Silver Mortgage

08/27/2025

Everything Florida condo buyers need to know about HB 913 law changes in 2025. New safety inspections, reserve funding requirements, and management oversight rules explained.

Complete guide to Florida HB 913 condo law changes 2025. New safety requirements, reserve funding rules, and what buyers need to know before purchasing.

08/23/2025

🏠 Big news for Texas homebuyers! Starting September 1, 2025, Texas SB 140 protects you from unwanted mortgage marketing texts with real penalties of $500-$5,000 per violation. Finally, you can shop for a mortgage without harassment from trigger lead companies.
Read more: https://www.stevesilvernow.com/new-texas-sms-rules-what-you-need-to-know-about-texas-sb-140-when-getting-a-mortgage/

Texas SB 140 gives mortgage borrowers in Texas new SMS privacy protection starting September 1, 2025, with $500-$5,000 penalties.

08/21/2025

📞 Is your phone ringing nonstop after applying for a mortgage in Houston?

You're not going crazy! Here's what's really happening...

Credit companies are literally selling your personal info to other lenders within HOURS of your application. It's called "trigger leads" and yes, it's legal (for now).

😤 Frustrating? Absolutely.

✅ Fixable? YES! Congress just passed a new law (H.R. 2808) that will stop this madness in 2026.

But you don't have to wait - there are things you can do RIGHT NOW to protect yourself.

👇 Read our complete guide to stopping unwanted mortgage calls:

https://www.stevesilvernow.com/why-am-i-getting-so-many-calls-after-applying-for-a-mortgage-in-houston/

At Silver Mortgage, we've NEVER sold client information and never will. Your privacy matters! 🛡️

Getting bombarded with calls after applying for a Houston mortgage? You're not alone. Learn why credit companies sell your info and how H.R. 2808 will stop trigger leads in 2026.

04/08/2025

Scott Bessent, known for "breaking the pound" in 1992, is now the Treasury Secretary and is working to strengthen the US dollar (and lower interest rates).

If you want to know where mortgage rates are going, then:
💰 Forget the Fed...pay attention to Bessent.

Scott Bessent is a former protégé of Stanley Druckenmiller, best known for his role in the 1992 "Breaking of the Pound and the Bank of England."

02/05/2025

https://www.stevesilvernow.com/what-is-a-fico-score/

A FICO score is a three-digit number that shows how likely you are to repay debt.

01/31/2025

🏡 Looking for affordable places to live near Texas' major cities? Discover 10 sleeper cities that offer charm, affordability, and easy access to urban hubs like Austin, Dallas, and Houston! 🌟

👉 Read more:

affordable sleeper cities in Texas near Austin, Dallas, Houston, and San Antonio. Perfect for homebuyers seeking charm and affordability in 2025.

01/30/2025

🏠 Alternative Housing Solutions are tackling challenges like labor shortages, rising costs, and sustainability in the housing industry. Discover seven innovative options and how they’re shaping the future of housing:

Alternative Housing Solutions can help you find creative ways to own a home, from ADUs to co-buying and prefab homes. Explore your options and build smarter!

01/28/2025

🚐 Planning to park your camper van or truck with a camper shell? Many garages aren’t built for these taller vehicles.

Discover 7 essential tips to make sure your garage fits—or explore alternative solutions!

👉 Read more: https://www.stevesilvernow.com/garage-height-for-camper-vans/

Learn the ideal garage height for camper vans and pickup trucks with camper shells. Discover storage solutions, garage modifications, and parking tips to protect your adventure vehicle. Perfect for van life enthusiasts and truck owners!

01/23/2025

🌟 Abilene, Texas: A City on the Rise! 🌟

Did you know Abilene is becoming one of the hottest real estate markets in 2024? 🏡 With a $500B AI "Stargate Project" transforming the city and affordable housing prices (median home price: $235K, up 9.3% YoY), now is the time to explore this hidden gem!

📊 Quick Facts:

Average rent: $1,255 (vs. $1,983 nationally)
Employment up 1.98% with 59,625 jobs added 📈
710 homes for sale, inventory down 3.8% MoM

Whether you're buying, selling, or investing, Abilene is the place to watch! Learn more here: 👉

Explore the booming Abilene Texas real estate market in 2024, from affordable housing to the $500B AI Stargate Project transforming the city’s future.

01/22/2025

NOTE: There have been MAJOR changes this year impacting the content of this article. Contact us for details.

🚨 Attention Homebuyers! Big news for anyone with medical debt: Starting March 2025, medical collections will no longer appear on credit reports under new CFPB rules. 🙌 But here’s the catch—those debts can still impact your mortgage through your debt-to-income (DTI) ratio. 🏡

Want to know how this affects your homebuying plans? Check out our latest article for all the details: https://www.stevesilvernow.com/medical-collections-and-mortgages/

We’re here to help you navigate these changes and get you closer to your dream home! 💼✨

Discover how medical collections and mortgages will affect homebuyers in 2025 with new CFPB rules changing credit report impacts.

01/17/2025

🏡 Thinking of Buying a Home or Refinancing? 💰
Discover how the Federal Housing Finance Agency (FHFA) is working behind the scenes to make homeownership more affordable and protect homeowners like YOU! 🏠✨

👉 In our latest article, we break down:
✅ How the FHFA keeps mortgages affordable 💵
✅ Programs for first-time homebuyers 👫
✅ Refinancing options to save you money 📉
✅ Protections during financial hardships 🤝
✅ Disaster relief for homeowners 🌪️

The Federal Housing Finance Agency (FHFA) oversees Fannie Mae, Freddie Mac, and the Federal Home Loan Banks, ensuring stability, affordability, and access to

01/07/2025

In Homestead, Florida, there's a structure called Coral Castle, built single-handedly by Edward Leedskalnin over 28 years. It's made of over 1,100 tons of coral rock, and the mystery of how one man moved and carved these massive stones with primitive tools still intrigues many.

photo source: Michelle Raponi