Humble Texas Mortgage Broker - Silver Mortgage
Humble Texas Mortgage Broker. Affordable, Reliable, Fast and 5-star rated Since 1981.
$0 Cost to Apply. Fast & Free Quotes. Same Day Mortgage Pre-Qualification.
✓ Access rates from 20+ wholesale mortgage lenders with only one credit pull. $0 cost to apply, $0 upfront fees
✓ Humble Texas Mortgage Broker Since 1981: 44+ Years of Humble Home Purchase Mortgage Origination, Current Home Refinance, & Home Cash-Out Experience. Balmoral, Eagle Springs, Fall Creek, The Groves, Atasca Woods, Woodland Pines, and beyond
✓ Direct access to your loan processor. Application to mortgage closing, usually within 21-30 days. Same Day Free Mortgage Pre-Qualification
What Our Clients Say
“Communication was excellent. I always had a response right away on any questions.” — Tino V., Houston, 2015
“Steve is a great communicator and is always available.” — Andres B., Houston, 2017
“Steve wasn’t just our mortgage guy, he was our advocate.” — Bob B., Houston, 2013
⚡ TL;DR – Humble Texas Mortgage Broker Quick Facts
✓ Financing Humble homes since 1981 — 44+ years of local mortgage lending experience. Specializing in home purchases, mortgage refinancing, and cash-out mortgage loans across the Humble region.
✓ Same Day Mortgage Pre-Qualification in Humble.
✓ We access 20+ wholesale mortgage lenders with one credit pull—you choose the mortgage rate and mortgage loan terms that fit your needs — $0 cost to apply, $0 upfront fees. Get competitive mortgage rates in Humble.
✓ Direct access to your mortgage loan processor — Local mortgage processing from application to mortgage closing, usually within 21-30 days. Your reliable source for FHA mortgage loans, VA mortgage loans, conventional mortgage and non-conforming mortgage loans.
Why Humble?
✓ 18-20 miles northeast of Downtown Houston — easy commute to Houston’s Energy Corridor and Medical Center
✓ Humble ISD — serving 48,000+ students with A-rated schools including Eagle Springs, Fall Creek, and Groves Elementary
✓ Birthplace of Humble Oil (now ExxonMobil) — where Texas oil history began in 1905 with the largest producing oil field in Texas
✓ Houston Intercontinental Airport (IAH) — minutes from George Bush Intercontinental Airport, ideal for frequent travelers and aviation industry professionals
✓ Master-planned communities — Balmoral (crystal-clear lagoon), Eagle Springs, Fall Creek (Golf Club of Houston), The Groves
✓ Affordable family living — median home prices $250,000-$280,000, more affordable than Houston metro average
The only Northeast Houston suburb where you can:
✓ Live in the birthplace of Humble Oil (ExxonMobil) — where Texas oil history began
✓ Access Houston Intercontinental Airport (IAH) in minutes
✓ Enjoy resort-style living with Balmoral’s crystal-clear lagoon
✓ Choose from A-rated schools in Humble ISD serving 48,000+ students
✓ Find affordable homes ($250K-$280K median) with easy Houston access
Located 18-20 miles northeast of Downtown Houston with 16,500+ residents, Humble offers family-friendly living with excellent schools, master-planned communities, and direct access to Houston Intercontinental Airport.
💡 Quick Tip: Mortgage Financing for Humble Homeowners and Homebuyers
Work at Houston Intercontinental Airport (IAH) or relocating to Humble for aviation industry employment? We specialize in purchase and refinance mortgage loans for Humble homeowners and homebuyers, including Balmoral, Eagle Springs, Fall Creek, The Groves, Atasca Woods, Woodland Pines, and all Humble ISD neighborhoods. Whether you’re buying your first home, refinancing to a lower mortgage rate, or moving up to a larger property, we help you find the right mortgage loan program.
Humble homebuyers: We offer FHA mortgage loans (3.5% down), VA mortgage loans (0% down for veterans), and conventional mortgage loans (as low as 3% down). One credit pull, one application, 20+ wholesale mortgage lenders compared for you.
Did You Know? One Credit Pull = 20+ Mortgage Lender Options
When you apply with Silver Mortgage (we’re a local Humble, Texas mortgage broker), we pull your credit once and use that single credit report to access wholesale mortgage rates from 20+ mortgage lenders. This protects your credit score while giving you maximum home loan options in Humble.
Compare this to: Applying with 5 different mortgage lenders = 5 credit pulls = potential credit score impact.
With us: 1 credit pull, 20+ mortgage lender options, $0 application fee, Same Day Mortgage Pre-Qualification.
