The Woodlands Mortgage Broker
Silver Mortgage - Steve Silver
TL;DR: Silver Mortgage is a Texas-licensed mortgage broker and direct mortgage lender serving homebuyers and homeowners in The Woodlands since 1981.
We shop 20+ wholesale lenders to find you competitive home loan rates with a single application and credit report.
"We Make Lenders Compete for Your Business, So You Get a Better Rate"
✓ One Application, One Credit Pull. We protect your credit score.
✓ No Upfront Costs
✓Serving Homeowners in The Woodlands Since 1981
Alden Bridge Cochran’s Crossing College Park Creekside Park Grogan’s Mill Indian Springs Panther Creek Sterling Ridge Town Center
Since 1981, Silver Mortgage has helped homebuyers and homeowners get competitive mortgage rates across The Woodlands.
No upfront costs to apply, no-obligation quotes, and no pressure.
We work for you and your needs. You’ll get a competitive rate and a low-stress process.
Most of our clients are repeat clients and their referrals since we opened up in 1981.
Whether you’re buying your first home in Creekside Park, a townhome in Town Center, or refinancing in Panther Creek, we’re here to help you with a low-cost, competitive-rate mortgage In The Woodlands.
Why Choose Silver Mortgage in The Woodlands?
Silver Mortgage is a Texas-licensed mortgage broker and direct mortgage lender serving The Woodlands, Texas. We shop 20+ wholesale lenders to find you competitive mortgage rates in The Woodlands and the right loan program—all with one application and one credit pull.
The Woodlands
Since 1981
Purchase Loans - Refinance - Home Equity
5.0 Rating
From actual verified customer reviews
20+ Wholesale Lenders
We make lenders compete for you
Free Mortgage Quote
Get a transparent rate quote that includes all local costs, like MUD and Township taxes, so you know your true monthly payment in The Woodlands.
The Woodlands
We shop dozens of lenders to find the perfect loan for your home in The Woodlands, from conventional and FHA to jumbo loans for luxury properties.
Fast Closing Process
Our local expertise in The Woodlands means we navigate title and survey requirements efficiently, helping you close on time, every time.
Buying or Refinancing in The Woodlands?
Whether you’re buying or refinancing a home in The Woodlands, Texas, two significant financial considerations you might not be aware of are MUD (Municipal Utility District) taxes and The Woodlands Township tax.
For purchase transactions, these costs can add hundreds per month to your housing payment in addition to typical property taxes and homeowners insurance. They must be factored into your lender’s Debt-to-Income (DTI) ratio.
For refinances, understanding these costs helps ensure you get accurate payment estimates and maximize your savings.
MUD taxes fund essential infrastructure, such as water, sewage, and drainage systems, in master-planned communities throughout The Woodlands.
Depending on which village your home is in—whether it’s Sterling Ridge, Panther Creek, or Creekside—MUD tax rates can add hundreds or more to your monthly or annual payments.
The Woodlands Township tax replaced traditional HOA fees and currently sits at $0.1889 per $100 of home valuation (2025). These taxes fund amenities such as pools, parks, landscaping, and covenant enforcement, managed by The Woodlands Township.
On a $400,000 home, that’s approximately $756 per year, or about $63 per month (2025).
Unlike HOA fees, this township tax may be fully tax-deductible on your federal income taxes.
At Silver Mortgage, we calculate these costs into your total monthly housing expense from day one—whether you’re buying your first home, upgrading to a larger property, or refinancing to lower your rate.
This ensures you’re qualified for the right loan amount and helps you avoid surprises during underwriting.
Many homeowners are unaware that MUD taxes and Township fees must be included in their lender’s qualification calculations.
Understanding the actual cost of homeownership in The Woodlands—including property taxes, MUD district fees, and township tax—is essential for making an informed decision.
Silver Mortgage is a local mortgage company and here to walk you through every detail, whether you’re buying or refinancing your home in The Woodlands, Texas.
As your local Woodlands mortgage broker, Silver Mortgage has deep expertise in financing homes across all villages and neighborhoods throughout The Woodlands and Montgomery County.
Sterling Ridge
Sterling Ridge is one of The Woodlands’ most established neighborhoods, featuring mature trees, excellent schools, and a strong sense of community. Homes here typically range from $300,000 to $800,000, with MUD tax rates varying by specific location within the village.
Panther Creek
Panther Creek offers a mix of single-family homes and townhomes with convenient access to The Woodlands Mall and I-45. This family-friendly neighborhood features parks, pools, and highly-rated schools. We help buyers navigate the specific MUD district fees associated with Panther Creek properties.
Creekside Park
Creekside Park is one of The Woodlands’ newer villages, offering modern homes with contemporary designs. The neighborhood features extensive trails, parks, and proximity to The Woodlands Waterway. As your Woodlands mortgage broker, we calculate all township and MUD fees for Creekside properties upfront.
Cochran's Crossing
Cochran’s Crossing is centrally located with easy access to shopping, dining, and entertainment. This established neighborhood offers a range of home styles and prices, making it popular with both first-time buyers and move-up buyers.
Alden Bridge
Alden Bridge features some of The Woodlands’ most desirable properties, with homes backing to golf courses and nature preserves. We specialize in financing both conventional and jumbo loans for Alden Bridge’s higher-value properties.
Whether you’re buying in Sterling Ridge, Panther Creek, Creekside, or any other Woodlands neighborhood, Silver Mortgage provides expert guidance on local property taxes, MUD fees, and township costs that impact your monthly payment.
