Pearland Mortgage & Refinance - Silver Mortgage
Pearland Mortgage Company
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Pearland Mortgage Company
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Last Updated: February 14, 2026
Silver Mortgage serves Pearland, including Shadow Creek Ranch, Silverlake, Southwyck, and throughout Brazoria and Harris counties.
- Silver Mortgage 44+ years serving Pearland – Since 1981 with experience in Shadow Creek Ranch master-planned community financing, medical professionals commuting to Texas Medical Center, and dual-county coverage (Brazoria and Harris counties)
- $0 mortgage application fee, $0 upfront costs – Silver Mortgage access to 20+ wholesale mortgage lenders with one credit pull, same-day mortgage pre-qualification available
- Alternative documentation programs – Specialized mortgage programs – FHA, VA, conventional, jumbo loans, plus DSCR loans for investors and flexible options for self-employed borrowers
- Wholesale pricing advantage – Silver Mortgage wholesale lender access could mean lower costs than retail banks; $0 application fees $0 upfront fees
- Service areas – Pearland neighborhoods (Shadow Creek Ranch, Silverlake, Southwyck, Country Place, Lower Kirby District), Brazoria County, Fort Bend and Harris County
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers
❓ Moving to Pearland?
Frequently Asked Questions: Pearland Mortgage Financing
Common mortgage questions from Pearland homebuyers and homeowners.
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 Pearland 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 Pearland.
Can I buy a new construction home in Shadow Creek Ranch with little money down?
Yes—VA loans offer 100% financing for veterans, FHA loans require just 3.5% down, and conventional loans need as little as 3% down for first-time buyers. Silver Mortgage specializes in Shadow Creek Ranch new construction financing with builder coordination and fast closings.
What if I’m a medical professional commuting to Texas Medical Center?
Silver Mortgage offers specialized mortgage programs for physicians, nurses, and medical residents commuting from Pearland to Houston’s Texas Medical Center. These programs may offer reduced down payments and flexible qualification options for healthcare professionals.
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 buy an investment property in Pearland to rent out?
Yes—Silver Mortgage offers DSCR loans that qualify based on the rental income the property will generate, not your personal income. This works well for Pearland investors buying rental properties in Shadow Creek Ranch, Silverlake, or Southwyck neighborhoods.
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.
*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 Silver made the whole process easy. He was very professional and kept in constant communication. This is the second time I’ve used his company and will entrust him with my business in the future.”
“Steve helped me understand the current nuances of the mortgage market and how rates were moving. The process was nearly effortless on my part. His team helped me with anything and everything. Awesome!”
“Very trustworthy Very trustworthy Extremely happy with the service I have received from this company. This is the second time I have used Silver Mortgage and I will definitely use them in the future.”
“recommends Steve is one of the most competitive lenders I’ve came across. He’s very responsive, and he will provide answers to all your questions. I recommend contacting him before choosing a lender.”
“Been though a few home purchases/refinances none come close to the consumer service Steve and Robin provided. Will undoubtedly choose them for any other mortgage services we may need in the future.”
“Steve took time to help me with questions I had about my existing reverse mortgage vs getting refinanced. He took time to study my documents and gave me great, sound advice. Very much appreciated!”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to Get Your Pearland Mortgage Rate Quote?
No upfront costs. No obligations. Local Pearland, Texas mortgage company – since 1981.
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Popular Loan Programs in Pearland
• 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