LYNK Mortgage vs New Silver
Head-to-head comparison: Speed, products,
rates, and terms from two tech-forward
real estate lenders.
rates, and terms from two tech-forward
real estate lenders.
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Instant term sheets. No income docs required.
Comparing a Direct Lender vs a Tech-Forward Platform
Both LYNK Mortgage and New Silver target real estate investors, but they operate from fundamentally different models. LYNK Mortgage is a direct private lender with dedicated loan officers and personal service. New Silver is a tech-first platform that automates the lending process with algorithms and digital tools. Both offer fix & flip, DSCR, and construction loans, but they differ significantly in speed, service model, and user experience.
This guide compares LYNK Mortgage and New Silver across the metrics that matter most: closing speed, personal service, leverage terms, product depth, loan pricing, and overall lending philosophy. If you're deciding between a personalized direct lender and a fully automated platform, the differences below should help you choose.
LYNK Mortgage vs New Silver
| Feature | LYNK Mortgage | New Silver |
|---|---|---|
| Products | Fix & Flip, DSCR, Bridge, New Construction, Multifamily Bridge | Fix & Flip, DSCR Rental, Ground-Up Construction |
| Fix & Flip Rates | 8.50%+ | 7.5-9% |
| DSCR Rates | 6.00%+ | Competitive (varies by profile) |
| Max LTC (Fix & Flip) | 95% | Up to 90% |
| Max LTV (Fix & Flip) | 70% ARV | Up to 75% ARV |
| Fastest Close | 10 days | 5-14 days (5 for pre-approved) |
| Loan Officer Model | Dedicated personal loan officer | Fully automated (no personal contact) |
| Repeat Customer Program | Express Lane (priority processing) | Faster quotes for returning borrowers |
| States | AL, AR, CO, CT, DC, DE, FL, GA, IA, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV states | 39 states |
| Founded | 2020 | 2019 |
| Service Model | Personal, relationship-driven | Platform-driven, self-service |
Last updated: April 2026. Rates and terms reflect publicly advertised information and may vary. Confirm current rates directly with each lender.
Where LYNK Mortgage Wins
1. Higher LTC — Up to 95% vs 90%
LYNK Mortgage offers up to 95% LTC on fix & flip loans compared to New Silver's 90% maximum. This means you put 5% of your own capital at risk, versus 10% with New Silver. On a $300,000 property, that's a $15,000 difference in capital required. Lower capital requirements mean you can deploy your cash to more deals, faster. This is a material advantage for capital-constrained investors scaling their portfolio.
2. Personal Loan Officer — Relationship-Driven Service
LYNK Mortgage assigns a dedicated loan officer to your deal from pre-approval through closing. New Silver is fully automated — no person on your side, just algorithms and email confirmations. If you value questions answered by a real human who understands your deal, your timeline, and your goals, LYNK Mortgage's personal service is decisive. You're a business partner, not a data point in an algorithm.
3. Full Product Suite Including Multifamily Bridge
LYNK Mortgage offers fix & flip, DSCR, bridge loans, new construction, AND multifamily bridge financing. New Silver focuses on fix & flip, DSCR, and ground-up construction. If you're scaling beyond single-family deals or need bridge financing for multifamily properties, LYNK Mortgage's broader product suite means you can consolidate all your lending with one partner. Fewer lenders = simpler operations and stronger relationship pricing.
4. Express Lane for Repeat Customers
LYNK Mortgage's Express Lane program prioritizes repeat borrowers for faster closing on subsequent deals. Once you've closed one deal with LYNK Mortgage, your second loan moves through fast-track underwriting. This builds loyalty and rewards investors who scale. New Silver offers faster quotes for returning borrowers, but without a dedicated person managing your file, the benefit is limited.
5. Established Direct Lender — $1 billion+ Funded Track Record
LYNK Mortgage is a direct private lender that funds from its own balance sheet. New Silver operates a platform model where algorithms make lending decisions. LYNK Mortgage's $1 billion+ funded proves deep institutional backing and stability. For deals where consistent, reliable funding matters, LYNK Mortgage's proven track record may provide additional confidence.
Where New Silver Stands Out
1. Tech-Forward Platform with Dashboards and Instant Quotes
New Silver's fully online platform provides instant quotes, digital status dashboards, and 24/7 self-service access to your loan information. Everything is automated and transparent. If you prefer to manage your loan independently without talking to a loan officer, New Silver's tech tools and instant quote engine may be more convenient. You can apply, track status, and close all online, entirely on your timeline.
