NMLS #314817
Mortgage Broker Serving the Houston Texas Medical Center District
Silver Mortgage
Mortgage Loans for the Houston Texas Medical Center District – 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 the Houston Texas Medical Center District, 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 – Houston Texas Medical Center Mortgage Facts
- ✓ Condo Financing: Financing for high-rise and mid-rise condos in the Museum District and Rice Village (including non-warrantable options).
- ✓ Jumbo Loans: Jumbo rates for West University & Southampton properties.
- ✓ Digital Process: Upload documents from your phone. Designed for physicians, nurses, and researchers working shifts.
Mortgage Loan Programs for the Houston Texas Medical Center
✅ Silver Mortgage specializes in mortgage programs for borrowers in the Houston TMC area 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 the Houston TMC region 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 in the Houston TMC Region With A Mortgage from Silver Mortgage
Mortgage financing for your next home purchase in the TMC region, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs in the Texas Medical Center region 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 →VA Mortgage
VA loans: 0% down, no PMI, competitive rates for active duty and veterans.
Learn More →❓ Moving to the Houston Texas Medical Center District?
Houston Texas Medical Center Specific Mortgage Considerations
The “Condo vs. Townhome” Distinction
The TMC area has many vertical living options. Condominiums and Townhomes have different lending requirements. Condos may require HOA reserve reviews and owner-occupancy ratios. Townhomes are financed like single-family homes. We identify the property type before you make an offer.
Financing for Residents & Fellows
If you are moving to Houston for a residency or fellowship at Methodist, Memorial Hermann, or MD Anderson, you may not have your first paycheck yet. We can use your Offer Letter or Contract to qualify you for a mortgage before your start date.
Jumbo Loans in West U & Braeswood
Home prices in West University Place, Southampton, and Southside Place frequently exceed the conforming loan limit. We offer Jumbo Loan options for these properties.
Houston Texas Medical Center Mortgage FAQs
Common mortgage questions from TMC homebuyers and homeowners since 1981.
I’m relocating to the Texas Medical Center. Can I get pre-qualified for a mortgage before I move?
Yes, we offer same-day pre-qualification. No physical presence required. $0 application fee.
Do you offer mortgage programs for Texas Medical Center employees?
Yes. We specialize in mortgage programs for physicians, residents, fellows, and researchers. We accept offer letters and employment contracts for future income verification.
Do you finance condos and townhomes in the Museum District and Rice Village?
Yes. We specialize in financing for high-rise condos, townhomes, and single-family homes in the Museum District, Rice Village, and West University.
How long does it take to refinance my home near the Medical Center?
Most refinances close in 21-30 days. No mandatory waiting period unless refinancing a Texas Home Equity Loan (one-year wait required by Texas law).
How much down payment do I need to buy a home near the Medical Center?
Down payment requirements vary by loan type: FHA (3.5% minimum), Conventional (3-5% minimum), VA (0% for eligible veterans). Jumbo down payments vary. $0 application fee.
How do self-employed borrowers qualify for mortgages?
We offer bank statement mortgages, Asset Depletion Loans, and other portfolio mortgage loan programs from national lenders.
What are jumbo mortgage loans for West University and Museum District homes?
Jumbo mortgage loans are for loan amounts exceeding $832,750. We offer competitive jumbo rates for properties in West University and the Museum District.
Can I get a HELOC for home renovations?
Yes. Home Equity Lines of Credit (HELOCs) allow you to access home equity as needed for renovations, repairs, or other expenses.
How does Texas cash-out refinancing work?
Texas cash-out mortgage refinancing allows you to access home equity (up to 80% loan-to-value under Texas law).
What credit score is required to buy a 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).
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.
“Thanks Steve for your help through this loan refinancing. Thanks Steve for your help through this loan refinancing. Silver Mortgage Co. kept us informed all the way through the refinancing by phone, email, and fax.Steve stays on top of everything as for getting a low interest…”
“Not only is Steve highly intelligent, he has an outstanding ability to build trust and rapport with his clients. He was quick to answer every question we had and went above and beyond in explaining the details of the loan application to us, even when we had a couple of…”
“Steve helped me refinance two mortgages at a time of unprecedented turbulence due to the novel coronavirus. He watched the market throughout the process and locked my rates at the most opportune times so that I came out with the lowest possible interest rates all while…”
“recommends It was really great to work with Steve. He was very helpful and transparent throughout my house buying process. Very prompt to reply, meticulous, and explained everything in detail. If you are with Steve then you don’t have to worry about any financial issues, he…”
“Trusted Mortgage Company Trusted Mortgage Company Silver Mortgage is my go-to company for all my home mortgage needs. This time, I purchased a home inside the loop in the Heights in Houston. It’s my third time working with them, and Steve made a complicated situation (due to…”
“Extremely knowledgable and helps simplify home buying to make it easy Extremely knowledgable and helps simplify home buying to make it easy Everyone told me how awful the entire home buying experience was. My case wasn’t typical and I knew going in there may be issues….”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to Get Your Houston Med Center Mortgage Rate Quote?
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Popular Loan Programs in the Houston Med Center
• 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