Erik Santamaria - Mortgage Broker

11/30/2025

Are you curious about how you can start building income using your current home? Or are you trying to buy a home and want to know how to build a stream of income? Check out my post on house hacking and how it can help you get started!
https://www.santamarialending.com/blog/house-hacking-the-smartest-way-to-build-equity

¿Tienes curiosidad sobre cómo puedes empezar a generar ingresos con tu casa actual? ¿O estás tratando de comprar una casa y quieres saber cómo crear una fuente de ingresos? ¡Mira mi publicación en Español sobre house hacking y cómo puede ayudarte a empezar!
https://www.santamarialending.com/blog-en-espanol/hackear-tu-hogar-la-estrategia-para-reducir-tu-hipoteca

In a world where the cost of living keeps climbing like a determined mountain goat, house hacking has become one of the most powerful wealth-building strategies available to everyday buyers. It’s not new, but it’s exploding in popularity because it blends practicality with long-term financial up...

11/22/2025

Come check out my thoughts on the 50-year mortgage proposed by our current administration

Is a 50-Year Mortgage Worth It? Pros, Cons & How It Compares to a 30-Year Loan With housing prices rising and affordability feeling tighter than ever, the idea of a 50-year mortgage has started popping up in headlines. On the surface, it sounds like a solution for buyers who need a lower

11/19/2025

Wish you had a way to calculate what home price you can afford? How much interest you save by paying extra on your mortgage?
Or what about how much you can save by refinancing into a lower rate?
Check out my website! There is calculators I created to answer all those questions!
There is also more information on who I am and what I do as a mortgage broker and loan program info!
Soon blogs will begin going up about mortgage and real estate topics consistently so you can stay informed! Just finished creating it myself and went live tonight! Let me know what you think!

Explore expert mortgage solutions in Colorado with bilingual support, fast pre-approvals, and tailored loan programs for homebuyers, investors, and real estate professionals.

11/09/2025

🚨OPEN HOUSE ALERT🚨
314 E. 112th PL. Thornton, CO 80233

11AM-2PM

Check out this Beautiful home 4beds, 2 baths. 2 car garage

535,000$

Plenty of loan options

FHA
3.5% downpayment
government backed
flexible credit requirements

CONVENTIONAL
3% downpayment
use for primary, secondary and investment property
mortgage insurance drops off once you hit 20% equity.

VA loan program
0% downpayment
NO mortgage insurance
flexible credit requirements
low interest rates!

10/31/2025

👻👻Happy Halloween! 👻👻

Don't let interest rates spook you from buying your dream home.

Get in touch to discover how to cast a spell of affordability and lock in a low rate to start building equity now!