Other Villages in The Woodlands
Silver Mortgage serves homebuyers and homeowners with mortgage products in all of The Woodlands villages.
Grogan’s Mill, established in 1974, was The Woodlands’ first village and features some of the largest lots, including one-acre homesites and The Woodlands Resort with three championship golf courses.
Indian Springs is the smallest village with 2,200 homes and the only one with rolling hills.
College Park, near Lone Star College, is the only village east of I-45.
Town Center is The Woodlands’ urban core, with 1,000 acres of shopping, dining, and entertainment, and features lofts, townhomes, and condominiums near The Woodlands Waterway.
Carlton Woods is the premier luxury gated community with custom estates from $800,000 to over $3 million and two world-class golf courses designed by Jack Nicklaus and Tom Fazio.
The Woodlands FAQs
What is a mortgage broker?
A mortgage broker works with multiple lenders to find competitive rates and terms, unlike banks that offer only their own products.
We are licensed mortgage professionals serving The Woodlands and Montgomery County (NMLS #360472, #314817, #70160) and work with dozens of wholesale lenders. We’re also a “direct lender.”
This means we can compare rates from multiple sources to help you find the best deal for your home loan in The Woodlands with just one credit report.
How much does a mortgage broker cost in The Woodlands?
Mortgage broker compensation in Texas can be lender-paid or borrower-paid, but not both. We provide transparent disclosure upfront.
At Silver Mortgage, you’ll receive a detailed Loan Estimate within 3 business days showing whether compensation is lender-paid (built into your rate) or borrower-paid (paid at closing). We offer both options upfront, along with Non-Delegated Correspondent (“direct mortgage lender”) options, to provide you with the most choices. We’ll explain both and help you choose what’s best for your home loan in The Woodlands.
There are no hidden fees, and you’ll know exactly what you’re paying before you commit.
What neighborhoods do you serve in The Woodlands?
Silver Mortgage serves all villages and neighborhoods in The Woodlands.
These include Sterling Ridge, Panther Creek, Creekside Park, Cochran’s Crossing, Alden Bridge, College Park, Grogan’s Mill, Indian Springs, Town Center, and Carlton Woods. We also serve Spring, Tomball, Magnolia, Conroe, and all surrounding Montgomery County communities.
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 The Woodlands.
You can access multiple wholesale lenders along with our NDC (non-delegated correspondent) loan options (“direct lender”) using a single credit pull. This helps protect your credit score, saves you time and stress, and provides a range of mortgage options to choose from for your home loan in The Woodlands.
Are you a broker or a direct lender in The Woodlands?
Silver Mortgage is both a mortgage broker and a direct lender in The Woodlands, giving you more loan options with just one credit pull.
As a broker, we access dozens of wholesale lenders. As a direct lender through our non-delegated correspondent lending, we can also fund loans directly in-house.
This dual capability means you get the best of both worlds: maximum loan program options, competitive pricing, and faster closings when needed. Most companies are either a broker OR a lender—we’re both, which gives you more choices and better rates for your mortgage in The Woodlands.
Silver Mortgage also arranges commercial, multi-family, construction, and land loans throughout The Woodlands and Montgomery County.
How long does it take to close a mortgage in The Woodlands?
Most purchase and refinance loans in The Woodlands close in 21-45 days. 30 days is typical, and rush closings are available if needed.
You’ll have local access to us in The Woodlands, including direct contact with your loan processor.
We understand Woodlands closing requirements, MUD district documentation, Township tax calculations, and flood zone certifications, and work efficiently to meet your timeline whether you’re buying in Sterling Ridge, refinancing in Panther Creek, or investing in Creekside Park.
What mortgage programs are available in The Woodlands?
Borrowers in The Woodlands have access to FHA, VA, conventional, jumbo, USDA, renovation, and Texas cash-out refinance programs.
We offer all major loan programs for The Woodlands homebuyers and homeowners: FHA loans (3.5% down), VA loans (0% down for veterans), conventional loans (as low as 3% down), jumbo loans for high-value properties in The Woodlands, USDA loans for rural areas outside The Woodlands, FHA 203(k) and HomeStyle renovation loans, and Texas cash-out refinancing (up to 80% LTV under Texas law).
We also specialize in loans for self-employed borrowers, real estate investors, and foreign nationals buying property in The Woodlands. Our expertise in The Woodlands includes understanding MUD tax implications and Township fee calculations.
What mortgage company will originate my mortgage in The Woodlands?
All mortgage loans in The Woodlands are originated through Secure Financial Services, Inc. (NMLS #70160) or Silver Mortgage Funding Group, LLC (NMLS #360472).
Steve Silver is your licensed loan originator in The Woodlands (NMLS #314817). Secure Financial Services, Inc. (NMLS #70160) is a licensed mortgage company. Silver Mortgage Funding Group, LLC (NMLS #360472) is a licensed Texas mortgage company. Both entities are fully licensed, registered and regulated to ensure your home loan in The Woodlands is handled professionally and in compliance with all Texas regulations.
Can I get a mortgage in The Woodlands?
We make it easy to pre-qualify for a mortgage in The Woodlands. The qualification process is straightforward.
You’ll need basic income and employment documentation, such as pay stubs, W-2s or tax returns (if self-employed), bank statements, and credit authorization. We walk you through the entire process step-by-step, whether you’re a first-time homebuyer in The Woodlands, self-employed, or have unique financial circumstances.
Check out the blog at www.SteveSilverNow.com for Texas mortgage, real estate and financial information that you won’t find anywhere else.
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