Sugar Land Mortgage Broker - Silver Mortgage
Sugar Land Mortgage Broker. Affordable, Reliable, Fast and 5-star rated Since 1981.
$0 Cost to Apply. Fast & Free Quotes. Same Day Mortgage Pre-Qualification.
✓ Financing Sugar Land homes since 1981
✓ Access to 20+ lenders with one credit pull
✓ Direct access to your loan processor
What Our Clients Say
“Steve was able to offer the best rate compared to other lenders.” — Calvin K., Buyer’s Agent, 2015
“This is our first time to buy a house, but the mortgage process was not terribly hard as Steve was very knowledgeable.” — First-Time Homebuyer, Houston, 2011
“Steve is very knowledgeable and explains in detail the process of the loan application and the working of interest rates.” — Andres B., Houston, 2017
TL;DR – Sugar Land Mortgage Broker Quick Facts
- Financing Sugar Land since 1981—44+ years serving Sweetwater, Telfair, Greatwood, and all Sugar Land neighborhoods
- Access to 20+ lenders with one credit pull—$0 application fee, $0 upfront fees, Loan Estimate in 3 business days
- Direct access to your loan processor—Local processing from application to closing in 21-30 days
💡 Key Insight: Refinancing in 2026
As interest rates decline, refinancing your home in Sugar Land could lower your monthly payment. We offer multiple refinance options:
- FHA Streamline Refinance – No appraisal, reduced documentation, faster processing
- VA Streamline Refinance (IRRRL) – Minimal docs, refinance up to 100% LTV
- Rate-and-Term Refinance – Lower your rate or change your loan term
- Cash-Out Refinance – Access your equity (Texas 80% LTV limit)
As a mortgage broker with wholesale lender access, we can compare 20+ lenders to find you competitive mortgage refinance rates.
$0 application fee, $0 upfront fees and just 1 credit pull. Typical timeline to closing: 21-30 days.
✅ Success Story: Sugar Land Refinance
We helped a Telfair family refinance their home by comparing 20+ lenders with one credit pull. They closed in 28 days with $0 application fee and received a Loan Estimate within 3 business days showing their exact rate and monthly payment.
“Silver Mortgage made the process easy and transparent. No surprises, no hidden fees, and we got a competitive rate.” — Telfair Homeowner, 2025
Why Sugar Land, Texas?
Fort Bend ISD—Top-Rated Schools & Master-Planned Living
Here’s what that actually means:
📍 Fort Bend ISD schools — consistently ranked among Houston’s top school districts for academics and extracurriculars
🏘️ Master-planned communities — Sweetwater, Telfair, Greatwood, Riverstone with resort-style amenities, championship golf courses, and trails
🏙️ Sugar Land Town Square — walkable downtown with shopping, dining, entertainment, and year-round events
💰 Strong home values — established neighborhoods with proven appreciation, popular refinance market
👨👩👧👦 Family-oriented community — safe neighborhoods, excellent parks, family-friendly events and festivals
🏢 Houston proximity — 20 miles southwest of Houston, easy access to Medical Center, Galleria, and Energy Corridor
🏗️ Mix of established and new — from mature communities like Sweetwater to new developments like Riverstone
The only Houston suburb where you can:
- Access Fort Bend ISD’s top-rated schools and programs
- Live in master-planned communities with championship golf courses and resort amenities
- Walk to Sugar Land Town Square for dining, shopping, and entertainment
- Choose from established neighborhoods or new construction with modern amenities
Located 20 miles southwest of Houston in Fort Bend County, Sugar Land offers families top-rated schools, master-planned living, and strong home values, making it one of Houston’s most desirable suburbs for homebuyers and a popular market for refinancing.
💡 Quick Tip: Get Pre-Qualified Today Before House Hunting in Sugar Land
Sugar Land’s competitive housing market (especially in Sweetwater, Telfair, and Greatwood) moves fast. Sellers and listing agents prefer buyers with pre-qualification letters because it shows you’re serious and financially qualified.
Get pre-qualified today with $0 application fee and access rates from 20+ approved lenders, protecting your credit score while shopping.
Sugar Land, Texas Neighborhoods
Sweetwater
Sweetwater is one of Sugar Land’s premier master-planned communities, featuring resort-style amenities, a championship golf course, and highly-rated schools. This established village offers mature landscaping and a range of home styles. We specialize in financing for both resale homes and new construction within this premier Sugar Land neighborhood.
Telfair
Telfair features elegant homes, tree-lined streets, and family-friendly atmosphere. It offers a variety of home styles and excellent community amenities, including pools, tennis courts, and walking trails. This established neighborhood provides a premium lifestyle with convenient access to Sugar Land Town Square.
Greatwood
Greatwood is a premier golf course community centered around the Greatwood Golf Club, offering luxury living with a range of home styles and prices. This established neighborhood features beautiful landscaping, community pools, and parks. We help buyers navigate financing for Greatwood’s diverse housing options.
New Territory
New Territory is one of Sugar Land’s well-established communities, known for its affordable homes, excellent schools, and family-oriented atmosphere. This mature community offers a range of home styles with convenient access to major employment centers. We specialize in financing for New Territory properties at all price points.
