Cherry Creek Mortgage - Division of Guild, Erik Maya, NMLS# 334089

06/15/2026

Think your credit score is too low to buy a home? You may have more options than you realize.

One of the tools we can use is called a rapid rescore. After reviewing your credit report, we can identify specific accounts that may be holding your score back and provide guidance on which balances to pay down and by how much. In many cases, those changes can be reflected in your credit profile within a matter of weeks, potentially helping you qualify for a loan sooner than you thought possible. Don't let assumptions about your credit keep you from exploring your homeownership goals. The first step is finding out where you stand and creating a plan to move forward. Ready to see what's possible? Let's talk

06/15/2026

4.5 star review received on Experience.com for Erik Maya by Philip H - fast and efficient service, loan terms were met below estimate

Click to see all 967 reviews of Guild Mortgage - Erik Maya, Senior Loan Officer | NMLS # 334089

06/12/2026

One of the biggest mistakes homebuyers make is believing common mortgage myths.

❌ You need 20% down to buy a home.
Not true. Many loan programs offer as little as 0% to 3% down for qualified buyers.

❌ You need perfect credit.
Not true. Some loan options are available with credit scores as low as 620, and in certain cases even lower.

❌ A 30-year fixed mortgage is always the best choice.
Not necessarily. Depending on your goals, a 15-year loan or adjustable-rate mortgage (ARM) may be a better fit.

The best loan isn't the one your neighbor used. It's the one that aligns with your financial goals, timeline, and long-term plans. If you're thinking about buying, let's talk through your options and find the program that works best for you.

06/10/2026

One of the most common questions I get from buyers is:
"How much money should I have left in my bank account after closing?"

While every situation is different, it's generally a good idea to keep at least 1–3 months of expenses in reserve after purchasing a home. Once you get the keys, there may be moving costs, furniture purchases, utility deposits, maintenance items, or unexpected expenses that come up. Buying a home is exciting, but having a financial cushion can help you enjoy your new home with confidence and peace of mind. Have questions about preparing financially for homeownership? Let's talk. 🏡💰

06/08/2026

Student loans don't automatically disqualify you from buying a home. 🏡 The reality? Many buyers with student loan debt are still able to purchase a home. Lenders factor student loans into your debt-to-income ratio, and in many cases, the impact is smaller than people expect. If you've been putting off homeownership because of student loans, it may be worth having a conversation about your options. Reach out today and let's see what may be possible for you.

06/05/2026

One of the biggest mistakes we see self-employed homebuyers make? Focusing solely on paying as little in taxes as possible. While maximizing deductions may lower your tax bill, it can also reduce the income lenders use to qualify you for a mortgage.

That's why planning ahead is so important. We recently sat down with Miriam from PDZ Enterprises, one of our trusted partners, to discuss how tax planning and homeownership go hand in hand. The earlier you start the conversation, the more options you'll have when it's time to buy.

If you're self-employed and thinking about purchasing a home in the next year or two, now is the time to build your team and create a plan. Reach out today, and we'll help connect you with the right professionals to get you on the path to homeownership. 🏡

06/04/2026

5.0 star review received on Experience.com for Erik Maya by David J - Working with Pam and Guild mortgage was genuinely exceptional. From start to finish, the Pam and team demonstrated an above‑and‑beyond mentality that made the entire process feel seamless. Their extreme professionalism showed in every interaction. There was clear communication, proactive updates, and a genuine commitment to making sure I understood each step. What impressed me most was the quick closing, which they achieved without ever sacrificing accuracy or care. They turned what could have been a stressful experience into one that felt efficient, supported, and surprisingly easy.

Click to see all 962 reviews of Guild Mortgage - Erik Maya, Senior Loan Officer | NMLS # 334089

06/03/2026

While many programs do require a minimum credit score around 620, that's only one piece of the puzzle.

Lenders may also look at:
✔️ Your debt-to-income ratio
✔️ Employment stability
✔️ Available savings or reserves
✔️ Overall financial readiness

The stronger your financial profile, the more options you may have available. If you're thinking about buying a home in the future, don't wait until you're ready to start preparing. A little planning now can make a big difference later. Have questions about down payment assistance or where you stand today? Reach out and let's create a plan.

06/01/2026

Many buyers think they need to wait until their credit score improves before purchasing a home. The challenge is that while you're waiting, interest rates and home prices can change too. One option worth exploring is an FHA loan. FHA loans are often more flexible with credit requirements and can provide competitive interest rates for buyers with credit scores as low as 550–580, depending on qualification guidelines. The most important thing is understanding your options and creating a plan based on your goals. You may be closer to homeownership than you think. Have questions about your credit score or loan options? Reach out today and let's see what programs you may qualify for.

05/29/2026

Think you need a huge down payment to buy a home? Think again. 🏡

One of the biggest myths in real estate is that you need 20% down to get started. In reality, there are loan programs that require little to no money down, including FHA, USDA, conventional low-down-payment options, and first-time homebuyer assistance programs.

If you've been waiting to save a large down payment, you may have more options than you realize. The best way to know what's available is to talk with a lender and explore your options.

Ready to see what you qualify for? Send us a message and let's get you started. 📩