NMLS #360472 (TX) #314817 (TX) #70160 (TX) #LO91968 (FL) #100538170 (CO)
Texas Mortgage Broker
Since 1981
Silver Mortgage
Steve Silver – Silver Mortgage – Secure Mortgage Company
Serving Texas, Florida & Colorado
Since 1981
Texas: Houston • Dallas • Austin • San Antonio • El Paso
Colorado: Denver • Colorado Springs • Longmont • Breckenridge • Salida • Durango • Grand Junction
Florida: Tampa • St. Petersburg • Orlando • Miami • Fort Lauderdale
We make lenders compete for your business, so you get a better rate.
✓ One Application, One Credit Pull protects your credit score.
✓ No Upfront Costs or Obligations so you can shop around stress-free.
✓ Since 1981—Helping Homeowners & Homebuyers with low rates and great service.
Since 1981
Since 1981
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Serving TX, CO, FL
Residential and Commercial
20+ Wholesale Lenders
We make lenders compete for you
5.0 Rating
From actual verified customer reviews
3 States, 100+ Cities
Texas, Colorado & Florida
Silver Mortgage is different. We’re an independent mortgage broker working for you.
And unlike many, we’ve been around since 1981 with many years of verifiable top reviews.
Our job is to work for you, shopping dozens of lenders and making them compete for your business. This ensures you get a competitive rate and the right loan for your financial goals, not just the one they want you to take.
We’ll give you multiple options ranging from fixed rates to adjustable rates. With lender credits or with rate buy downs.
We’ll provide you with unbiased pros and cons for each and then you decide which is best for you.
| Feature | ✅ Silver Mortgage – Steve Silver | ❌ Big Banks & Mortgage Lenders |
|---|---|---|
| Loan Options | We shop dozens of lenders to find the perfect loan for you. | Limited to only their own handful of loan products. |
| Interest Rates | We make lenders compete, driving your rate down. | You get one rate offer—take it or leave it. |
| Who We Work For | You. Our success depends on your satisfaction. | The bank. They operate for their shareholders. |
Three Simple Steps to Your Best Rate
Since 1981
It all starts with you and your goals.
Get your Free Quote
No Upfront Costs
No Obligations
No Annoying Call Centers
Texas based since 1981
Mortgage Options
As an independent broker, we offer you a wide range of mortgage rates and loan programs from multiple wholesale lenders to find the perfect fit for you.
One application and multiple options for you to choose from.
Fast Closing Process
You'll have direct access to your loan processor with timely updates from application to closing day. 100% transparency and Privacy-Focused.
Texas, Colorado, Florida
Trusted by 5-Star Homeowners Across Texas, Colorado and Florida
Texas
Regions:
Houston - Dallas - San Antonio - Austin
From Houston to Dallas to the Hill Country, we help Texans secure competitive rates on home purchases and refinances.
Florida
Regions:
Tampa Bay - Orlando - Ft Lauderdale
From the Gulf Coast to the Atlantic, we make Florida home loans simple and stress-free for buyers and homeowners.
Colorado
Regions:
Denver - Colorado Springs - Mountains - Western Slope
From Front Range energy to Mountain Town charm, we deliver low mortgage rates to homebuyers + homeowners.
Whatever Your Situation, We've Got You Covered
First-Time Homebuyer
Buying your first home? We'll guide you through every step, from pre-approval to closing. Access special programs with low down payments, including FHA loans (3.5% down), conventional loans (3% down), and VA loans (0% down for veterans).
Refinancing
Lower your interest rate, reduce your monthly payment, or tap into your home's equity. We compare rates from dozens of lenders to find you the best refinance deal. Most refinances close in 20-30 days with no upfront costs.
Buying Your Next Home
Moving up, downsizing, or relocating? We make buying your next home seamless with competitive rates and flexible loan options. Whether you're selling first or buying before you sell, we'll structure the right financing strategy for your situation.
Real Estate Investor
Finance investment properties with flexible loan programs designed for investors. We offer conventional investment loans, DSCR (Debt Service Coverage Ratio) loans with no income verification, and portfolio loans for multiple properties. Build your real estate portfolio with competitive rates.
Self-Employed
Self-employed borrowers face unique challenges with traditional lenders. We offer bank statement loans, P&L-only programs, and other flexible documentation options that focus on your actual cash flow, not just tax returns. Get approved with the income documentation that works for you.
Military and Veterans
Thank you for your service. VA loans offer 0% down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses. We're experienced with VA financing and make the process smooth and stress-free. You've earned these benefits—let's put them to work.
Vacation/Second Home
Finance your dream vacation home or second residence with competitive rates and flexible terms. Whether it's a mountain cabin, beach house, or investment property you'll use personally, we offer specialized financing for second homes with down payments as low as 10%.
