Katy Mortgage Broker - Silver Mortgage
Katy Mortgage Origination
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.
Katy Mortgage Origination
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.
Last Updated: January 28, 2026
Katy Mortgage Broker – Key Takeaways
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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.
Mortgage Loan Programs for Katy, Texas
✅ Silver Mortgage specializes in mortgage programs for borrowers in Katy 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 Katy
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 Katy With A Mortgage
Mortgage financing for your next home purchase in Katy, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs in Katy 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 Katy?
Katy-Specific Mortgage Considerations
Katy’s unique mortgage landscape requires specialized local knowledge. Here’s what Katy homebuyers and homeowners need to know.
Master-Planned Communities
Katy features premier master-planned communities including Cinco Ranch, Grand Lakes, Seven Meadows, Elyson, Jordan Ranch, and Cross Creek Ranch. We understand the unique financing requirements and HOA structures for these developments.
Multi-County Coverage
Katy spans Fort Bend, Harris, and Waller counties, each with different conforming loan limits and appraisal requirements. We navigate these multi-county complexities to ensure smooth mortgage closings across all Katy neighborhoods.
Energy Corridor Access
Katy’s proximity to Houston’s Energy Corridor makes it popular for energy sector professionals. We specialize in mortgage financing for corporate relocations and understand employer relocation assistance programs.
New Construction Financing
Katy’s rapid growth means extensive new construction in Elyson, Jordan Ranch, and Cross Creek Ranch. We specialize in new construction mortgage financing with builder incentives, rate locks during construction, and construction-to-permanent loans.
Katy Mortgage FAQs
Common mortgage questions from Katy homebuyers and homeowners since 1981.
I’m relocating to Katy. 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 mortgages for homes in Katy’s master-planned communities like Cinco Ranch and Grand Lakes?
Yes. We specialize in mortgage financing for Katy and all of Harris, Fort Bend, and Waller Counties.
Do you offer mortgage financing for new construction homes in Katy?
Yes. $0 application fee. We coordinate with major Katy builders for smooth closing timelines.
How does Texas cash-out refinancing work for Katy homeowners?
Texas cash-out mortgage refinancing allows you to access home equity (up to 80% loan-to-value under Texas law).
How much down payment do I need to buy a Katy 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). Jumbo down payments vary. $0 application fee.
How do self-employed borrowers qualify for Katy mortgages?
We offer bank statement mortgages, Asset Depletion Loans and other portfolio mortgage loan programs from national lenders.
What are jumbo mortgage loans for Katy homes?
Jumbo mortgage loans exceed $832,750
What credit score is required to buy a Katy 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 Katy home renovations?
Yes. Home Equity Lines of Credit (HELOCs) allow you to access home equity as needed for renovations, repairs, or other expenses.
*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).
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
• 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