2. Potentially Faster for Pre-Approved Borrowers (5-Day Claim)
New Silver claims 5-day closes for pre-approved borrowers, with typical closes of 10-14 days. LYNK Mortgage closes in as few as 10 days. For borrowers who've been pre-approved and are returning for a second deal, New Silver's 5-day timeline could be faster. However, LYNK Mortgage's 10-day close is competitive, and Express Lane may match or beat that for repeat customers.
3. Wider Geographic Coverage (39 States vs AL, AR, CO, CT, DC, DE, FL, GA, IA, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV)
New Silver operates in 39 states, while LYNK Mortgage operates in AL, AR, CO, CT, DC, DE, FL, GA, IA, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV states. If your investment strategy takes you to states outside LYNK Mortgage's current footprint, New Silver's broader coverage means you have access to their platform regardless of geography. This is a material advantage if you're a multistate investor or investing in secondary markets.
4. Ground-Up Construction Product
New Silver explicitly offers ground-up construction financing, a product designed for builders starting from vacant land. While LYNK Mortgage offers new construction loans, New Silver's ground-up focus and algorithmic underwriting may appeal to builders who prefer a tech-driven approach. If you're building from the ground up and want a fully automated underwriting process, New Silver's platform is a good fit.
Which Lender Should You Choose?
Choose LYNK Mortgage If:
- You want a dedicated loan officer. LYNK Mortgage assigns one person to your deal; New Silver is fully automated. If you prefer personal service and real-time communication, LYNK Mortgage is the clear choice.
- You need lower capital requirements. 95% LTC vs 90% means you put less of your own money at risk. On a $300k deal, that's $15,000 in capital savings.
- You scale across multiple product types. LYNK Mortgage's bridge, DSCR, multifamily bridge, and construction products give you a one-stop shop for all financing needs.
- You're a repeat customer. Express Lane fast-tracks your second and subsequent deals with priority underwriting.
- You want human decision-making. LYNK Mortgage is a direct lender with underwriters who review your deal; New Silver uses algorithms. Some investors trust people more than algorithms.
Choose New Silver If:
- You prefer a fully automated experience. No phone calls, no loan officer — just instant quotes and digital tracking. If you want to manage everything online and on your own schedule, New Silver is better.
- You need coverage in 39+ states. If your deals are in states outside LYNK Mortgage's current coverage, New Silver's geographic reach is necessary.
- You're a pre-approved repeat borrower. New Silver claims 5-day closes for pre-approved borrowers, potentially faster than LYNK Mortgage's standard 10-day timeline.
- You're doing ground-up construction. New Silver's algorithm-driven approach to ground-up construction may offer faster decisions and consistent pricing on this product type.
- You value tech tools and transparency. Instant quotes, digital dashboards, and 24/7 self-service access appeal to investors who want maximum visibility and control over the process.
Best Practice: Get Term Sheets from Both
Rates and terms vary based on your specific deal, credit, and loan structure. The best decision is to apply with both LYNK Mortgage and New Silver and compare actual term sheets. LYNK Mortgage's personal underwriting may yield different pricing than New Silver's algorithmic approach. Both lenders move quickly, so applying to both is practical and doesn't slow down your deal. Get quotes, compare terms, and choose the lender and service model that fits your style.
The Bottom Line
LYNK Mortgage and New Silver serve different investor preferences. LYNK Mortgage is the better choice if you want a dedicated loan officer, higher leverage at 95% LTC, and a broader product suite including multifamily bridge. New Silver is the better choice if you prefer full automation, instant quotes, and wider geographic coverage across 39 states. For most investors, the smartest move is to get term sheets from both and compare actual rates, fees, and closing timelines for your specific deal.
Frequently Asked Questions
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The LYNK Mortgage Difference
Close in 10 Days
From application to funding — move at the speed of your deal.
Instant Term Sheets
Transparent rates, terms, and fees upfront — no hidden surprises.
No Tax Returns
We focus on the deal, not your personal paperwork.
Dedicated Team
One loan officer on your deal from start to finish — no handoffs.
Direct Lender
We make our own decisions and fund with our own capital.
$1 billion+ Funded
Trusted by investors nationwide with a proven track record.
Copyright © LYNK Mortgage. All Rights Reserved.
LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.
Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.
2301 Sugar Bush Road, Suite 310, Raleigh, NC 27612