Humble Texas Mortgage & Refinance - Silver Mortgage
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
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 mortgage refinancing in Humble, 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.*
Humble Texas Mortgage Broker – Key Takeaways
- ✓44+ years financing Humble homes across Atascocita, Fall Creek, Eagle Springs, Summerwood, Kingwood, and all Greater Humble Metro areas in Harris County.
- ✓Specialized mortgage programs for Bush Intercontinental Airport (IAH) employees, ExxonMobil relocations, and self-employed borrowers across Humble’s diverse industries.
- ✓Same-Day Mortgage Pre-Qualification for Humble homebuyers and homeowners. Remote pre-qualification available for relocations to Humble.
- ✓Access to 20+ wholesale lenders, $0 application fee, 21-30 day closings. FHA, VA, Conventional, Jumbo mortgage loans for Humble properties.
❓ Moving to Humble?
Humble Mortgage FAQs
Common mortgage questions from Humble homebuyers and homeowners since 1981.
I’m relocating to Humble. Can I get pre-qualified for a mortgage before I move?
Yes. We handle remote mortgage pre-qualifications for professionals relocating to Humble 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 IAH Airport employers, ExxonMobil, and other major Humble-area employers for relocation mortgage financing.
Do you finance homes in Humble’s master-planned communities like Atascocita and Fall Creek?
Yes. We specialize in mortgage financing for Humble’s master-planned communities including Atascocita, Fall Creek, Eagle Springs, Summerwood, and Kingwood. We understand HOA structures and community-specific requirements. $0 application fee. 21-30 day closings. Access to 20+ wholesale lenders for competitive rates.
Do you offer mortgage programs for IAH Airport employees?
Yes. We specialize in mortgage programs for Bush Intercontinental Airport (IAH) employees, including pilots, flight attendants, ground crew, and aviation professionals. We understand airline employment structures and variable income documentation. $0 application fee. 21-30 day closings. Remote pre-qualification available for relocations to Humble.
How does Texas cash-out refinancing work for Humble 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 Humble 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 Humble). We help you determine which program fits your financial situation. $0 application fee. 21-30 day closings.
How do self-employed borrowers qualify for Humble 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 Humble 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.
Do you offer mortgage financing for ExxonMobil employees relocating to Humble?
Yes. We have extensive experience with ExxonMobil relocations to Humble and the North Houston campus area. 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.
What are jumbo mortgage loans for Humble homes?
Jumbo mortgage loans exceed the Harris County conforming loan limit of $832,750. These are commonly used for high-value Humble properties in Atascocita, Fall Creek, and Eagle Springs. 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 Humble 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 Humble 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 Our Clients Say About Silver Mortgage – Steve Silver
Here are 6 out of 307 verified reviews across Google, Zillow, Yelp, Facebook and Social Survey.
“Extremely happy with the service I have received from this company. This is the second time I have used Silver Mortgage and I will definitely use them in the future.”
“Steve did an amazing job with getting all the financials situated for us to be able to secure our house. It took an army for sure. Thanks again Steve!”
“Steve is awesome, great communication and top notch knowledge of the housing market and mortgage business! A pleasure to work with. Highly recommend.”
“I had been talking to five other companies prior to Silver Mortgage Funding. There is no doubt that we got the best rate available with this company.”
“I had been talking to five other companies prior to Silver Mortgage Funding. There is no doubt that we got the best rate available with this company.”
“I had been talking to five other companies prior to Silver Mortgage Funding. There is no doubt that we got the best rate available with this company.”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to See Your Humble Mortgage Rate Quote?
No upfront costs. No obligations. Local Humble, Texas mortgage lender – since 1981.
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Popular Loan Programs in Humble, Texas
• 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