Humble Texas Neighborhoods We Serve
Balmoral
Balmoral is a vibrant master-planned community known for its crystal-clear lagoon and resort-style living. This family-focused neighborhood features a lagoon, clubhouse, fitness center, parks, playgrounds, trails, and splash pad. Balmoral offers a unique lifestyle in Humble with amenities typically found at luxury resorts. We specialize in conventional, FHA, and VA mortgage loans for Balmoral homeowners and homebuyers. We understand Harris County mortgage requirements and local appraisal considerations.
Eagle Springs
Eagle Springs is a beautifully designed, family-focused community offering a wide range of amenities and activities. This neighborhood features resort-style pools, sports fields, fitness center, parks, lakes, and a community center. Eagle Springs is home to A-rated Eagle Springs Elementary School, making it an excellent choice for families with school-age children. We help homeowners and homebuyers navigate purchase and refinance mortgage financing for Eagle Springs properties, with down payment options as low as 3% for qualified buyers.
Fall Creek
Fall Creek is a prestigious golf course community offering upscale homes and easy access to downtown Houston. This established neighborhood features two pools, tennis courts, fitness center, parks, trails, and the Golf Club of Houston. Fall Creek is home to A-rated Fall Creek Elementary School and offers a range of home styles from $350,000 to $500,000+. We specialize in mortgage financing for Fall Creek properties, with FHA, VA, conventional, and jumbo mortgage loan programs available.
The Groves
The Groves is a nature-inspired master-planned community blending luxury living with outdoor adventure. This neighborhood features a resort-style pool, parks, playgrounds, lakes, trails, splash pad, and lifestyle center. The Groves is home to A-rated Groves Elementary School and offers a mix of home styles and prices. We help homeowners and homebuyers understand mortgage loan options for The Groves’ diverse home inventory, from FHA mortgage loans to conventional financing.
Atasca Woods
Atasca Woods is a charming and affordable neighborhood perfect for families and first-time homebuyers. This established community features a community pool, playgrounds, green spaces, and nearby schools. Atasca Woods offers a range of home styles and prices, making it popular with both first-time homebuyers and move-up buyers. We specialize in mortgage financing for Atasca Woods properties, with FHA, VA, and conventional mortgage loan programs available.
Woodland Pines
Woodland Pines is a friendly, established community offering affordable homes and a great location near major highways. This neighborhood features a community pool, park, playgrounds, and quick access to Beltway 8 and I-69. Woodland Pines offers convenient access to shopping, dining, and Houston Intercontinental Airport (IAH). We help buyers and homeowners understand mortgage loan options for Woodland Pines’ diverse home inventory, from FHA mortgage loans to conventional financing.
Humble Texas at a Glance
| Location | 18-20 miles northeast of Downtown Houston |
| County | Harris County |
| Schools | Humble ISD (48,000+ students, A-rated schools) |
| Popular Neighborhoods | Balmoral, Eagle Springs, Fall Creek, The Groves, Atasca Woods, Woodland Pines |
| Median Home Price | ~$250,000–$280,000 |
| 2026 FHA Loan Limit | $541,287 |
| 2026 Conventional Loan Limit | $832,750 |
| Mortgage Loan Programs | FHA, VA, Conventional, Jumbo, Renovation, 2nd home, Investor |
Mortgage Rate
Quote
$0 cost to apply. $0 upfront costs.
Same Day Mortgage Pre-Qualification
Humble Texas
Mortgage Options
Conforming - Non-Conforming
FHA-VA
Purchase - Refinance
Cashout - HELOC
Renovation-Construction
Lot-Land Loans
Investment - DSCR
Local Mortgage Processing
Close in 21-30 days.
Fast closings at no extra cost
Humble Texas Mortgage FAQs
How much will my mortgage cost in Humble, Texas?
Your mortgage cost depends on several key factors that affect your mortgage interest rate, mortgage loan terms, and mortgage approval:
What affects your mortgage cost:
Loan Amount & Down Payment: Larger down payments (20%+) typically qualify for lower mortgage rates and avoid PMI (private mortgage insurance). We offer mortgage programs with down payments as low as 3% and 0% for VA mortgage loans for veterans.
Credit Score: Higher credit scores qualify for lower mortgage interest rates. We work with a variety of credit profiles to find you a competitive mortgage rate for your situation.
Debt-to-Income Ratio (DTI): Lower DTI ratios (typically under 43%) qualify for better mortgage loan terms. We help you calculate your DTI and structure your mortgage loan accordingly.
