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A native Austinite, Silvia began her career as a mortgage loan originator in 2001 shortly after graduating from the University of Texas.  Since then she has helped thousands of individuals and families across Texas with their mortgage lending needs.  With each new client relationship, Silvia’s primary goal is to gain their trust and respect by providing them with the information necessary to make well-informed decisions that parallel their short and long-term goals. 


In speaking with Silvia, it’s clear that she truly loves her profession.  Her favorite aspects of the job are creating long-lasting relationships with clients, meeting new people every day and evolving along with the ever-changing mortgage market.  100% of her business is derived from former client and realtor referrals, which underscores her dedication to providing stress-free and on-time closings with anticipated costs and terms. 


Silvia is experienced with all types of buyers, properties and loan programs including but not limited to:



-Conventional, Jumbo, FHA, VA, Texas Vet and USDA loan programs to assist home buyers with financing.

-Use mortgage financing for purchase of primary residence, second home (aka vacation home) or investment property



-Used to reduce payment, interest-rate and/or loan term (i.e. 30 to 15 year) on existing loan(s).

-Primary residence, second home, or investment property can be refinanced.


Cash-out refinances

-Allows home owner to pull equity out of a home that they own.

-Primary, second home, or investment property can be used as collateral for cash-out refinance loan.



Silvia is an active member of the Junior League where she has enjoyed volunteering for Coats for Kids, A Christmas Affair and Camp Bluebonnet.  She’s also a loyal supporter of the Ronald McDonald House Charities of Central Texas.  She lives in north central Austin with her husband Scott, daughter Eva and crazy but lovable Labrador Ace.









“A month ago I lost my rental and wasn’t sure where my son and I were going to find another rental, when Silvia said I could buy and she would make it happen.  I was hopeful but skeptical.  Here I am a month later with a perfect home for both of us in an amazing school district and I have you to thank.  Thanks for giving me a chance.  Thanks for making it all work out.  Just thank you.  You make people’s dreams come true, please don’t forget that.:  Rob P.


“From my first interaction with Silvia to my last, she went above and beyond to answer questions & support me.  She was available whenever I needed her and was both professional but also personally committed to making my home purchase a success.”  Meg P.


“Silvia was exceptionally patient and did an incredible job of educating and

coaching me through the process as a first time buyer.” Miranda J.


“Our family is so thankful to Silvia. Her knowledge and helpful support turned a

stressful time into a hopeful, memorable turning point in our lives. You are a true

gift to families like us.” Travis C.


“Very responsive to my wife and I. Always diligent in communicating expectations

and next steps in the process. Answered all of our questions. Silvia ensured the

mortgage process was painless and enjoyable.” Lindsay L


“Silvia and Jessica make a great team and handled my loan efficiently,

professionally and always kept me advised of the status. As a self-employed

businessman I know how hard it is to find good people.” Scott D.


“Always kept us informed on everything—communicated very well.” Larry S.


“Silvia was very quick to respond to our questions and offered us several options

to choose from that we weren’t even aware of.” Douglas C.


“Silvia was spot on the best choice for us during this process. There was nothing

that would’ve improved the already excellent service. She was always available to

answer all of the numerous questions we had. She explained things very well and

helped make the best decision for us financially.” Kevin C.


“I appreciate her attention to detail. She went above and beyond and always felt

she was our advocate.” David W.


“The attention to detail and commitment to see my wife and I were happy and

satisfied. Felt taken care of.” Jackson L.


“She was very prompt to answer all my questions and she did great during

closing.” Sabih S.


“Very professional and knowledgeable.” Robert M.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

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Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.


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