David Silva- NMLS 1352284

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David Silva- NMLS 1352284 My mission is to help families achieve the dream of home ownership. Mortgage professional. Mortgage Loan Officer 1352284.

Guaranteed Rate, Inc DBA Citywide Home Mortgage 2611.

📌 Up to 25% of your first mortgage in down payment + closing cost assistance — on a $437,500 purchase, that’s roughly $8...
09/17/2026

📌 Up to 25% of your first mortgage in down payment + closing cost assistance — on a $437,500 purchase, that’s roughly $87,500
đź“Ś Your minimum contribution: $1,000 (a gift counts)
đź“Ś 620 mid score, no first-time-buyer requirement
📌 Any job title — teachers, bus drivers, front office, custodians, lunchroom. Full-time at a CO preK–12 public school, district, charter, BOCES, or innovation zone. Only one borrower has to qualify.

Now the part most posts skip: this is shared appreciation.

No monthly payment on the assistance — but when you sell, refinance, or pay off the loan, you repay it plus an agreed share of your home’s appreciation. CHFA’s own example: $87,500 in help, home gains $42,500, you repay $98,125 total and keep $31,875 of the equity. If your home doesn’t appreciate, you share nothing extra.

That money goes back into the fund for the next school employee. Fair trade for a lot of buyers — but not automatically the right one. Funding is limited, it can’t stack with other CHFA assistance, and sometimes the regular grant or a deferred second beats it.

DM me “SCHOOL” and I’ll run this against the alternatives for your actual numbers — and tell you which one wins.

David Silva · Loan Officer · Citywide Home Mortgage · NMLS #1352284

You don’t need 20% down. You might not even need your own down payment. But many people don’t know that. The typical fir...
09/15/2026

You don’t need 20% down. You might not even need your own down payment. But many people don’t know that.

The typical first-time buyer puts down 10% — and minimums run 3–3.5%. Down payment assistance programs in every state put $10,000–$25,000+ toward exactly that.

Yet NAR’s research found about half of buyers who struggle with the down payment never check a single program.
Let’s break it down 👇🏻

Assistance comes in three shapes — grants (never repaid), deferred seconds (0%, no monthly payment, repaid when you sell or refi), and forgivable seconds (stay long enough and they disappear).

The gates are wider than you think: income caps run higher than people assume, credit floors sit around 620–640, and it’s not always first-time-buyer only.

And here’s the part almost nobody puts together: DPA and seller concessions cover different bills. Assistance handles the down payment. A seller credit — which sellers are agreeing to in this market — handles closing costs, or buys your rate down. Structured together, cash to close can fall to nearly zero.

Slide 7 is the myth-buster. Send it to the person who’s still “saving up for 20%.”

One conversation tells you what you qualify for — income, county, price range, against the actual program sheets.

Licensed in CO, CA, GA, and TX.
David Silva · Loan Officer · Citywide Home Mortgage · NMLS 1352284

Rates just hit a one-year high. Buyers are still winning. Both are true.Here’s the part most buyers were never taught:Th...
09/14/2026

Rates just hit a one-year high. Buyers are still winning. Both are true.

Here’s the part most buyers were never taught:
The price is not the only thing you can negotiate.

A purchase offer has three levers — the price, your closing costs, and the rate itself, through seller-paid points. With 1.62 million homes on the market (the most since 2019), sellers are moving on all three.

And the levers are not equal. On a $400K loan:
$10K price cut → saves ~$67/mo
$10K toward the rate → saves ~$133/mo
Same concession. Twice the impact. Permanently — not a teaser, not an ARM, not a 2-1 that expires.

That’s what a structured seller concession does: closing costs covered, a permanent rate buydown, or both — written into the offer before it’s signed.

Slide 7 is the answer for anyone telling you to just “wait for rates to drop.” Screenshot it, save it, send it to the person in your life who’s been waiting.

Waiting on rates? Let’s run your numbers on a real listing — closing costs, a permanent buydown, or both. No pressure, no application.

25 years ago today, everything changed. I remember walking to school with my friends and a lady yelling at us to get hom...
09/11/2026

25 years ago today, everything changed. I remember walking to school with my friends and a lady yelling at us to get home because “airplanes were falling out the sky”. School ended up getting cancelled early that day for us once the world realized what was happening.

We remember the nearly 3,000 lives taken on September 11, 2001 — and the countless lives forever altered in a single morning. The children who grew up without a parent. The first responders who ran toward danger, many of whom are still paying the price today. The families who carry the weight of that day every day since.

Wherever you were that morning, take a moment today. Say their names. Hug your people a little tighter.

We will never forget. 🇺🇸

Colorado agents — your two hardest conversations right now have the same answer. 🧵The seller whose listing crossed day 3...
09/08/2026

Colorado agents — your two hardest conversations right now have the same answer. 🧵

The seller whose listing crossed day 30 and the buyer who’s “waiting for prices to drop” are both misreading the same market: prices are holding, but terms are wide open.

The August data:
đź“Š 29 median days in MLS (up from 22 in July)
đź“Š 67% of listings cut price by month two
📊 62.9% of Q2 closings included a seller concession — median $10K

Nearly 2 out of 3 Denver sellers are writing the buyer a check at closing. That’s not a crash — that’s leverage, and it only exists while other buyers stay on the sidelines.

