The League City Mortgage Broker - Silver Mortgage
Galveston County tax considerations—ensuring you understand flood insurance, MUD taxes, and marina fees upfront.
"We Make Lenders Compete for Your Business, So You Get a Better Rate"
✓ One Application, One Credit Pull.
✓ No Upfront Costs
✓Serving Homeowners in League City Since 1981
South Shore Harbour · Marina Bay · Westland Ranch · Legacy · Hidden Lakes · Coastal Point · Tuscan Lakes · Newport · Magnolia Creek
Since 1981, Silver Mortgage has helped League City families navigate the local market and secure competitive mortgage rates across Galveston County. As an independent mortgage broker, we work with multiple lenders to find you the best rate and terms—whether you’re buying your first home in Westland Ranch, upgrading to a waterfront property in South Shore Harbour, or refinancing in Marina Bay.
League City offers a unique blend of waterfront living, Clear Lake boat access, and proximity to NASA’s Johnson Space Center. Many neighborhoods—including South Shore Harbour, Marina Bay, Legacy, and Hidden Lakes—feature direct access to Clear Lake and Galveston Bay, making League City a top choice for boating enthusiasts and waterfront homebuyers.
At Silver Mortgage, we understand the unique mortgage considerations that come with financing League City properties, especially waterfront homes.
Why Choose Silver Mortgage in League City?
Your bank can offer you a mortgage, but they can only offer you their mortgage. Big national lenders like the Wells Fargo branch in Market Street or the Chase branch on Research Forest Drive are limited to their own set of loan products and rates. They work for the bank’s bottom line.
Silver Mortgage is different. We’re a local mortgage broker in League City, and we work for you.
Our job is to be your advocate—to shop dozens of lenders and make them compete for your business. This is especially important in League City, where waterfront properties require flood insurance, MUD taxes, and Galveston County property tax calculations that can significantly impact your monthly payment. You need a broker who understands these local costs and can find you the best rate to offset them.
Here’s how we stack up:
| Feature | ✅ Silver Mortgage | ❌ Big Banks & National Lenders |
|---|---|---|
| Loan Options | We shop dozens of lenders to find the perfect loan for you in League City | 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
"Get a transparent rate quote that includes all local costs, like flood insurance, MUD taxes, and marina fees, so you know your true monthly payment in League City."
League City Options
"We shop dozens of lenders to find the perfect loan for your home in League City, from conventional and FHA to jumbo loans for waterfront properties."
Fast Closing Process
"Our local expertise in League City means we navigate flood zone certifications, title, and survey requirements efficiently, helping you close on time, every time."
Buying or Refinancing in League City?
Know These Costs First
Whether you’re buying or refinancing a home in League City, Texas, two significant financial considerations you might not be aware of are flood insurance requirements and Galveston County property tax calculations.
For purchase transactions, flood insurance is mandatory for properties in FEMA flood zones and 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.
Flood insurance premiums vary based on your property’s flood zone designation, elevation, and proximity to Clear Lake or Galveston Bay. Depending on which neighborhood your home is in—whether it’s South Shore Harbour, Marina Bay, or Coastal Point—flood insurance costs can significantly impact your monthly payment.
Many League City waterfront communities also have HOA fees and marina fees (if you have a boat slip), which must be included in your lender’s qualification calculations.
Galveston County property taxes differ from Harris County, affecting your monthly escrow payment. League City also has MUD (Municipal Utility District) taxes that fund essential infrastructure such as water, sewage, and drainage systems in master-planned communities.
On a $400,000 waterfront home, flood insurance might add $100-$300+ per month (depending on flood zone), MUD taxes might add $50-$150 per month, and HOA/marina fees could add another $100-$300 per month.
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 waterfront 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 flood insurance, MUD taxes, and HOA/marina fees must be included in their lender’s qualification calculations.
Understanding the actual cost of homeownership in League City—including property taxes, flood insurance, MUD district fees, and marina fees—is essential for making an informed decision.
Silver Mortgage is a local mortgage company here to walk you through every detail, whether you’re buying or refinancing your home in League City, Texas.
The League City Neighborhoods We Serve
As your local Woodlands mortgage broker, Silver Mortgage has deep expertise in financing homes across all villages and neighborhoods throughout The Woodlands and Montgomery County.
South Shore Harbour
South Shore Harbour is League City’s premier waterfront community, featuring marina access, luxury homes, and direct access to Clear Lake and Galveston Bay. Homes here typically range from $400,000 to $2,000,000+, with flood insurance and marina fees varying by specific location within the community.
Marina Bay
Marina Bay offers a mix of waterfront and non-waterfront homes with convenient access to Clear Lake marinas and I-45. This family-friendly neighborhood features parks, pools, and highly-rated schools. We help buyers navigate the specific flood zone requirements and MUD district fees associated with Marina Bay properties.
