Pearland Mortgage Broker - Silver Mortgage
The Pearland Texas Mortgage Company - Silver Mortgage
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.
The Pearland Texas Mortgage Company - Silver Mortgage
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.
Silver Mortgage specializes in home mortgage financing and refinancing in Pearland, 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.*
Last Updated: January 28, 2026
- 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 – Bank statement mortgage loans for self-employed borrowers and business owners; DSCR mortgage loans for real estate investors; asset depletion mortgage loans for retirees
- 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
Mortgage Loan Programs for Pearland
✅ Silver Mortgage specializes in mortgage programs for borrowers in Pearland 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 in Pearland
FHA mortgage (3.5% down), VA mortgage (0% down), Conventional mortgage (3% down).
Learn More →Refinancing Your Mortgage in Pearland with Silver Mortgage
Mortgage refinancing can lower your interest rate, reduce monthly payments, or allow you to tap into home equity.
Learn More →Buying Your Next Home With A Mortgage from Silver Mortgage
Mortgage financing for your next home purchase in Pearland, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage with Silver Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs in Pearland that don’t require income verification.
Learn More →Self-Employed Mortgage with Silver 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 Pearland?
Pearland-Specific Mortgage Considerations
Specialized mortgage expertise for Pearland homebuyers and homeowners.
Shadow Creek Ranch Master-Planned Community
Specialized financing for Shadow Creek Ranch homes including new construction and resale properties. Access to 20+ wholesale lenders for competitive rates on master-planned community purchases.
Brazoria and Harris County Coverage
Pearland spans two counties with conforming loan limits of $832,750 in both Brazoria and Harris counties. Jumbo financing available for properties exceeding conforming limits.
Texas Medical Center Commuters
Mortgage programs for physicians, nurses, and healthcare professionals living in Pearland and commuting to Houston’s Texas Medical Center. Physician loan programs with reduced down payments available.
New Construction Financing
Construction-to-permanent loans and new construction financing for Pearland’s growing neighborhoods. Builder incentive coordination and one-time close construction loans available.
Frequently Asked Questions: Pearland Mortgage Financing
Common mortgage questions from Pearland homebuyers and homeowners since 1981.
I’m relocating to Pearland. Can I get pre-qualified remotely?
Yes. We handle remote mortgage pre-qualifications for relocations to Pearland. Apply online, upload documents digitally, receive same-day pre-qualification. No physical presence required. $0 application fee.
Do you finance homes in Shadow Creek Ranch?
Yes. We specialize in Shadow Creek Ranch mortgage financing including new construction and resale homes. Access to 20+ wholesale lenders for competitive rates on master-planned community purchases. FHA, VA, Conventional, and Jumbo loan programs available.
Do you offer mortgage programs for medical professionals commuting to Texas Medical Center?
Yes. We offer physician loan programs and healthcare professional mortgages for Pearland residents commuting to Houston’s Texas Medical Center. Reduced down payment options available for physicians, nurses, and medical residents. $0 application fee.
How long does it take to refinance my Pearland mortgage?
Most Pearland 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 Pearland 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 Pearland 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 Pearland homes?
Jumbo mortgage loans exceed the Brazoria and Harris County conforming loan limit of $832,750. We access 20+ wholesale lenders for competitive jumbo loan rates.
Can I get a HELOC for Pearland home renovations?
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 Pearland 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 Pearland 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.
“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