Texas Mortgage Broker Silver Mortgage - Since 1981
Texas Mortgage Origination
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.
Texas Mortgage Origination
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 is a mortgage broker, not a realtor, real estate agent, or bank. Silver Mortgage specializes in home purchase mortgage financing and home mortgage refinancing, 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 Texas – Licensed statewide since 1981 with local expertise in Houston, Dallas, Austin, San Antonio, and 254 Texas counties
- $0 mortgage application fee, $0 upfront costs – Silver Mortgage access to 20+ wholesale mortgage lenders with one credit pull, same-day detailed cost worksheets
- 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 means lower costs than retail banks; no lender fees on most loan programs; transparent closing cost estimates
- Service areas – Houston, Dallas, Austin, San Antonio, Corpus Christi, El Paso, Fort Worth, Arlington, Plano, and all 254 Texas counties
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers
Texas Mortgage Broker - Silver Mortgage Since 1981
Texas's 12 major metropolitan areas each have distinct real estate markets, mortgage considerations, and local factors that affect home financing.
Houston
Largest city in Texas with 2.3M+ residents, home to Port of Houston (#1 U.S. port by tonnage, 276M+ tons annually ), Texas Medical Center (world's largest medical complex with 106,000 employees), and Energy Corridor (26M+ square feet of office space, 50+ energy company headquarters). Fourth-largest city in the United States with 7.1M+ metro population. Median home price: ~$330,000.
San Antonio
Home to the only UNESCO World Heritage Site in Texas: San Antonio Missions (5 historic missions along a 7.7-mile stretch, attracting 1.2M+ visitors annually ). Features the 15-mile River Walk through downtown and serves as the #4 fastest-growing U.S. city (23,945 new residents 2023-2024). Second-largest city in Texas with 1.5M+ residents. Median home price: ~$300,000.
Dallas
Ninth-largest U.S. city with 1.3M+ residents, anchoring a DFW region with 22 Fortune 500 company headquarters including AT&T, American Airlines, Southwest Airlines, and Texas Instruments. The DFW Metroplex is home to 46 Fortune 1000 companies and 8M+ residents, making it the fastest-growing major metro in the United States. Median home price: ~$355,000.
Austin
"Silicon Hills" tech hub with 5,500+ startups and tech companies including Tesla, Apple, Oracle, and Google. State capital with 1M+ residents, home to University of Texas at Austin (52,000+ students ). Fastest-growing large city in the United States (2010-2020) with 21% population growth. Median home price: ~$550,000.
Fort Worth
Fifth-largest city in Texas with 980,000+ residents, known for Fort Worth Stockyards National Historic District (preserving Western heritage ) and Cultural District (5 world-class museums). Part of DFW Metroplex with strong aerospace, defense, and manufacturing sectors. Median home price: ~$320,000.
El Paso
Sixth-largest city in Texas with 680,000+ residents, located on the U.S.-Mexico border. Home to Fort Bliss (one of largest U.S. Army installations ) and Franklin Mountains State Park (largest urban park in the United States at 24,000+ acres). Major international trade hub. Median home price: ~$235,000.
Arlington
Seventh-largest city in Texas with 400,000+ residents, located between Dallas and Fort Worth. Home to AT&T Stadium (Dallas Cowboys ), Globe Life Field (Texas Rangers), and Six Flags Over Texas. Major entertainment and sports destination in DFW Metroplex. Median home price: ~$295,000.
Corpus Christi
Eighth-largest city in Texas with 320,000+ residents, located on Corpus Christi Bay along the Gulf Coast. Gateway to Padre Island National Seashore (longest undeveloped barrier island in the world ). Major port city and petrochemical hub. Median home price: ~$260,000.
Plano
Tenth-largest city in Texas with 290,000+ residents, home to multiple Fortune 500 company headquarters including AT&T (relocating global headquarters to Plano in 2026 ), Toyota North America, JCPenney, and Frito-Lay. Part of the Legacy District in North Dallas suburbs. Major business relocation destination. Median home price: ~$425,000.
