Plano Mortgage Company - Silver Mortgage
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Last Updated: February 13, 2026
Silver Mortgage specializes in home mortgage financing and refinancing in Plano, 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.*
- Silver Mortgage 44+ years financing Plano homes – Since 1981 with deep expertise in Collin County mortgage lending, corporate relocations (Toyota North America, AT&T, Samsung Electronics America, JPMorgan Chase), and specialized financing for Legacy West, Legacy Drive, West Plano, and East Plano neighborhoods.
- $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 for Plano homebuyers and corporate relocations.
- Specialized mortgage programs for Plano – Corporate relocation mortgage financing for 8 Fortune 500 companies, jumbo mortgage loans for properties exceeding $832,750 conforming loan limit, and alternative documentation programs for Plano’s highly educated professional workforce (63.6% bachelor’s degree or higher).
- Alternative documentation programs – Bank statement mortgage loans for self-employed Plano borrowers and business owners; DSCR mortgage loans for Plano real estate investors; asset depletion mortgage loans for retirees with significant liquid assets.
- Wholesale pricing advantage – Silver Mortgage wholesale lender access could mean lower costs than retail banks; $0 application fees, $0 upfront fees, competitive rates on FHA, VA, Conventional, and Jumbo mortgage loans.
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers, remote pre-qualification available for professionals relocating to Plano.
❓ Moving to Plano?
Plano Mortgage FAQs
I’m relocating to Plano for a Fortune 500 company. Can I get pre-qualified before I move?
Yes. Silver Mortgage handles remote mortgage pre-qualifications for professionals relocating to Plano. Apply online, upload documents digitally, and receive same-day pre-qualification. No physical presence required. $0 application fee. Silver Mortgage coordinates with major Plano employers including Toyota North America, AT&T, Samsung Electronics America, JPMorgan Chase, and Bank of America for corporate relocation mortgage financing.
How do tech professionals with equity compensation qualify for Plano mortgages?
Silver Mortgage verifies income for Plano tech professionals using alternative documentation programs including 12 or 24 months of personal or business bank statements (no tax returns required). Silver Mortgage also offers Asset Depletion Loans for tech professionals with significant liquid assets from equity compensation or stock options. Alternative income documentation programs available for professionals with variable income structures. $0 application fee. 21-30 day closings.
What are jumbo mortgage loans for Plano homes?
Jumbo mortgage loans exceed the Collin County conforming loan limit of $832,750. $0 application fee. 21-30 day closings.
How does Texas cash-out refinancing work for Plano homeowners?
Texas cash-out refinancing allows you to access home equity (up to 80% loan-to-value under Texas law). You must wait 12 months after your original mortgage closing or previous cash-out refinance before applying. Silver Mortgage handles all Texas-specific mortgage documentation requirements. 21-30 day closings. $0 application fee. Common uses: debt consolidation, home improvements, investment capital or put back in savings if low on cash.
How much down payment do I need to buy a Plano 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 outside Plano). Silver Mortgage helps you determine which program fits your financial situation. $0 application fee. 21-30 day closings.
How do self-employed borrowers qualify for Plano mortgages?
Silver Mortgage verifies income using 12 or 24 months of personal or business bank statements. Silver Mortgage also offers Asset Depletion Loans for Plano business owners and entrepreneurs with significant liquid assets. Alternative income documentation programs for 1099 contractors and gig economy workers. $0 application fee. 21-30 day closings.
What credit scores are required to buy a Plano 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).
*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.
“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.”
“Steve did an amazing job with getting all the financials situated for us to be able to secure our house. It took an army for sure. Thanks again Steve!”
“Steve is awesome, great communication and top notch knowledge of the housing market and mortgage business! A pleasure to work with. Highly recommend.”
“I had been talking to five other companies prior to Silver Mortgage Funding. There is no doubt that we got the best rate available with this company.”
“I had been talking to five other companies prior to Silver Mortgage Funding. There is no doubt that we got the best rate available with this company.”
“I had been talking to five other companies prior to Silver Mortgage Funding. There is no doubt that we got the best rate available with this company.”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to See Your Plano Mortgage Rate Quote?
No upfront costs. No obligations. Local Plano mortgage lender – since 1981.
