Katy Mortgage Broker - Silver Mortgage
TL;DR: Silver Mortgage calculates ALL your costs upfront – including property taxes, MUD district fees, and the Fort Bend vs. Harris County tax differences – so there are no surprises.
"We Make Lenders Compete for Your Business, So You Get a Better Rate"
✓ One Application, One Credit Pull. We protect your credit score.
✓ No Upfront Costs or Obligations (No pressure quotes)
✓Serving Homeowners in Katy Since 1981
Cinco Ranch – Grand Lakes – Seven Meadows – Elyson – Jordan Ranch – Cross Creek Ranch – Firethorne – Cane Island
As a trusted mortgage company in Katy, Silver Mortgage helps families in Cinco Ranch, Grand Lakes, and throughout Fort Bend and Harris counties secure competitive home loans. Whether you’re buying your first home near Katy Mills Mall, upgrading to a larger property in Elyson, or refinancing your current Cinco Ranch home, we’re here to help you navigate the mortgage process with confidence.
Why Choose Silver Mortgage?
Your bank can offer you a mortgage in, but they can only offer you their mortgage.
Silver Mortgage is different. We’re an independent mortgage broker working for you in Katy.
Our job is to work for you, shopping dozens of lenders and making them compete for your business. This ensures you get a competitive rate and the right loan for your financial goals, not just the one loan your bank wants you to take.
| Feature | ✅ Silver Mortgage | ❌ Big Banks & National Lenders |
|---|---|---|
| Loan Options | We shop dozens of lenders to find the perfect loan for you in Katy. | Limited to only their own handful of loan products. |
| Interest Rates | We make lenders compete, driving your rate down. | You get one rate offer—take it or leave it. |
| Who We Work For | You, the client. Our success depends on your satisfaction. | The bank. Their loyalty is to their shareholders. |
The Bottom Line: Don’t settle for the one-size-fits-all approach from a big bank. Choosing Silver Mortgage means you get more options, unbiased advice, and a lower rate, all with the personal service you deserve.
Free Mortgage Quote
Silver Mortgage calculates ALL your costs upfront – including property taxes, MUD district fees, and the Fort Bend vs. Harris County tax differences – so there are no surprises.
Katy Loan Options
We shop dozens of lenders to find the perfect loan for your home in Katy, from conventional and FHA to jumbo loans for luxury properties and first time homebuyer mortgage programs.
Fast Closing Process
Our local expertise in Katy means we navigate title and survey requirements efficiently, helping you close on time, every time.
Buying or Refinancing in Katy?
Whether you’re buying or refinancing a home in Katy, Texas, two significant financial considerations you might not be aware of are the Fort Bend vs. Harris County tax differences and MUD (Municipal Utility District) taxes.
For purchase transactions, these costs can add hundreds per month to your housing payment in addition to typical property taxes and homeowners insurance. They must be factored into your lender’s Debt-to-Income (DTI) ratio.
For refinances, understanding these costs helps ensure you get accurate payment estimates and maximize your savings.
MUD taxes fund essential infrastructure, such as water, sewage, and drainage systems, in master-planned communities throughout Katy.
Depending on which county your home is in—and which neighborhood—MUD tax rates can add hundreds or more to your monthly or annual payments.
The Fort Bend vs. Harris County divide impacts your property taxes, auto insurance rates, and the quality of local services. The county you choose can significantly affect your overall cost of living.
On a $400,000 home, the difference in county and MUD taxes can be substantial. For example, a home in a newer Katy MUD might have a combined tax rate over 3.0%, while a home in an established neighborhood with paid-off MUD bonds could be closer to 2.25%.
At Silver Mortgage, we calculate these costs into your total monthly housing expense from day one—whether you’re buying your first home, upgrading to a larger property, or refinancing to lower your rate.
This ensures you’re qualified for the right loan amount and helps you avoid surprises during underwriting.
