A Guide to Silverline Lending

Where is Silverline lending located?

Silverline Advantage is located at 39500 Orchard Hill Pl, Novi, MI 48375


How much experience do Silverline Advantage Loan Officers have?

On average, Silverline Advantage Loan Officers close over 20 deals/month and have more than 9 years of experience.

What is Advantage Plus+ Zero Fee Loan?

Advantage Plus+ Zero Fee Loan is:

  • Zero Lender Fees
  • Plus $1,000 Toward 3rd Party Costs*
  • and a great, low rate!

The Advantage Plus+ Zero Fee Loan Program is EXCLUSIVELY available through Silverline Advantage.
*$1000 credit applies to loans over $150k

How can I access the Advantage Plus+ Zero Fee Loan Program?

The only requirement for using the Advantage Plus+ Zero Fee Loan program is that you are working with a Silverline advantage agent, or buying a Keller Williams listing. You can also get started through the “Apply Now” button, located on the home page of this website.

Does ZeroPlus apply to refinances as well?

Yes, refinances are a part of the ZeroPlus program, as long as you were referred by a Keller Williams agent.


What kinds of loans do we offer?
  • Primary, Vacation, and Investment homes (Residential 1-4 Units)
  • Purchase and Refinance (cash-out too)
    • Conventional –min. 3% down payment (all can be a gift for qualified applicants)
    • Fannie Mae – DU
    • Freddie Mac – LP
  • FHA – min. 3.5% down payment
  • VA – $0 down payment
  • USDA – $0 down payment
  •  JUMBO – up to $3 million
How does Silverline Advantage deliver a stronger pre-approval?

Silverline Advantage encourages buyers to submit a complete loan application and their financial docs, right up front. Not only does this give you and your buyers the strongest pre-approvals, but upon getting financial docs, we will have an underwriter review your client’s application within 24 hours. That puts you in the best position to make a strong offer when your clients find that perfect home.

How can Silverline Advantage offer such a great deal?

Because we are technology-based and uniquely positioned with the largest RE company in the world.  We save money on marketing, office rents, and expensive on-site loan officers. We then, pass on the savings, directly to the consumer!

What is the minimum credit score?


Where are your rate sheets located?

Did you know that advertised rates are just a marketing tool for mortgage companies? There are over 8 reasons why these rates won’t be accurate and are usually outdated. Some reasons are credit score, down payment, property type, loan type, or occupancy. We offer tailor-made fee and rate estimates based on your actual financial profile and property type.

In which states is Silverline Advantage licensed to do business?

All but NY Click here for all licensing information

Difference between Pre-qualification and Pre-approval

Pre-qualifications are usually just a conversation between you and a loan officer. These conversations ask basic questions and guess what kind of buyer you are, and what you can qualify for in a home. These often lead to:

  • You searching for your dream home in an inaccurate price range.
  • Poor pre-qualification letters can decrease your chance of having a strong contract written on your dream home.
  • These pre-qualifications can also lead to late or even canceled closings.

Silverline Advantage Pre-approvals include a full free underwriting review of both your application information as well as all supporting documentation. These include:

  • Verified documentation of the borrower
  • The ability to confidently shop with Silverline Advantage in the correct price range.
  • Secure a STRONG pre-approval letter so that you can confidently put in an offer on your PERFECT home.
  • Stress-free process to closing.
What is the minimum loan amount?

The minimum loan amount is $65,000. We can only offer $1,000 credit on loan amounts of $150,000+.

Where do I send my first payment?

Check your US Mailbox. You will have a letter from Silverline Advantage saying “send it to us” OR a letter from the NEW payment servicer with the NEW address. Silverline Advantage’s first payment address is Silverline Advantage LLC ATTN: Payment Processing PO Box 639078 Cincinnati, OH 45263 Any questions should be sent to firstpayment@kellermortgage.com. 

If your first mortgage payment is due to Silverline advantage, you can now make your payment right here.  

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