Katy 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 refinancing in the Houston Texas Medical Center Regional Area, 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.*
Katy Mortgage Broker – Key Takeaways
- ✓44+ years financing Katy homes across Cinco Ranch, Grand Lakes, Seven Meadows, Elyson, Jordan Ranch, Cross Creek Ranch, and Firethorne in Fort Bend, Harris, and Waller counties.
- ✓Specialized mortgage programs for Energy Corridor relocations, self-employed borrowers, and master-planned community financing across Katy’s diverse neighborhoods.
- ✓Same-Day Mortgage Pre-Qualification for Katy homebuyers and homeowners. Remote pre-qualification available for relocations to Katy.
- ✓Access to 20+ wholesale lenders, $0 application fee, 21-30 day closings. FHA, VA, Conventional, Jumbo mortgage loans for Katy properties.
❓ Moving to Katy?
Katy Mortgage FAQs
Can I use my home equity to buy an RV or boat?
Yes—Texas cash-out refinances and HELOCs let you access up to 80% of your Katy home’s value for any purpose including RVs, boats, or other major purchases. Silver Mortgage structures these to get you the cash you need with competitive rates and fast closings.
How can I lower my monthly payment to have more spending money?
Refinancing to a lower interest rate can reduce your monthly mortgage payment by hundreds of dollars, freeing up cash for other expenses. Silver Mortgage accesses 20+ wholesale lenders to find the lowest rates available in Katy.
Can I buy a home in Katy with little or no money down?
Yes—VA loans offer 100% financing for veterans, USDA loans work in some Katy areas with zero down, and FHA loans require just 3.5% down. Silver Mortgage also offers conventional loans with as little as 3% down for first-time buyers.
Can I use my equity to fund my midlife crisis?
Absolutely—whether it’s a sports car, motorcycle, travel adventure, or career change, Texas cash-out refinancing lets you access your home equity for whatever matters most to you. Silver Mortgage handles these conversations without judgment and structures loans that fit your goals.
Can I refinance to pay off all my credit cards and start fresh?
Yes—Texas cash-out refinancing lets you consolidate high-interest credit card debt, car loans, and medical bills into one low-rate mortgage payment. This can save you thousands in interest and give you a clean financial slate.
What if I want to upgrade to a bigger home but haven’t sold my current one yet?
Silver Mortgage offers bridge loans and home equity lines that let you access your current home’s equity for a down payment before selling. We also handle contingent offers and help you time both transactions smoothly.
Can I cash out equity to pay for my daughter’s wedding?
Absolutely—many Katy homeowners use cash-out refinancing or HELOCs to fund weddings, giving their children a memorable celebration without depleting savings. Silver Mortgage can close in 21-30 days to meet your wedding timeline.
How can I help my kids buy their first home?
Cash-out refinancing or HELOCs let you access your Katy home equity to gift your children a down payment or co-sign on their mortgage. Silver Mortgage handles parent co-borrower situations and gift fund documentation.
Can I refinance to fund a major home renovation?
Texas cash-out refinances provide funds for kitchen remodels, room additions, pools, or energy-efficient upgrades that increase your home’s value. Silver Mortgage offers renovation financing and construction-to-permanent loans for major projects.
What are my options if I’m getting divorced?
Divorce often requires refinancing to remove your spouse from the mortgage or cash out their equity share. Silver Mortgage handles these sensitive situations quickly and confidentially, helping you move forward with a fresh start.
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 is experienced, professional, and is available 24/7. I’ve been sending him referrals for many years, and he has never let me down. One of the main reasons is because he offers extremely competitive rates and fees. Also, he is a problem solver. He knows how to handle…”
“Steve went above and beyond hes obligations for my family and was and still is very educational and informal during the whole process of my loan from start to finish! He left me at the end of every conversation we had feeling comfortable and well informed with each part of…”
“Easiest refinance EVER!!! Steve was informative, professional, responsive, and no matter what time of day he always answered all of our questions! Robin was equally as lovely to work with. Been though a few home purchases/refinances none come close to the consumer service…”
“Steve is the best! Steve is the best! 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! I’m so happy with how my first time home buying experience went! I seriously can’t…”
“I will certainly recommend Steve to every single person I know. I am very much impressed with Steve’s candor and willingness to answer all my queries no matter what time of the day. Steve’s personal attention to our entire financing process is deeply appreciated. He got me an…”
“Recommend no other than Steve! Recommend no other than Steve! I found Steve on Angie’s List with multiple excellent reviews. Steve gave us honest advice that was in our best interest. He quickly answered e-mails and phone calls. He was an excellent communicator. He even came…”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to Get Your Katy Mortgage Rate Quote?
No upfront costs. No obligations. Local Katy, Texas mortgage lender – since 1981.
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Popular Loan Programs in Katy
• Conforming Mortgage
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• 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