What are the opening hours?

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

David Silva- NMLS 1352284

Home
United States
Denver, CO
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.

03/20/2026

Another big win for a first-time homebuyer 🙌

Our client was able to get into his new home with $0 out of pocket at closing—all thanks to a strong strategy and a great deal negotiated by our awesome agent Alex.

This is exactly why having the right team matters. Opportunities are out there—you just need the right people to help you find them and structure the deal the right way. 🏡

Guaranteed Rate Inc., dba Citywide Home Mortgage, NMLS 2611. For licensing, visit www.nmlsconsumeraccess.org. Applicant subject to credit approval.

03/18/2026

Big news in the mortgage world—and it could impact your monthly payment more than interest rates 👇

Fannie Mae & Freddie Mac are now allowing more flexibility with homeowners insurance… specifically letting some buyers use lower-cost policies instead of full replacement coverage.

What does that mean?

👉 Lower insurance premiums
👉 Lower monthly payments
👉 More buyers qualifying for homes (especially condos)

Sounds like a win… and in many cases, it is.

But here’s the part most people won’t tell you:

Those cheaper policies (ACV) don’t fully replace your roof—they pay what it’s worth today, not what it costs to rebuild it.

Translation:
Lower payment now = more risk later.

The goal isn’t just to get you into a home…
It’s to make sure you’re protected once you’re in it.

Every situation is different, and this is where strategy matters.

If you’re buying soon or just want to understand how this impacts you, let’s talk.

03/13/2026

A special one at the closing table today.

Happy to close on my friend Nik’s new home! It turned into a bit of a reunion with friends all around the table, which always makes the moment even better.

Huge shoutout to Alex for finding a great deal and helping make this one happen. Cheers to new beginnings and great people in your corner! 🏡🙌

Guaranteed Rate Inc., dba Citywide Home Mortgage, NMLS 2611. For licensing, visit www.nmlsconsumeraccess.org. Applicant subject to credit approval.

03/06/2026

Self-employed but your tax returns don’t show the full picture? 📊

A Bank Statement Loan allows you to qualify using 12–24 months of bank deposits instead of tax returns.

This is perfect for:
• Business owners
• 1099 earners
• Contractors
• Entrepreneurs

Your income might look complicated on paper… but that doesn’t mean homeownership is out of reach.

Send me a message and let’s see what you qualify for. 🏡

Guaranteed Rate Inc., dba Citywide Home Mortgage, NMLS 2611. For licensing, visit www.nmlsconsumeraccess.org. Applicant subject to credit approval.

03/05/2026

Paying $3,800 in rent? No problem.
Trying to buy a home for $3,200 a month? Suddenly it’s complicated.
Sometimes it’s not about qualifying… it’s about talking to the right lender.

03/02/2026

First-time homebuyers get hit with new terms, paperwork, deadlines, inspections, appraisals… it’s a lot. 🤯

And when you don’t do this every day, it’s easy to feel overwhelmed or second guess every decision.

That’s why you need someone detailed enough to catch what others miss… and patient enough to explain it twice (or five times) without making you feel rushed.

Buying your first home shouldn’t feel confusing.
It should feel clear, strategic, and fully understood.

Guidance matters. 🏡

02/26/2026

Appraisals be like: ‘I’m not saying it’s overpriced… but I’m not NOT saying it either.’ 😅

That’s why we don’t just cross our fingers and hope for value — we prep the file, review comps, structure the deal right, and make sure we’re not surprised at the 11th hour.

Because the only thing worse than a low appraisal… is being shocked by it. 🏠📉

Be prepared > Be panicked.

02/25/2026

Most investors focus on rent.

Smart investors focus on tax strategy + leverage.

A properly structured DSCR property paired with cost segregation can:

✔ Reduce your taxable income
✔ Increase liquidity
✔ Preserve qualification for your next deal
✔ Accelerate portfolio growth

This isn’t a loophole.
It’s understanding how the rules actually work.

If you’re buying rentals in 2026, structure it correctly from Day 1.

Comment “DSCR” or send me a message and I’ll run the numbers for your specific scenario.

⸻

Guaranteed Rate Inc., dba Citywide Home Mortgage, NMLS 2611. For licensing, visit www.nmlsconsumeraccess.org. Applicant subject to credit approval.

02/18/2026

If your mortgage rate starts with a 7…
You might be donating to the bank’s Christmas party. 🎄

02/16/2026

Rent vs. Buying a Starter Home 🏡

This chart compares the percent change over time from the same starting point:

• Rent
• The monthly cost of a starter-home mortgage

Both start at zero. Both are measured the same way.
The only difference? The growth rate.

If buying feels like it’s run away faster than renting, you’re not imagining it. Home prices and interest rates compound — quickly and sometimes painfully.

Sources: Bureau of Labor Statistics (rent), U.S. Census & Freddie Mac (home prices and mortgage rates).

02/14/2026

Roses are red.
Violets are blue.
She doesn’t want chocolate…
She wants a clear to close too. 🔑🏡❤️

This Valentine’s Day, skip the teddy bear and bring her the keys to her dream home. I can help make that happen — with options for as little as 3–5% down (and even assistance programs for those who qualify).

Slide into my DMs before you slide into the jewelry store. 😉

Guaranteed Rate Inc., dba Citywide Home Mortgage, NMLS 2611. For licensing, visit www.nmlsconsumeraccess.org. Applicant subject to credit approval.

Address

600 S Cherry Street Suite 1108
Denver, CO
80246

Opening Hours

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

Website

https://www.citywidehm.com/loan-officers/david-silva-1352284

Alerts

Be the first to know and let us send you an email when David Silva- NMLS 1352284 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Featured

Fox Valley Mutual Mortgage Inc
2942 Evergreen Parkway suite 425, Evergreen CO

Want your business to be the top-listed Finance Company in Denver?