Riverstone
Riverstone is one of Sugar Land’s newer and fastest-growing master-planned communities, known for its modern homes, resort-style amenities, and Crystal Lagoon. This developing community features cutting-edge amenities and contemporary architecture. We help buyers understand financing options for Riverstone’s new construction and modern home inventory.
First Colony
First Colony is one of Sugar Land’s most established master-planned communities, offering mature trees, family-friendly amenities, and convenient access to major highways. This popular neighborhood features a mix of home styles and price points. We specialize in financing for both conventional and jumbo loans in First Colony.
Whether you’re buying in Sweetwater, refinancing in Telfair, or investing in Riverstone, Silver Mortgage provides guidance on local financing requirements and Fort Bend County-specific mortgage processes.
📊 Did You Know? Sugar Land Refinance Market
Sugar Land has one of Houston’s strongest refinance markets due to established neighborhoods with proven appreciation. As interest rates decline, many Sweetwater and Telfair homeowners are exploring refinance options to lower their monthly payments or get cash-out.
We offer multiple refinance options: FHA Streamline, VA IRRRL, Rate-and-Term, and Cash-Out refinance. Typical timeline: 21-30 days with $0 application fee. Get your personalized Loan Estimate in 3 business days showing your exact rate and monthly payment.
Sugar Land at a Glance
| 📍 Location | 20 miles southwest of Houston |
| 🏛️ County | Fort Bend County |
| 🏫 Schools | Fort Bend ISD (top-rated) |
| 🏘️ Neighborhoods | Sweetwater, Telfair, Greatwood, New Territory, Riverstone, First Colony |
| 💰 Median Home Price | ~$550,000-$650,000 |
| 📊 Mortgage Loan Programs | FHA, VA, Conventional, Jumbo, Renovation |
❓ What If I’m Self-Employed in Sugar Land?
We offer bank statement loans that focus on your actual cash flow, not just tax returns. This is ideal for self-employed business owners, contractors, and entrepreneurs buying or refinancing in Sugar Land.
Requirements: 12-24 months of bank statements showing consistent deposits. Timeline: 21-30 days, $0 application fee. Get your personalized Loan Estimate in 3 business days.
Mortgage Rate Quote
$0 application fee. $0 upfront costs
Same Day Mortgage Pre-Qualification
Sugar Land Mortgage Options
Conforming - Non-Conforming
FHA-VA
Purchase - Refinance
Cashout - HELOC
Renovation-Construction
Lot-Land Loans
Investment - DSCR
Local Loan Processing
Close in 21-30 days.
Fast closings at no extra cost
🔍 Myth Debunked: You Don’t Need 20% Down in Sugar Land
Many Sugar Land homebuyers think they need 20% down to buy a home. This is false.
Reality: We offer programs starting at 3% down for first-time buyers, 5% down for conventional loans, and 0% down for VA loans (veterans/active military).
Example: $550,000 home in Sweetwater = $16,500 down (3%) vs. $110,000 (20%). That’s $93,500 you can keep for moving costs, furniture, and reserves. Get your personalized Loan Estimate in 3 business days showing your exact down payment options.
Sugar Land Mortgage FAQs
What credit score do I need to buy a house in Sugar Land?
Credit score requirements for Sugar Land home loans vary by loan program, but you have options even with lower credit scores.
Minimum credit scores by loan type (subject to change):
• FHA Loans: 580 minimum (3.5% down) or 500-579 (10% down required)
• VA Loans: No official minimum, but most lenders require 620+ for competitive rates
• Conventional Loans: 620 minimum for most programs, 640+ for better rates
• Jumbo Loans: 680-700+ typically required for Sugar Land luxury homes in Sweetwater, Telfair, or Greatwood
What affects your rate:
Higher credit scores qualify for lower interest rates. We work with a variety of credit profiles to find you a suitable loan for your Sugar Land home purchase. If your credit score is below 620, we can discuss FHA loan options or credit improvement strategies.
What Silver Mortgage provides:
• One credit pull to access rates from 20+ wholesale mortgage lenders
• Loan Estimate within 3 business days showing your rate based on your actual credit score
• $0 application fee, $0 upfront fees to get started
How much down payment do I need for a Sugar Land home?
Down payment requirements for Sugar Land homes range from 0% to 20%+, depending on your loan program and financial situation.
Down payment options:
• VA Loans: 0% down for eligible veterans and active military (no PMI required)
• FHA Loans: 3.5% down minimum (requires MIP mortgage insurance)
• Conventional Loans: 3% down for first-time buyers, 5-10% for repeat buyers
• Jumbo Loans: 10-20% down for Sugar Land luxury homes in Sweetwater, Telfair, Greatwood
What affects your down payment:
Larger down payments (20%+) typically qualify for better rates and avoid PMI (Private Mortgage Insurance). However, many Sugar Land homebuyers choose lower-down-payment programs to preserve cash for moving costs, furniture, and reserves.
Down payment requirements for Sugar Land homes range from 0% to 20%+ depending on your loan program and financial situation.
How long does it take to get pre-qualified for a Sugar Land mortgage?
