Sugar Land Mortgage Broker - Silver Mortgage
Sugar Land Mortgage Company
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.
Sugar Land Mortgage Company
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 Sugar Land, 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.
Last Updated: January 27, 2026
Key Takeaways– 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
💡 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.
Silver Mortgage Loan Programs for Sugar Land
✅ Silver Mortgage specializes in mortgage programs for borrowers in Sugar Land 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 Sugar Land
FHA mortgage (3.5% down), VA mortgage (0% down), Conventional mortgage (3% down).
Learn More →Refinancing Your Mortgage in Sugar Land 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 in Sugar Land With A Mortgage from Silver Mortgage
Mortgage financing for your next home purchase in Sugar Land, 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 that do not 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 →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).
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.
“Our loan was complicated and he used all available resources to get our loan closed.Our loan was complicated and he used all available resources to get our loan closed. Steve exceeded our expectations and provided excellent communication throughout the entre loan process. Our…”
“We worked directly with Steve Silver and he did an outstanding job providing us with all the information we needed regarding acquiring the best loan rates and securing our loan. When our builder had delays in completing our home, Steve did a wonderful job rolling with the…”
“recommends Steve was impeccable in his knowledge of the mortgage process. We had initially applied for a mortgage from another lender but ultimately went with Steve and his team. His knowledge of the process, the finite details and how best to achieve our goals gave us…”
“Steve was very patient throughout the very tedious and difficult task of completing the refinancing. He was very responsive to all my questions and concerns and stayed on top of receiving and filing all the necessary documents. From the day I contacted Steve to the recent…”
“His communication was thorough and timely. His communication was thorough and timely. Steve was really responsive and helpful. His communication was thorough and timely. With his help we were able to close quickly and without a hitch (which is no small feat these days). He’s…”
“Steve was impeccable in his knowledge of the mortgage process. We had initially applied for a mortgage from another lender but ultimately went with Steve and his team. His knowledge of the process, the finite details and how best to achieve our goals gave us confidence…”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to See Your Sugar Land Mortgage Rate 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