The Woodlands
Master-planned community with 115,000+ residents, ranked #1 best place to live in Texas (2024 ) and #2 in the United States. Features 1.8-mile kayakable waterway, 220+ miles of forest trails, and 9 walkable villages including Sterling Ridge, Panther Creek, and Carlton Woods. Home to The Cynthia Woods Mitchell Pavilion (#1 outdoor amphitheater in the world by ticket sales). Preserves 28% of native forest. Median home price: ~$485,000.
Frisco
"Sports City USA" and #1 fastest-growing city in Texas, #3 in the nation (2024 ) with 220,000+ residents. Home to multiple professional sports team facilities and headquarters. Ranked most affordable, fastest-growing city (2025) and best place for families. Major corporate relocation destination in Collin County. Median home price: ~$550,000.
Lubbock
West Texas "Hub City" with 280,000+ residents, home to Texas Tech University (42,455 students, sixth-largest university in Texas ). Eleventh-largest city in Texas and second-largest west of Interstate 35. Attracts 5.5M+ visitors annually. Projected 7% population growth, offering affordable housing in West Texas. Median home price: ~$210,000.
❓ What If I’m Moving to Texas from Another State?
Relocating to Texas? Get pre-qualified for your new mortgage before you move.
Process: Apply online, get pre-qualified with a $0 mortgage application fee. Timeline: 21-30 days to close once you’re under contract.
Texas borrowers face unique mortgage considerations. Silver Mortgage provides specialized mortgage loan solutions for military VA mortgage benefits, challenges with self-employment documentation, high-equity cash-out refinance opportunities, and non-traditional financing for borrowers rebuilding after divorce or bankruptcy.
Silver Mortgage specializes in VA mortgage loans for Texas’s large active-duty military population, addressing the unique challenges military families face during PCS moves, including tight closing deadlines and the use of BAH for income qualification.
- Down Payment: 0%
- PMI: Not Required
- Closing Time: 21 to 30 days
- BAH Income: Accepted for Qualification
- Key Locations: Fort Cavazos (Killeen), Joint Base San Antonio, Naval Air Station Corpus Christi
For the 1.5 million self-employed workers in Texas, bank statement mortgage loans provide a qualification path without tax returns by using business bank deposits to verify income.
- Income Source: 12 to 24 months of bank statements
- Tax Returns: Not required
- Application Fee: $0
- Lender Access: 20+ competing lenders
Homeowners in Texas can access their home’s equity for various purposes. Texas state law limits cash-out refinance transactions to a maximum loan-to-value (LTV) of 80%.
- Maximum LTV: 80%
- Use of Funds: Home improvements, debt consolidation, or investment property down payments
- Closing Time: 21 to 30 days
- Lender Access: Over 20 competing lenders
Silver Mortgage solutions for borrowers in situations that traditional lenders may reject, including divorce, bankruptcy, or non-traditional income.
- Scenarios: Divorce buyouts, bankruptcy recovery (2-3 years)
- Income Types: Asset depletion, DSCR (investment property rental)
- Additional Options: HELOCs, renovation loans, land loans
Frequently Asked Questions: Texas Mortgage Loans
Find clear, authoritative answers to common questions about obtaining a mortgage loan in Texas. This section addresses topics such as closing timelines, home prices, and specific qualification requirements for self-employed individuals, military personnel, and borrowers with complex financial histories including bankruptcy or divorce.
? How long does it take to close and fund a mortgage loan in Texas?
The typical timeline for closing a mortgage loan in Texas is between 21 and 30 days, from application to funding. This duration can be influenced by the home appraisal, title processing, and mortgage underwriting review. Silver Mortgage facilitates coordination among all parties to ensure a transparent, streamlined mortgage process.
? What's the median home price in Texas?
Based on January 2026 data, median home prices in major Texas metropolitan areas vary widely. Representative home prices include Houston ($320,000), San Antonio ($285,000), Dallas ($375,000), and Austin ($550,000). Home prices in specialized markets like the Hill Country or Galveston follow different local home price trends.