Mortgage Insurance: Conventional mortgage loans with less than 20% down require PMI (Private Mortgage Insurance). FHA mortgage loans require MIP (Mortgage Insurance Premium) regardless of down payment. VA mortgage loans have a one-time VA Funding Fee (can be financed into the mortgage loan). These costs affect your monthly mortgage payment and/or upfront costs.
Employment Status: W-2 employees, self-employed, and business owners have different documentation requirements and mortgage pricing.
Documentation Type: Full documentation (e.g., W-2, 1099, K1, tax returns) typically qualifies for lower mortgage rates. Alternative documentation mortgage programs (bank statement loans, asset depletion, DSCR for investors) may have slightly higher mortgage rates but offer flexibility for self-employed borrowers and real estate investors.
Property Type: Single-family homes typically qualify for lower mortgage rates. Condos, multi-family, and manufactured homes may have slightly higher mortgage rates.
Property Use: Primary residence gets the lowest mortgage rates. Second homes and investment properties have slightly higher mortgage rates due to increased lender risk.
What Silver Mortgage provides:
- $0 Cost to Apply and $0 Upfront Fees to get started
- Loan Estimate showing your estimated mortgage rate, monthly mortgage payment, and all costs
- We explain every line item – no hidden fees
- Third-party fees: Credit report (~$95) and appraisal (~$595 for conforming mortgage loans) paid directly to vendors with no markups
You can leverage our access to 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and mortgage loan terms for your Humble home purchase or mortgage refinance. Same Day Free Mortgage Pre-Qualification, 21-30 days to mortgage closing.
How much does a mortgage broker cost in Humble, Texas?
Silver Mortgage charges $0 application fee and $0 upfront fees for your home loan in Humble. As both a mortgage broker and a direct mortgage lender, we access wholesale mortgage lenders and fund mortgage loans directly in-house. Our mortgage broker fee (if any) is disclosed on your Loan Estimate within 3 business days of mortgage application and is typically paid at mortgage closing.
Many Humble homebuyers and homeowners pay zero out-of-pocket mortgage broker fees because lender credits can cover closing costs. We access FHA, VA, and conventional mortgage rates from 20+ wholesale mortgage lenders—you choose the best mortgage fit for your Humble home purchase or mortgage refinance.
Timeline: Same Day Mortgage Pre-Qualification, 21-30 days to mortgage closing.
You can access mortgage rates from our approved wholesale mortgage lenders, along with our NDC (non-delegated correspondent) mortgage loan options (“direct lender”), using a single credit pull. This helps protect your credit score, saves you time and stress, and provides a range of mortgage options for your Humble home loan.
What Humble, Texas neighborhoods do you serve?
We serve all Humble neighborhoods, including:
- Balmoral – Master-planned community with crystal-clear lagoon and resort-style amenities
- Eagle Springs – Family-focused community with A-rated elementary school
- Fall Creek – Prestigious golf course community with Golf Club of Houston
- The Groves – Nature-inspired master-planned community with outdoor amenities
- Atasca Woods – Affordable, charming neighborhood for first-time buyers
- Woodland Pines – Established community with excellent highway access
We provide purchase and refinance mortgage loans throughout Humble, Humble ISD, and all of Harris County. Whether you’re buying your first home or refinancing to a lower mortgage rate, we help Humble homeowners and homebuyers find competitive mortgage rates.
What If I'm Relocating to Humble?
Moving to Humble from Houston, Dallas, Austin, or out of state? You can get pre-qualified for a mortgage loan before you relocate. We work with buyers moving to Balmoral, Eagle Springs, Fall Creek, The Groves, and all Humble neighborhoods.
Process: Apply online, get pre-qualified with $0 cost to apply. Mortgage loan programs: FHA (3.5% down), VA (0% down), Conventional (3% down), Jumbo (for luxury homes) plus non-conforming mortgage options. Same Day Mortgage Pre-Qualification. Timeline: 21-30 days to mortgage closing.
How many times will my credit be pulled?
Silver Mortgage pulls your credit once for your Humble mortgage application.
We use that single credit report to access wholesale mortgage rates from 20+ mortgage lenders.
This protects your credit score and saves time. You receive multiple mortgage loan options (FHA, VA, conventional) with just one credit pull. Compare this to applying with 5 different mortgage lenders in Humble = 5 credit pulls = potential credit score impact. Our process: One credit pull, one mortgage application, 20+ wholesale mortgage lenders. You choose the best mortgage rate and mortgage loan terms. $0 cost to apply, Same Day Mortgage Pre-Qualification, 21-30 days to mortgage closing.
Are you a broker or a direct lender?
Silver Mortgage is both a mortgage broker and a direct mortgage lender in Humble, giving you more mortgage loan options with just one credit pull.
