What credit score is required to buy a Houston 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).
Do you offer mortgage programs for NASA and aerospace professionals?
Yes. We specialize in mortgage programs for NASA Johnson Space Center employees, aerospace contractors, and professionals in Houston’s growing space industry. We understand government contractor compensation structures and security clearance employment. Remote pre-qualification available for relocations to Houston. $0 application fee. 21-30 day closings.
*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 Houston Mortgage Rate Quote?
No upfront costs. No obligations. Local Houston mortgage company – since 1981.
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Popular Loan Programs in Houston
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