? I'm self-employed. Can I get a mortgage in Texas?
Yes. For the more than 1.5 million self-employed workers in Texas, Silver Mortgage offers specialized mortgage loan programs. Bank Statement Mortgage Loans allow qualification based on 12 to 24 months of business bank statement deposits instead of tax returns, providing a clear path to homeownership for entrepreneurs.
? I'm stationed at Fort Cavazos or JBSA. How does VA BAH work with VA mortgages?
Lenders fully accept Basic Allowance for Housing (BAH) as qualifying income for VA mortgage loans. This allows active-duty military personnel in Texas to use their housing allowance to qualify for a home purchase with 0% down payment and no PMI. We understand the timelines of PCS orders and structure loans accordingly.
? Can I get a home mortgage after bankruptcy in Texas?
Yes, obtaining a mortgage after bankruptcy is possible. Qualification timelines, known as seasoning periods, vary by loan type. Generally, FHA mortgage loans require a 2-year waiting period after a Chapter 7 discharge, while some non-QM mortgage loans may have shorter waiting periods. We can review your specific situation and recommend possible mortgage options.
? What's the difference between a mortgage broker and a bank?
A bank or direct lender offers only its own proprietary loan products. A mortgage broker, like Silver Mortgage, partners with a wide network of wholesale lending institutions. This provides borrowers access to a greater variety of loan programs, pricing options, and underwriting niches with a single loan application and credit pull.
? I'm going through a divorce. Can I refinance my mortgage to remove my ex-spouse?
Yes. This is a common financing need known as a divorce buyout. We can structure a mortgage refinance that allows you to remove your ex-spouse from the property title and the existing mortgage loan, while potentially accessing home equity to divide marital assets as required by the divorce decree.
? I'm retired with assets but low income. Can I get a home mortgage?
Yes. For borrowers with significant assets but lower documented income, an Asset Depletion Mortgage Loan (or asset utilization mortgage loan) is a viable solution. This program calculates a qualifying monthly income stream from your retirement accounts, savings, or other liquid assets, enabling you to qualify for a home mortgage.
? Do you charge a mortgage application fee?
No. Silver Mortgage does not charge a mortgage application fee. Borrowers receive a same-day detailed mortgage cost worksheet and a mortgage pre-qualification with no upfront cost or obligation.
*Disclosure: Direct lending services 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). Steve Silver NMLS #100538170 (CO)
What Our Texas Clients Say About Silver Mortgage – Steve Silver
Here are 6 out of 307 verified reviews across Google, Zillow, Yelp, Facebook and Social Survey about Silver Mortgage – Steve Silver.
“We were selling our home and buying one. Meeting Steve and using his services became the most important step in the whole process. Steve and Robin are gems in this industry. The strenght of this company starts with strong communication, Steve is always providing detailed…”
“I’m an exclusive buyer’s agent, and one of my buyer was going through extreme frustration trying to find a lender. Most, if not all, the lenders she spoke with would give her false information or just disappear after quoting a really good rate. Then, the buyer gets in touch…”
“After working with national mortgage brokers on a past loans I decided to look for someone local. I signed up at Angie?s List and reviewed many of the companies listed in my area. My plan was to interview several companies based on qualities like good communication,…”
“I found Steve at Silver Mortgage Co. during an internet search of current re-fi interest rates. I had no intention of using a company I found on the internet BUT he emailed me immediately offered me the information I needed and tons of information I didn’t know I needed to…”
“We have completed a purchase of an existing home with Silver Mortgage and can say confidently that their 5 start reputation on other referral sites is very well deserved. We are beyond impressed with Steve Silver and his staff’s attention to detail, speed of execution and…”
“Securing a mortgage is one of the most important financial decisions a person will make in their lifetime. We were fortunate to find Steve Silver. He was tireless in his effort to help us refinance our home. Although our refinance was a very small transaction for him, Steve…”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to Get Your Texas Mortgage Rate Quote?
No upfront costs. No obligations. Local Texas mortgage lender – since 1981.
Popular Loan Programs in Texas
• 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