Most Sugar Land homebuyers receive a mortgage pre-qualification the same day or within 24 hours after submitting their application information.
What Silver Mortgage provides:
• Same Day Pre-qualification or within 24 after receiving your documents that’s complaint with real estate agent requests (if a purchase) and government guidelines
• $0 application fee, $0 upfront fees to get pre-qualified
• Direct access to your loan processor throughout the process
Quick tip: Get pre-qualified BEFORE house hunting in Sugar Land to strengthen your offer in competitive markets like Sweetwater, Telfair, or Riverstone.
How much will my mortgage cost in Sugar Land?
Your mortgage cost in Sugar Land depends on several key factors that affect your interest rate, loan terms, and approval:
Loan Amount & Down Payment — Larger down payments typically get better rates and avoid PMI. We offer programs with down payments as low as 3% and 0% for VA loans for veterans.
Credit Score — Higher credit scores qualify for lower interest rates. We work with various credit profiles so that you can see available rate options.
Debt-to-Income Ratio (DTI) — Lower DTI ratios (typically under 43%) can help you qualify quickly for your mortgage. We help you calculate your DTI and structure your loan accordingly.
Mortgage Insurance — Conventional loans with less than 20% down require PMI. FHA loans require MIP regardless of down payment. VA loans have a one-time VA Funding Fee that can be financed into the loan. These costs affect your monthly payment and/or upfront costs.
Employment Status — W-2 employees, self-employed, and business owners have different documentation requirements and pricing.
Documentation Type — Full documentation (W-2s, 1099, K1) typically qualifies for lower mortgage rates. Alternative documentation programs (bank statement loans, asset depletion, DSCR for investors) may have slightly higher rates but offer flexibility for self-employed borrowers and real estate investors.
Property Type — Single-family homes typically get the best rates. Condos, multi-family, and manufactured homes may have slightly higher rates.
Property Use — Primary residence gets the lowest rates. Second homes and investment properties have slightly higher rates due to increased lender risk.
Silver Mortgage provides:
- $0 Application Fee and $0 Upfront Fees to get started
- Loan Estimate within 3 business days showing your rate, monthly payment, and all costs
- We explain every line item with no hidden fees
- Third-party fees (credit report ~$95 and appraisal ~$595 for conforming loans) are paid directly to vendors with no markups.
How much does a mortgage broker cost in Sugar Land?
Mortgage broker compensation in Texas can be lender-paid or borrower-paid, but not both. We provide transparent disclosure of all costs upfront.
At Silver Mortgage, you’ll receive a detailed Loan Estimate within 3 business days showing whether our compensation is lender-paid (built into your rate) or borrower-paid (paid at closing). We explain both options and help you choose what’s best for your home loan in Sugar Land.
There are no hidden fees, and you’ll know exactly what you’re paying before you commit.
Third-party fees:
You pay vendors directly for essential services like the credit report (~$95, paid to credit bureau) and appraisal (~$595, paid to appraiser for a conforming loan). We don’t control or mark up these costs.
What Sugar Land neighborhoods do you serve?
We serve all major Sugar Land neighborhoods, including Sweetwater, Telfair, Greatwood, New Territory, First Colony, Riverstone, and Sienna.
We serve both established communities and new construction neighborhoods throughout Fort Bend County. We understand the unique financing requirements for each area, from luxury homes in Sweetwater and Telfair to first-time buyer properties in New Territory and Riverstone.
How many times will my credit be pulled?
Silver Mortgage pulls your credit just once to access rates from dozens of lenders, protecting your credit score while shopping or refinancing your home in Sugar Land.
You can access multiple wholesale lenders along with our NDC (non-delegated correspondent) loan options using a single credit pull.
This helps:
- Protect your credit score
- Save you time and stress
- Provide a range of mortgage options to choose from for your home loan in Sugar Land.
How long does it take to close & fund a mortgage in Sugar Land?
Most home loans close in 21-30 days. We offer a typical, and rush closings are available if needed.
Our local loan process in Sugar Land includes:
- Direct access to your local mortgage loan processor
- We understand Sugar Land closing requirements.
- Fast closings at no additional cost, with local processing
- Comfortable & low-stress loan process
To meet your timeline, we keep you informed at every step—from initial application to closing day.
Are you a broker or a direct lender in Sugar Land?
Silver Mortgage is both a mortgage broker and a direct lender in Sugar Land, offering you more loan options with a single credit pull.*
As a broker, we have access to wholesale lenders with competitive rates, various loan programs, and flexible underwriting. You get the best of both worlds—maximum loan program options, competitive pricing, and local closings when needed for your mortgage in Sugar Land.
As a direct lender (through our NDC non-delegated correspondent), we can close certain loans in-house for faster processing and greater understanding of loan underwriting conditions.
This dual capability means you get the best of both worlds: maximum loan program options, competitive pricing, and local closings when needed for your mortgage in Sugar Land.
*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).
Ready to Get Your Sugar Land Mortgage Quote?
No upfront costs. No obligations. Local Sugar Land, Texas mortgage lender since 1981.
Explore More Houston Communities
Popular Loan Programs in Sugar Land
• 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