Pasadena Mortgage & Refinance - Silver Mortgage
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Last Updated: February 13, 2026
Silver Mortgage specializes in home mortgage financing and refinancing in Pasadena, Texas 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.*
Pasadena Texas Mortgage Broker – Key Takeaways
- ✓44+ years financing Pasadena homes across Harris County including Ponderosa Forest, Brookwood, Deepwater, and Southmore. Specialized mortgage programs for petrochemical industry workers and Port of Houston employees.
- ✓Port of Houston and petrochemical industry expertise for refinery workers, chemical plant employees, and maritime professionals. We understand shift work income verification and overtime documentation.
- ✓Same-Day Mortgage Pre-Qualification for Pasadena homebuyers and homeowners. Remote pre-qualification available for industrial sector relocations.
- ✓Access to 20+ wholesale lenders, $0 application fee, 21-30 day closings. FHA, VA, Conventional, Jumbo mortgage loans for Pasadena properties.
❓ Moving to Pasadena?
Frequently Asked Questions: Pasadena Mortgage Financing
Common mortgage questions from Pasadena homebuyers and homeowners since 1981.
I’m relocating to Pasadena for petrochemical or Port of Houston employment. Can I get pre-qualified remotely?
Yes. We handle remote mortgage pre-qualifications for industrial sector relocations to Pasadena. Apply online, upload documents digitally, receive same-day pre-qualification. No physical presence required. $0 application fee.
How do you verify income for refinery workers and shift employees?
We understand petrochemical industry income patterns including shift differentials, overtime, and rotating schedules. We use pay stubs, W-2s, and employer verification to document total income. $0 application fee. 21-30 day closings.
Do you finance homes in Ponderosa Forest and Brookwood?
Yes. We specialize in mortgage financing for Pasadena neighborhoods including Ponderosa Forest, Brookwood, Deepwater, and Southmore. FHA, VA, Conventional, and Jumbo loan programs available. Access to 20+ wholesale lenders.
How long does it take to refinance my Pasadena mortgage with Silver Mortgage?
Most Pasadena refinances close in 21-30 days. No mandatory waiting period unless refinancing a Texas Home Equity Loan (one-year wait required by Texas law). $0 application fee.
How much down payment do I need to buy a Pasadena home?
Down payment requirements vary by loan type: FHA (3.5% minimum), Conventional (3-5% minimum), VA (0% for eligible veterans). $0 application fee. 21-30 day closings.
How do self-employed borrowers qualify for Pasadena mortgages?
Self-employed borrowers can use 12 or 24 months of bank statements to verify income (no tax returns required). We also offer Asset Depletion Loans for business owners with significant liquid assets. $0 application fee.
What are jumbo mortgage loans for Pasadena homes?
Jumbo mortgage loans exceed the Harris County conforming loan limit of $832,750. We access 20+ wholesale lenders for competitive jumbo loan rates. Down payment typically 10-20%.
Can I get a HELOC for Pasadena home renovations with Silver Mortgage?
Yes. Home Equity Lines of Credit (HELOCs) allow you to access home equity for renovations, repairs, or other expenses. We also offer FHA 203(k) and HomeStyle renovation loans that combine purchase or refinance with renovation financing. $0 application fee.
How does Texas cash-out refinancing work for Pasadena homeowners?
Texas cash-out refinancing allows you to access home equity up to 80% loan-to-value. You must wait 12 months after your original mortgage closing or previous cash-out refinance. 21-30 day closings. $0 application fee.
What credit score is required to buy a Pasadena home?
Minimum credit score depends on loan type: FHA (580 minimum), Conventional (620 minimum), VA (no official minimum), Jumbo (varies).
*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.
“When Steve says it will get done, no matter how, he will get it done. He is always providing detailed updates throughout the process.”
“We were very impressed with the level of service and professionalism. The entire process was handled with care and attention to detail.”
“Steve managed to lock my rate at the most appropriate time to guarantee the lowest possible rate. Excellent timing and advice.”
“Everyone on staff at Silver Mortgage is very knowledgeable, honest and responsive. They made the lending process transparent and easy.”
“I was a first-time homebuyer AND I had to deal with a difficult seller. Steve successfully guided me through the mortgage process.”
“Communication was excellent. I always had a response right away on any questions. Highly recommended for anyone looking for a smooth transaction.”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
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No upfront costs. No obligations. Local Pasadena, Texas mortgage lender – since 1981
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Popular Loan Programs in Pasadena
• 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