LYNK Mortgage vs New Silver
More leverage, more products, and a
dedicated loan officer on every deal,
backed by AI-assisted underwriting.
dedicated loan officer on every deal,
backed by AI-assisted underwriting.
Get Pre-Approved Now
Instant term sheets. No income docs required.
A Direct Lender With Tech Speed and a Human Touch
New Silver is a tech-first lender built around 5-minute online approvals and instant term sheets. LYNK Mortgage is a direct lender that matches that online convenience — AI-assisted underwriting and instant online term sheets with only a soft credit pull — and adds a dedicated loan officer on every deal, more fix & flip leverage, and a broader product lineup: fix & flip, new construction, bridge, multifamily bridge, and 30-year fixed DSCR rental loans.
This guide shows where LYNK Mortgage gives investors an edge over New Silver: leverage, product depth, personal service, and track record. If you want online speed without giving up a person who owns your deal, read on.
LYNK Mortgage vs New Silver
| Feature | LYNK Mortgage | New Silver |
|---|---|---|
| Loan Products | Fix & Flip, New Construction, Bridge, Multifamily Bridge, 30-Year Fixed DSCR | Fix & Flip, DSCR Rental, Ground-Up Construction |
| Max LTC (Fix & Flip) | Up to 95% (by tier) | Up to 90% (100% of rehab) |
| Max LTV (Fix & Flip) | Up to 75% ARV (by tier) | Up to 75% ARV |
| Point of Contact | Dedicated loan officer on every deal, from term sheet to payoff | Online approval plus a loan origination team |
| Rates & Term Sheet | From 8.75% (fix & flip) and 7.00% (DSCR); instant online term sheet with a soft credit pull and no application fee | Instant online term sheet |
| Repeat Borrowers | Express Lane: priority processing and faster turn times | Experience tiers, up to institutional (10+ projects) |
| Track Record | $1.4 billion+ funded since 2013 | Founded 2018; reports $1B+ in applications processed |
Last updated: September 2026. Competitor details reflect publicly available information and may change. Rates move quickly — get a live LYNK Mortgage term sheet for current pricing on your deal.
Why Investors Choose LYNK Mortgage
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 experienced investors with strong credit can put as little as 5% of their own capital into a light-rehab project (on loans of $250,000+), versus 10% with New Silver. On a $300,000 project, that's a $15,000 difference in capital required. Lower capital requirements mean you can deploy your cash to more deals, faster — a material advantage for investors scaling their portfolio.
2. Human touch, AI speed — not just one or the other
LYNK Mortgage pairs AI-assisted underwriting with a dedicated loan officer on every deal. The AI handles the deterministic work (credit pulls, ARV/comp modeling, document analysis) and the loan officer handles the judgment calls that move the file. Result: a 7–15 day typical close on fix & flip without sacrificing the relationship. New Silver leads with a 5-minute online approval and instant term sheets, with a loan origination team behind the platform. With LYNK Mortgage, one dedicated person understands your deal, your timeline, and your goals from term sheet to payoff.
3. Full Product Suite Including Bridge and Multifamily Bridge
LYNK Mortgage offers fix & flip, new construction, bridge loans, multifamily bridge financing (5–100 units, up to $5 million), and 30-year fixed DSCR rental loans. 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 your lending with one partner — from acquisition and rehab through the rental refinance (two separate loans).
4. Live Term Sheets, No Application Fees
Rates are moving quickly, so the number that matters is the one on your term sheet. LYNK Mortgage's fix & flip rates start from 8.75% and DSCR rates from 7.00%, and an instant online term sheet shows your actual rate and terms in minutes, with only a soft credit pull and no application fees. Once you close, rehab funds are released through online draw requests with inspection-based releases, typically funded in 2–5 business days.
5. Express Lane for Repeat Customers
LYNK Mortgage's Express Lane program prioritizes repeat borrowers for faster turn times on subsequent deals. Once you've closed one deal with LYNK Mortgage, your next loan moves through fast-track underwriting with a loan officer who already knows you. New Silver tiers its programs by experience rather than offering a separate fast-track lane.
6. Established Direct Lender — $1.4 billion+ Funded Since 2013
LYNK Mortgage is a direct lender that underwrites and funds its own loans, with $1.4 billion+ funded since 2013 and a 4.7-star rating from 114 Google reviews. New Silver, founded in 2018, reports $1 billion+ in applications processed. For deals where consistent, reliable funding matters, LYNK Mortgage's track record gives you confidence.
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Who LYNK Mortgage Is Built For
- Investors who want a dedicated loan officer. LYNK Mortgage assigns one person to your deal from the start. If you prefer personal service and real-time communication, LYNK Mortgage is the clear choice.
- Investors who want lower capital requirements. Up to 95% LTC for experienced investors vs 90% means you put less of your own money at risk. On a $300k light-rehab project, that's up to $15,000 in capital savings.
- Investors scaling across product types. LYNK Mortgage's bridge, multifamily bridge, new construction, and DSCR products give you a one-stop shop for all your financing needs.
- Repeat customers. Express Lane fast-tracks your second and subsequent deals with priority underwriting.
- Investors who want AI speed with human judgment. LYNK Mortgage pairs AI-assisted underwriting with a loan officer who makes the judgment calls on your deal.
Rates Move Quickly — Compare Live Term Sheets
Advertised starting rates can go stale fast in a moving market, and the rate you're offered depends on your deal, credit, and experience. Get a live LYNK Mortgage term sheet in minutes — soft credit pull only, no application fee — and compare it line by line with any other quote you have: rate, points, fees, leverage, and closing timeline.
The Bottom Line
New Silver is an online-first lender for fix & flip, DSCR, and ground-up construction. LYNK Mortgage gives you instant online term sheets plus a dedicated loan officer, higher leverage of up to 95% LTC, a broader product suite including bridge and multifamily bridge, no application fees, and $1.4 billion+ funded since 2013. Start with a live term sheet and see your numbers in minutes.
Frequently Asked Questions
Ready to See Your Terms?
Get a live term sheet in minutes — soft credit pull only, no application fee — with up to 95% LTC on fix & flip by tier and a dedicated loan officer from term sheet to payoff.
Get Pre-Approved Now
Instant term sheets. No income docs required.
The LYNK Mortgage Difference
Fast Typical Close
7–15 days on flip, bridge, and construction; 15–21 days on DSCR.
Instant Term Sheets
Transparent rates, terms, and fees upfront — no hidden surprises.
No Tax Returns
We focus on the deal, not your personal paperwork.
Human Touch, AI Speed
AI-assisted underwriting paired with one dedicated loan officer from start to finish — no handoffs.
Direct Lender
We make our own decisions and fund with our own capital.
$1.4 billion+ Funded
Trusted by investors in 32 states with a proven track record.
Compare LYNK Mortgage with: Kiavi, Lima One Capital, RCN Capital, CoreVest, Easy Street Capital, Groundfloor, Roc360, Visio Lending, Constructive Capital
Copyright © 2026 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.
LYNK Mortgage is a private lender and does not provide investment advisory services. Its affiliate, LYNK Capital Management Company, LLC, is an investment adviser registered with the U.S. Securities and Exchange Commission; registration does not imply any particular level of skill or training. Nothing on this site is investment advice, a recommendation, or an offer to sell or a solicitation of an offer to buy any security or advisory service.
2301 Sugar Bush Road, Suite 310, Raleigh, NC 27612