Many homeowners are unaware that MUD taxes and county tax differences must be included in their lender’s qualification calculations.
Understanding the actual cost of homeownership in Katy—including property taxes, MUD district fees, and county tax differentials—is essential for making an informed decision.
Silver Mortgage is a local mortgage company and here to walk you through every detail, whether you’re buying or refinancing your home in Katy, Texas.
The Katy Neighborhoods We Serve
Silver Mortgage has deep expertise in financing homes across diverse neighborhoods in Katy and the surrounding areas of Fort Bend, Harris, and Waller counties.
Cinco Ranch
One of Katy’s largest and most established master-planned communities, Cinco Ranch is known for its resort-style amenities, numerous parks, and highly-rated schools. Because it is a more mature community, MUD taxes in Cinco Ranch are generally lower than in newer developments, offering a more predictable long-term cost of ownership. We specialize in financing both resale homes and new construction within this premier Katy neighborhood.
Grand Lakes
True to its name, Grand Lakes is distinguished by its series of beautiful man-made lakes, lush greenbelts, and family-friendly atmosphere. It offers a variety of home styles and excellent community amenities, including pools, tennis courts, and walking trails. As an established neighborhood, Grand Lakes benefits from lower MUD tax rates, making it an attractive option for budget-conscious buyers seeking a premium lifestyle.
Seven Meadows
A premier golf course community centered around the Meadowbrook Farms Golf Club, Seven Meadows offers luxury living with a range of home styles and prices. This established neighborhood features beautiful landscaping, community pools, and parks. Its mature infrastructure means MUD bonds are largely paid down, resulting in a lower overall tax rate than in newer communities.
Elyson
As one of Katy’s newer and fastest-growing master-planned communities, Elyson is known for its modern homes, community cafe, and resort-style amenities. As a developing community, homebuyers should be aware that MUD taxes will be higher here to fund the new infrastructure. We help buyers navigate the specific MUD district fees and factor them into their pre-approval upfront, ensuring there are no surprises.
Jordan Ranch
Another of Katy’s popular new-construction communities, Jordan Ranch, offers a family-oriented lifestyle with unique amenities like a lazy river and a state-of-the-art fitness center. As a newer development, it has higher MUD taxes to support its growing infrastructure. Our team understands the financing nuances of new construction and can help you secure the perfect loan for your new home in Jordan Ranch.
Katy Mortgage FAQs
What is a mortgage broker?
How much does a mortgage broker cost in Katy?
What's the difference between buying in Fort Bend County vs. Harris County in Katy?
What are MUD taxes in Katy and how do they affect my payment?
What Katy neighborhoods do you serve?
We serve all major Katy neighborhoods, including Cinco Ranch, Grand Lakes, Seven Meadows, Elyson, Jordan Ranch, Cross Creek Ranch, and Firethorne.
Our expertise covers both established communities with lower MUD taxes and new construction neighborhoods throughout Fort Bend, Harris, and Waller counties.We understand the unique financing requirements for each area, from luxury homes in Seven Meadows to first-time buyer properties in Elyson.
How long does it take to close a mortgage in Katy?
What mortgage programs are available in Katy?
Are you a broker or a direct lender in Katy?
What mortgage company will originate my mortgage in Katy?
All mortgage loans in Katy are originated through Secure Financial Services, Inc. (NMLS #70160) or Silver Mortgage Funding Group, LLC (NMLS #360472).
Can I get a mortgage in Katy?
We make it easy to pre-qualify for a mortgage in Katy. The qualification process is straightforward.
You’ll need basic income and employment documentation, such as pay stubs, W-2s or tax returns (if self-employed), bank statements, and credit authorization. We walk you through the entire process step-by-step, whether you’re a first-time homebuyer in Katy, self-employed, or have unique financial circumstances.
Check out the blog at www.SteveSilverNow.com for Texas mortgage, real estate and financial information that you won’t find anywhere else.
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