Swipe for the full breakdown, including the two plays I run with my agent partners: aiming the concession at the financing instead of the price, and marketing a financing incentive on a sitting listing before the next price cut.

Have a listing past day 30 or a buyer on the fence? DM me “PLAYBOOK” and send the address — I’ll run the actual math on the actual deal.

The U.S. government is buying back its own debt — and next week it doubles the size of the operation.Here’s why a mortga...
09/03/2026

The U.S. government is buying back its own debt — and next week it doubles the size of the operation.
Here’s why a mortgage person cares:

The part of the bond market Treasury is stepping in to support — 10-to-30-year bonds — is the exact part that prices a 30-year mortgage.

The short version:
Treasury runs a weekly window where dealers sell old bonds back. Dealers have been mobbing it — offering up to 18x what Treasury was allowed to buy. So on Sept 9 the window doubles, from $2B to at least $4B per operation.

What it signals: if long-term yields spike too far, Treasury has shown it will lean against the move. There’s now an announced buyer standing under the market that prices your mortgage.
What it doesn’t mean: lower rates. It’s not QE, not a Fed cut, not a debt paydown. The day after the announcement, yields gave the whole move back. It’s a cushion under the panic scenario — the trend still belongs to inflation and jobs data.

The Fed talked tough on Friday. Your buyer’s rate moved 0.06%.Here’s the part almost everyone gets backwards:The Fed doe...
08/31/2026

The Fed talked tough on Friday. Your buyer’s rate moved 0.06%.

Here’s the part almost everyone gets backwards:

The Fed does not set mortgage rates.

It sets the overnight lending rate between banks. Overnight. Your buyer’s loan is 360 months long.

Friday proved it. Odds of a September rate HIKE jumped from about 35% to a coin flip — and here’s how the market actually moved:

2-year Treasury: +14 bps
10-year Treasury: +6 bps
30-year Treasury: +3 bps
30-year mortgage: +6 bps

The further out you go, the less the Fed mattered. Your buyer’s rate tracked the 10-year almost exactly.

Send me the one who’s waiting. I’ll run their real numbers.

David Silva · Loan Officer · Citywide Home Mortgage · NMLS #1352284

Market data as of 8/28/26. Educational only — not a forecast, not financial advice, not a commitment to lend. Rates may move in either direction. Equal Housing Lender.

🏡💰 Another successful closing!Congratulations to my clients on successfully tapping into the equity in their investment ...
08/31/2026

🏡💰 Another successful closing!

Congratulations to my clients on successfully tapping into the equity in their investment property!

Real estate isn’t just about owning property—it’s about understanding how to strategically use the equity you’ve built. Whether the goal is to invest in another property, consolidate debt, improve cash flow, or create capital for the next opportunity, sometimes your existing portfolio can help fund the next move.

If you own an investment property with equity and want to explore what options may be available, let’s run the numbers.

📲 David Silva | NMLS #1352284

🏡 CLOSED & OFFICIALLY HOMEOWNERS! 🔑🎉There’s nothing better than watching first-time homebuyers get the keys to their ver...
08/24/2026

🏡 CLOSED & OFFICIALLY HOMEOWNERS! 🔑🎉

There’s nothing better than watching first-time homebuyers get the keys to their very first home.

Huge congratulations to our buyers on reaching this milestone! Buying your first home can feel overwhelming, but having the right team in your corner makes all the difference.

And a big shoutout to their agent Alex for doing an incredible job negotiating a great deal and advocating for our clients every step of the way. đź‘Ź

Great agent. Great financing. Great teamwork. Happy homeowners.

Congratulations again — enjoy making your new house HOME! 🏠❤️

ColoradoMortgage MortgageLender HomeSweetHome

If you’re still in this business right now, read this. You are not behind. You are not failing. You are doing one of the...
08/19/2026

If you’re still in this business right now, read this. You are not behind. You are not failing. You are doing one of the hardest jobs there is, in the hardest market most of us have ever worked, and you’re still here.

That screenshot going around — 84% of agents sold nothing this year — isn’t measuring you. It counts appraisers, managers, people who left years ago, and buyer’s agents whose closings sit under their team leader’s name. Don’t hand a number like that any power over how you see yourself.

Here’s what’s actually true: the typical agent closed nine deals last year. Nine. Nobody is winning this market on talent. They’re winning it on the unglamorous stuff. The call made on the day you didn’t feel like making it. The fifth follow-up. The buyer you refused to give up on when everyone else had. That isn’t luck and it isn’t a personality type. That’s just showing up. And showing up compounds.

The agents who come out the other side of this year won’t be the ones who caught a break. They’ll be the ones who kept going while it was still hard. So keep going. And when a buyer gets a no somewhere else, don’t write them off — send them my way. Self-employed income, buydowns, lender credits, assumable financing. There’s almost always a path.

DM me “deals.” Send me a file you were told was dead. I’ll look at every one.

Address

600 S Cherry Street Suite 1108
Denver, CO
80246

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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