Foreign Nationals
Non-U.S. citizens can qualify for home loans in Texas, Colorado, and Florida. We work with lenders who specialize in foreign national mortgages, offering financing for primary residences, vacation homes, and investment properties.
Jumbo Loans
Financing luxury homes or properties above conventional loan limits? Jumbo loans offer competitive rates for high-value properties. We shop multiple jumbo lenders to find you the best terms, with loan amounts up to $5 million or more in select markets.
Home Equity and HELOCs
Tap into your home's equity with a Home Equity Line of Credit (HELOC) or home equity loan. Use funds for renovations, debt consolidation, or major expenses. Access competitive rates with flexible repayment terms and potential tax benefits.
Renovation-Construction
Finance your home purchase and renovation costs in one loan with FHA 203(k), Fannie Mae HomeStyle, or construction-to-permanent financing. Perfect for fixer-uppers, major remodels, or building your dream home from the ground up.
FHA - VA
Government-backed loans offer low down payments and flexible credit requirements. FHA loans require just 3.5% down, while VA loans offer 0% down for veterans. Both programs provide competitive rates.
Lower your rate and save thousands over the life of your loan.
We shop the market to get you a great rate—with no upfront fees and no obligation.
Fill out the form and we'll reach out within 24 hours.
I had an excellent experience working with Steve Silver from start to finish, they made the mortgage process smooth and stress-free. Steve and his assistant were always available to answer questions, explained every step clearly, and ensured I got the best rate possible.
Their professionalism and genuine care for their clients truly stood out. I highly recommend Steve to anyone looking for a trustworthy and knowledgeable mortgage officer.
Jin Sook Kim via Google
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Check out the blog at www.SteveSilverNow.com for Texas, Colorado & Florida mortgage, real estate and financial information that you won’t find anywhere else.
Frequently Asked Questions
What is a mortgage broker?
We shop dozens of lenders to find you the best rate and terms.
We are licensed mortgage professionals serving Texas, Colorado, and Florida (NMLS #360472, #314817, #71060, #LO91968, #100538170 ) and work with dozens of wholesale lenders. This means we can compare rates from multiple sources to find you the best deal.
How much does a mortgage broker cost?
Broker compensation is lender-paid or borrower-paid—we show you both options upfront.
At Silver Mortgage, we provide transparent disclosure of all costs. 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’ll explain both options and help you choose what’s best for your situation. There are no hidden fees, and you’ll know exactly what you’re paying before you commit.
What states and cities do you serve?
We serve Texas, Colorado, and Florida, including all major cities and surrounding areas.
In Texas, we serve Houston, Dallas, Austin, San Antonio, Fort Worth, and surrounding areas. In Colorado, we serve Denver, Colorado Springs, Pueblo, Boulder, Fort Collins, Grand Junction, Durango and all Mountain communities. In Florida, we serve Tampa, Orlando, Miami, Fort Lauderdale, Jacksonville and the entire Gulf Coast.
How many times will my credit be pulled?
We pull your credit once to access dozens of lenders—no multiple inquiries.
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, saves you time and stress, and provides a range of mortgage options to choose from.
Are you a broker or a direct lender?
We’re both a broker and a direct lender—giving you more options with one credit pull.
As a broker, we access dozens of wholesale lenders. As a direct lender, 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.
Silver Mortgage also arranges commercial, multi-family, construction, and land loans in Texas, Colorado, and Florida.
How long does it take to close your mortgage in Texas, Florida or Colorado?
Most loans close in 21-45 days, with faster closings available.
30 days is typical, and “rushes” are available if you need to close faster. You’ll have local access to us, including direct access with your loan processor assigned to your loan.
Does it cost anything to apply or get a quote?
No upfront costs, no obligation—get your free quote today.
We encourage you to shop around and compare our rates and service. You’ll receive a detailed Loan Estimate within 3 business days showing all costs, and you can decide if it’s the right fit for you. We want you to feel confident in your choice.
We’re confident in our ability to find you competitive rates and provide exceptional service. That’s why we make it easy to get a quote with no pressure. You’ll receive a detailed Loan Estimate within 3 business days showing all costs, and you can decide if it’s the right fit for you. We want you to feel confident in your choice.
What mortgage company will originate my loan?
All loans are originated through Secure Financial Services, Inc. (NMLS #70160).
Steve Silver is your licensed loan originator in all three states: Texas (NMLS #314817), Colorado (NMLS #100538170), and Florida (NMLS #LO91968).
Silver Mortgage Funding Group, LLC (NMLS #360472), a licensed Texas mortgage company.
Both entities are fully licensed and regulated to ensure your home loan is handled professionally and in compliance with all state regulations.
Can I get a mortgage from you in Texas, Colorado or Florida?
We make it easy to pre-qualify for a mortgage in Texas, Colorado, and Florida. 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, 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.