Wholesale Mortgage Broker Silver Mortgage - Since 1981
Texas, Colorado, and Florida Mortgage Origination.
Competitive Mortgage Rates. On-Time Mortgage Closings. Fast Mortgage 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, Colorado, and Florida Mortgage Origination.
Competitive Mortgage Rates. On-Time Mortgage Closings. Fast Mortgage 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 of experience – Licensed mortgage broker serving Texas, Colorado, and Florida since 1981 with local expertise in Houston, Dallas, Austin, Denver, Colorado Springs, Miami, Tampa, and Orlando
- $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 could mean lower costs than retail banks; no lender fees on most loan programs; transparent closing cost estimates
- Service areas – Texas (all 254 counties), Colorado (Denver metro, Colorado Springs, Fort Collins, Boulder), Florida (Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale)
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers
Texas
Regions:
Houston - Dallas - San Antonio - Austin
From Houston to Dallas to the Hill Country, we help Texans secure competitive mortgage 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 homebuyers and homeowners.
Colorado
Regions:
Denver - Colorado Springs - Mountains - Western Slope
From Front Range energy to Mountain Town charm, low mortgage rates to homebuyers + homeowners.
Silver Mortgage Loan Programs for Every Borrower Type
Silver Mortgage specializes in mortgage programs for borrowers 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, we have mortgage loan programs designed for your situation.
First-Time Homebuyer Mortgage
FHA mortgage (3.5% down), VA mortgage (0% down), Conventional mortgage (3% down).
Learn More →Refinancing Your Mortgage 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 With A Mortgage
Mortgage financing for your next home purchase, whether you are moving up, downsizing, or relocating.
Learn More →Real Estate Investor Mortgage
DSCR mortgage loans, portfolio mortgage loans, and mortgage programs that do not require income verification.
Learn More →Self-Employed 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 →Mortgage Strategy & Equity FAQs
Professional lending insights for Texas, Florida, and Colorado homeowners since 1981.
❓ How does a mortgage broker differ from a retail bank?
Retail banks only offer their own proprietary products. As a mortgage broker, we access 20+ wholesale lenders with one credit pull, allowing us to source the most competitive rate and term for your specific financial profile.
❓ Can I qualify for a mortgage without tax returns?
Yes. Our bank statement programs allow self-employed borrowers to qualify using 12 or 24 months of business deposits. This calculates income based on actual cash flow rather than net taxable income.
❓ Do you offer mortgage pre-qualification for out-of-state relocations?
Yes. We manage remote approvals for professionals moving to Texas, Florida, or Colorado. We can use signed corporate offer letters to verify income before your first day of work.
❓ Can I use my 401(k) or IRA to qualify if I am retired?
Yes. Asset depletion lending converts your total liquid assets into monthly qualifying income. This is a primary strategy for retirees and snowbirds relocating to tax-friendly states.
❓ What are the primary benefits of a VA mortgage?
VA loans offer 0% down payments and no monthly mortgage insurance (PMI). We specialize in military PCS timelines and accept Basic Allowance for Housing (BAH) as qualifying income.
❓ Can I use home equity to pay off high-interest debt?
Yes. A cash-out refinance allows you to access home equity to consolidate unsecured debt into a single, lower-rate mortgage payment, significantly increasing monthly cash flow.
❓ Does Silver Mortgage charge upfront application fees?
No. We charge a $0 application fee and provide same-day cost worksheets. Third-party fees like appraisals are paid directly to vendors with no markups.
🔍 Myth Debunked: “I Need 20% Down to Buy a Home“
Reality: Many homebuyers in Texas, Colorado, and Florida can qualify for mortgage loans with as little as 3% down. For example, conventional mortgage loans are available with as little as 3% down, and FHA mortgage loans with as little as 3.5% down. For eligible veterans and active-duty military, VA mortgage loans offer a 0% down payment option. $0 mortgage application fee.
🔍 Myth Debunked: “I Need Perfect Credit to Get a Mortgage”
Reality: You do not need perfect credit to secure a mortgage. FHA mortgage loans can accept credit scores as low as 580, and conventional mortgage loans typically require a score of 620 or higher. VA mortgage loans have no official minimum credit score requirement. Silver Mortgage uses a single credit pull to access over 20 wholesale mortgage lenders. $0 mortgage application fee.
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.
“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…”
“He held the deal together and did what it took to get it closed. He held the deal together and did what it took to get it closed. If you buying a home or otherwise in the market for a mortgage do yourself a favor and call Steve Silver. I do not think I can adequately put into…”
“I will recommend him to everyone that I encounter on this planet that is shopping … I will recommend him to everyone that I encounter on this planet that is shopping … Steve Silver is the reason my family got the home of our dreams. I will recommend him to everyone that I…”
“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…”
“With all the bad publicity regarding mortgage lenders and who is trustworthy and who is not, I was concerned about finding a lender we could trust. Luckily I found Steve on multiple review websites with outstanding feedback. From the moment I called Steve he has been there….”
“Always a great experience Always a great experience 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…”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to See Your Mortgage Rate Quote?
No upfront costs. No obligations. Local Texas, Colorado, and Florida mortgage company – since 1981.
