Cross Country Mortgage, LLC - Erik Maya, NMLS# 334089

07/03/2026

Estamos muy emocionados de compartir que hemos comenzado un nuevo capítulo con Cross Country Mortgage! La compañía de prestamos hipotecario #1 en los Estados Unidos! 🇺🇸

Esta no fue una decisión fácil. Pasamos mucho tiempo orando, reflexionando y considerando qué era lo mejor para ayudar a nuestros clientes, agentes de bienes y raíces, y nuestra comunidad, no solo hoy, sino también en el futuro.

Estamos muy agradecidos por las oportunidades y el crecimiento que vivimos durante nuestro tiempo en Guild Mortgage.

En esta economía donde la industria hipotecaria continúa evolucionando, es importante seguir creciendo, aprovechar nuevas oportunidades y alinearnos con una compañía que nos permita servir a un nivel aún más alto. Cross Country Mortgage nos brinda más herramientas, una mayor variedad de programas de préstamos, tecnología de primer nivel y aún más oportunidades para ayudar a las familias alcanzar el sueño Americano, especialmente dentro de nuestra comunidad latina. ✨

A cada cliente, agente, amigos y familia que ha confiado en mi y mi equipo durante los últimos 23 años, Gracias de todo corazón! Su confianza, recomendaciones y su apoyo significan más de lo que las palabras pueden expresar. Seguimos comprometidos a servirles con el mismo corazón, integridad y dedicación que siempre nos han caracterizado. ❤️

Tenemos muchas cosas emocionantes preparadas para las próximas semanas y estamos contentos por compartirlas con ustedes. Manténganse atentos! 📻✨

Si está pensando en comprar una casa, refinanciar su hipoteca o simplemente tiene preguntas sobre préstamos hipotecarios, será un honor ayudarle.

📲 Llámenos o envíenos un mensaje de texto al 832-724-0757.

06/26/2026

Did you know you may be able to buy your next home before selling your current one? A bridge loan can provide temporary financing for your down payment, allowing you to purchase your new home without waiting for your current home to sell first. That means less stress, more flexibility, and the opportunity to move when the timing is right. If you're thinking about buying before selling, let's talk. We can help you explore your options and find the financing solution that works best for your situation.

06/24/2026

Thinking about buying an investment property? 🏡

Many people are surprised to learn that qualifying may be easier than they think. In many cases, lenders can use the property's projected rental income to help you qualify, meaning you may not need to rely solely on your personal income. If building wealth through real estate is one of your goals, now may be the perfect time to explore your options. Have questions about investment property financing? Reach out today, we're happy to help. 📩

06/22/2026

Think student loan debt means homeownership is out of reach? Think again. 🏡 Many buyers are surprised to learn that having student loans doesn't automatically disqualify them from buying a home. In some cases, deferred student loans may have a smaller impact on qualifying than expected. If you've recently graduated or are carrying student loan debt, you may be closer to homeownership than you think.

📩 Reach out today to explore your options and see what you qualify for.

06/19/2026

Should you pay discount points? 💰

✅ Lower interest rate
✅ Lower monthly payment

⚠️ Higher upfront costs
⚠️ May not make sense if you'll move or refinance soon

The right answer depends on your goals, not just the rate. Want to see if paying points makes sense for your situation? Send me a message and let's run the numbers.

06/17/2026

🏡💰 Real estate agents, did you know your commission can do more than just pay you after closing?

In many cases, a portion of your commission can be used toward closing costs or even counted as assets to help you qualify for a home purchase. The best part? You may still be able to receive seller contributions, helping keep your cash-to-close as low as possible.

Whether you're buying your own home or helping a client get to the closing table, there may be more options available than you realize. Understanding how commissions can be structured could make homeownership more accessible for both agents and buyers.

Have questions about how it works? Let's talk

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. 🏡💰