As a mortgage broker, we access dozens of wholesale mortgage lenders. As a direct mortgage lender through our non-delegated correspondent lending, we can also fund mortgage loans directly in-house.
This dual capability means you get the best of both worlds: maximum mortgage loan program options, competitive mortgage pricing, and faster mortgage closings when needed. Most companies are either a mortgage broker OR a direct lender—we’re both, which gives you more choices and competitive mortgage rates for your mortgage.
Silver Mortgage also arranges Home Equity Loans, HELOCs, plus commercial, multi-family, construction, and land loans throughout Harris County and the Houston area.
How long does it take to fund my new mortgage in Humble?
Most Humble mortgage loans close within 21-30 days from mortgage application to funding, whether you’re buying a home in Balmoral, refinancing your home in Eagle Springs, or investing in rental properties in Fall Creek.
Timeline factors include mortgage loan type (FHA, VA, or conventional), appraisal scheduling, title work, and completeness of documentation.
Our process speeds things up: We access 20+ wholesale mortgage lenders with one credit pull, giving you competitive mortgage rates and faster mortgage approval. Direct access to your mortgage loan processor means no delays.
Typical Humble mortgage timeline: Same Day Mortgage Pre-Qualification → Loan Estimate in 3 business days → Mortgage closing in 21-30 days. $0 application fee, $0 upfront fees.
You’ll have local access to us, including direct contact with your mortgage loan processor. We understand Harris County mortgage closing requirements and work efficiently to meet your timeline.
*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).
🚫 Myth Debunked: “I Need 20% Down to Buy a Home in Humble”
Reality: Many homebuyers qualify for mortgage 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.
First-time Humble homebuyer? Get your personalized Loan Estimate showing exact down payment requirements in 3 business days—$0 cost to apply, Same Day Mortgage Pre-Qualification, 21-30 day closing timeline.
What credit score do I need to get a mortgage in Humble, Texas?
Credit score requirements for mortgage financing vary by mortgage loan type:
- FHA mortgage loans: 580+ credit score (3.5% down) or 500-579 (10% down)
- Conventional mortgage loans: 620+ credit score (typically 3-5% down)
- VA mortgage loans: No minimum credit score required by VA, but most mortgage lenders prefer 580-620+
- Jumbo mortgage loans: Varies. We have non-conforming jumbo and super-jumbo mortgage programs available.
What Silver Mortgage provides: We access 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and mortgage loan terms that fit your needs. $0 cost to apply, $0 upfront fees, Loan Estimate in 3 business days.
Same Day Mortgage Pre-Qualification in the format your realtor or seller requires for Humble home purchases
How much down payment do I need for a Humble, Texas home?
Down payment requirements for Humble mortgage financing vary by mortgage loan type:
- FHA mortgage loans: 3.5% down (2026 loan limit: $541,287 in Harris County)
- Conventional mortgage loans: 3% down for first-time buyers, 5% for repeat buyers (2026 loan limit: $832,750 in Harris County)
- VA mortgage loans: $0 down for eligible veterans and active military (no loan limit for qualified borrowers)
- Jumbo mortgage loans: 10-20% down for mortgage loans above $832,750
What Silver Mortgage provides: We access 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and mortgage loan terms that fit your needs. $0 cost to apply, $0 upfront fees, Loan Estimate showing your exact down payment requirement.
Same Day Mortgage Pre-Qualification in the format your realtor or seller requires for Humble home purchases.
*Down payment requirements subject to mortgage loan approval based on credit score, income, employment history, debt-to-income ratio, and property type. Actual requirements may vary.
How long does it take to get pre-qualified for a Humble, Texas mortgage
Same Day Mortgage Pre-Qualification is available for Humble homebuyers and homeowners. We provide your mortgage pre-qualification letter in the format your realtor or seller requires—typically within a few hours of receiving your basic information.
What we need for mortgage pre-qualification: Approximate credit score, income information, employment status (W-2 employee or self-employed), and source of funds for down payment and closing costs (bank account, sale of another property, gift, etc.). We compare 20+ wholesale mortgage lenders with one credit pull—you choose the best mortgage rate and mortgage loan terms.
Timeline: Mortgage pre-qualification same day, Loan Estimate in 3 business days, mortgage closing in 21-30 days. $0 application fee, $0 upfront fees.
Whether you’re buying a home in Balmoral, Eagle Springs, Fall Creek, or any Humble neighborhood, we help you get pre-qualified quickly so you can make competitive offers on Humble homes.
*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).
*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).
Ready to Get Your Started with Your 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