Westland Ranch
Westland Ranch is one of League City’s newer master-planned communities, offering modern homes with contemporary designs. The neighborhood features extensive amenities, parks, and proximity to League City’s retail and dining. As your League City mortgage broker, we calculate all HOA and MUD fees for Westland Ranch properties upfront.
Legacy
Legacy is centrally located with easy access to I-45, shopping, dining, and entertainment. This established neighborhood offers a range of home styles and prices, making it popular with both first-time buyers and move-up buyers.
Hidden Lakes
Hidden Lakes features some of League City’s most desirable properties, with homes backing to lakes and nature preserves. We specialize in financing both conventional and jumbo loans for Hidden Lakes’ higher-value properties.
Whether you’re buying in South Shore Harbour, Marina Bay, Westland Ranch, or any other League City neighborhood, Silver Mortgage provides expert guidance on local property taxes, flood insurance, MUD fees, and marina costs that impact your monthly payment.
League City FAQs
What is a mortgage broker and why use one in League City?
A mortgage broker works with multiple lenders to find competitive rates and terms, unlike banks that offer only their own products.
We are licensed mortgage professionals serving League City and Galveston County. Unlike a bank—which can only offer its own mortgage products—we shop multiple lenders to find you the best rate and loan program. This is especially valuable in League City, where waterfront properties may require specialized loan programs that account for flood insurance, MUD taxes, and marina fees.
What does a mortgage broker cost in League City?
What neighborhoods do you serve in League City?
We serve all League City neighborhoods, including South Shore Harbour, Marina Bay, Westland Ranch, Legacy, and Hidden Lakes.
As your local League City mortgage broker, we have deep expertise financing homes throughout Galveston County, whether you’re buying a waterfront property in South Shore Harbour or a traditional home in Westland Ranch. We understand the unique costs associated with each neighborhood, including flood insurance requirements, MUD taxes, and marina fees.
How many times will my credit report be ordered?
Your credit report will be ordered once after application (only after you authorize it) and may be refreshed before closing if your loan takes more than 120 days.
The good news is that most wholesale lenders accept the credit report for up to 120 days from the credit report order date. That can prevent multiple “pulls” on your credit and protect your credit score. This is especially true if your closing is delayed.
Multiple mortgage credit report requests from various lenders after 45 days of the first one can impact credit scores. With us, you only need one mortgage credit report to access programs from dozens of top wholesale lenders and portfolio lenders.
Additionally, we’re a direct lender for conforming and non-conforming loan products, providing you with even more options with just one mortgage credit report.
Are you a broker or a direct lender in League City?
Silver Mortgage is both a mortgage broker and a direct lender in League City, giving you more loan options with just one credit pull.
As a broker, we access dozens of wholesale lenders. As a direct lender through our non-delegated correspondent lending, we can also fund loans directly in-house.
This dual capability means you get the best of both worlds: maximum loan program options, competitive pricing, and faster closings when needed. Most companies are either a broker OR a lender—we’re both, which gives you more choices and better mortgage rates in League City.
Silver Mortgage also arranges commercial, multi-family, construction, and land loans throughout League City, Clear Lake City, Friendswood and Galveston County.
How long does it take to close a mortgage in League City
Most purchase and refinance loans in League City close in 21-45 days. 30 days is typical, and rush closings are available if needed.
You’ll have local access to us, including direct contact with your loan processor. We understand League City closing requirements, MUD district documentation, Galveston County tax calculations, and flood zone certifications, and work efficiently to meet your timeline, whether you’re buying in South Shore Harbour, refinancing in Marina Bay, or investing in Westland Ranch.
What mortgage programs are available in League City?
You’ll have access to mortgage products including FHA, VA, conventional, jumbo, USDA, renovation, construction, reverse mortgage, and Texas cash-out refinance programs, plus HELOCs and Home Equity Loan products.
We offer all major loan programs for League City homebuyers and homeowners: FHA loans (3.5% down), VA loans (0% down for veterans), conventional loans (as low as 3% down), jumbo loans for high-value properties in League City, USDA loans for rural areas outside League City, FHA 203(k) and HomeStyle renovation loans, and Texas cash-out refinancing (up to 80% LTV under Texas law).
If you’re self-employed, an investor, or have a special situation, get in touch with us to discuss your options.
What mortgage company will originate my mortgage in League City?
All mortgage loans in League City are originated through Secure Financial Services, Inc. (NMLS #70160) or Silver Mortgage Funding Group, LLC (NMLS #360472).
Steve Silver is your licensed loan originator in League City (NMLS #314817). Secure Financial Services, Inc. (NMLS #70160) is a licensed mortgage company in Texas, Colorado, and Florida. Silver Mortgage Funding Group, LLC (NMLS #360472) is a licensed Texas mortgage company. Both entities are fully licensed and regulated to ensure your home loan in League City is handled professionally and in compliance with all Texas regulations.
Can I get a mortgage in League City?
We make it easy to pre-qualify for a mortgage in League City. 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 League City, 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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