The Woodlands Mortgage & Refinance - Silver Mortgage
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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 The Woodlands, 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 serving The Woodlands – Since 1981 with experience in energy sector relocations (ExxonMobil, Chevron, Occidental Petroleum), medical professionals (Houston Methodist The Woodlands, St. Luke’s Health), and jumbo mortgage financing in Carlton Woods ($1M+ homes)
- $0 mortgage application fee, $0 upfront costs – Silver Mortgage access to 20+ wholesale mortgage lenders with one credit pull, same-day mortgage pre-qualfication 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 costs
- Service areas – The Woodlands villages (Creekside Park, Carlton Woods, Panther Creek, Indian Springs, Grogan’s Mill), Spring, Harris and Montgomery County
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers
❓ Moving to The Woodlands?
The Woodlands Mortgage FAQs
Concise mortgage insights for The Woodlands, Texas
❓ How is a mortgage refinance evaluated?
We calculate the break-even point by comparing monthly savings against closing costs. This determines the exact timeframe required for the new loan to pay for itself.
❓ Can a cash-out refinance consolidate high-interest debt?
Yes. Homeowners use equity to pay off unsecured liabilities. This moves high-rate debt into a lower-rate mortgage position to improve monthly cash flow.
❓ Can I qualify for a mortgage with a corporate relocation offer letter?
Yes. Signed employment agreements for local energy or medical roles allow for qualification before your start date based on the contract’s guaranteed compensation.
❓ How does a cash-out refinance differ from a HELOC?
A cash-out refinance is a new fixed-rate primary mortgage that replaces your current loan. A HELOC is a secondary, variable-rate line of credit.
❓ Should I finance or pay cash when downsizing to a smaller home?
This is a liquidity decision. Many clients choose a low-LTV mortgage to keep capital in higher-yield investments rather than tying up all cash in home equity.
❓ Can a refinance remove a co-borrower from the mortgage?
A refinance removes the person from the debt obligation. Note: Texas community property laws may still require them to remain on the Deed of Trust.
❓ Is a full appraisal required for a Woodlands refinance?
Not always. Specific loan-to-value ratios or automated underwriting findings often qualify for appraisal waivers, reducing costs and accelerating the closing process.
❓ Can I use retirement assets to qualify for a mortgage?
Yes. Asset depletion lending calculates qualifying income based on 401(k), IRA, or brokerage account totals rather than traditional W-2 salary requirements.
❓ What are the requirements for a Jumbo loan in The Woodlands?
Jumbo loans are required for amounts exceeding conforming limits. We provide these for high-value properties using wholesale rates and specialized underwriting for complex profiles.
❓ Why use a local specialist for a Texas refinance?
Texas 50(a)(6) laws strictly govern cash-out equity loans. We manage these state-specific legalities and local processing timelines to ensure compliant funding.
*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.
“This was a wonderful experience for my husband and I. We purchased our new home with the help of Steve Silver. Let me just say, he went above and beyond all expectations I had set for buying a home. He analyzed all of our information thouroughly and was very educated in his…”
“The most difficult thing in this entire exercise for me was the delivery of this … The most difficult thing in this entire exercise for me was the delivery of this … I have purchased or refinanced homes over 10 times, and this one was without question the easiest. Steve…”
“From March 2015 through August 2025, I’ve had the pleasure of working with Steve and the incredible team at Silver Mortgage across three home financing experiences, and each one has been professional, and reassuring. Steve brings a depth of knowledge in the finance and…”
“If there was an A+++ rating, we would definitely give Steve and his team a higher rating. From the moment I contacted Steve, he was very responsive. We had a rate quote the same day. Despite our concerns regarding my husband’s gap in employment (employment gap of over a year…”
“Steve worked tirelessly to find a solution. Steve worked tirelessly to find a solution. On Feb. 29th I started working with Steve Silver on a refi of my home. I am certain that my 140k loan is one of the smallest that he has dealt with. The last 3+ months have been…”
“I hope not all of their clients have as many questions as I did in the process, … I hope not all of their clients have as many questions as I did in the process, … We have completed the purchase and can say confidently that Silver Mortgage’s five star reputation is well…”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
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No upfront costs. No obligations. Local The Woodlands, Texas mortgage lender – since 1981.
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Popular Loan Programs in The Woodlands
• 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