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Erik Maya
RMLO NMLS 334089
o: (281) 447-2377
c: (832) 724-0757
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1801 Kingwood Drive, Suite 140
Kingwood, TX 77339
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Down Payment Assistance

Home Mortgage Loan Special Programs

There are several programs available for homes located anywhere in Texas that provide funds for down payment and/or closing costs. This assistance comes in the form of grants which do not have to be repaid and/or second liens which must be paid in full when the home is sold or refinanced. The interest rates are fixed for 30 years. These programs have restrictions based on your family income, family size and the County you are purchasing in. Not all of the programs require that you be a first time homebuyer.

HEROES/EDUCATORS

Home Loan Programs provide a FHA loan to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance, up to 5% of the mortgage loan amount, in the form of a grant.

To be eligible for this program, a homebuyer must be of a specific group:

  • Homes for Texas Heroes: A full-time paid fire fighter, peace officer, corrections officer, juvenile corrections officer, county jailer, EMS personnel, or public security officer
  • Professional Educator: A full-time Texas classroom teacher, teacher’s aide, school librarian, school nurse, school counselor, or an allied health or nursing faculty member

CURRENT, PREVIOUS, OR FIRST TIME HOMEBUYER(S)

There are home loan programs available that offer competitive interest rates to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance in amounts ranging from 4% to 5% of the mortgage loan in the form of either a second lien or a grant. Eligible borrower(s) must meet the programs income limits and guidelines.

MORTGAGE CREDIT CERTIFICATE (MCC)

With an MCC, the qualified homebuyer is eligible to take a portion of the annual interest paid on the mortgage as a special tax credit, up to $2,000, each year that they occupy the home as their principal residence. An MCC has the potential of saving the homebuyer thousands of dollars over the life of the loan.

The program is open to those individuals and families who:

  • Meet income and home purchase requirements
  • Have not owned a home as a primary residence in the past three years
  • Meet the qualifying requirements of the mortgage loan
  • Will use the home as their principal/primary residence

The MCC is a non-refundable tax credit, therefore, the Homebuyer MUST have a tax liability in order to take advantage of the tax credit.

For more information on special programs, please contact your Premier Nationwide Lending Home Mortgage Loan Expert.

* Loan programs are subject to credit and property approval. Other guidelines may apply.

Residential Mortgage Loan Originators

My name is Erik Maya and I am a Mortgage Loan Originator and Branch Manager for the Kingwood Branch at Premier Nationwide Lending. I have over 15 years of experience originating residential and commercial loans. I have built my reputation on the hallmarks of integrity, professionalism, and dedication to my customers, real estate professionals, builders, title and insurance companies, and individual home buyers. I am committed to caring for my customers and building lifetime relationships as their mortgage consultant. I take great pride in knowing that the majority of my business comes from repeat clients and their referrals. In-House Processors, Underwriters and Closers ensures your loan closes on time and as promised. The purchase of a new home should be exciting and not stressful. By educating our clients and offering a detailed “game plan” from start to finish, they are encouraged to concentrate on the important things which is enjoying their new home!

When I am not originating loans, I spend my time with my lovely wife and my three beautiful kids. I love to go golf, exercise, and football.


Loan Center

Checklist

What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.

Calculator

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Testimonials

One of the reasons I was afraid of dealing with mortgage companies is becuase of all the horror stories I had heard from other people working with other companies. However, working with Erik made me feel like I was in good hands. He was always quick to respond to any emails, phone calls, and/or text messages. He never made me feel like he was being bothered by any of my "silly" questions. I will definitely recommend him and go to him when/if I get another house. Thanks Erik! :D

Maricela S.

I want to take the time out to let everyone know what a wonderful experience my husband and I had working with Erik Maya. After searching for a home and trying to get financing and being told we had to wait for one or more reasons we contacted Erik Maya. The process was smooth and they guided us through every step of the way. They worked with us and helped us on the items we needed to get resolved in order to get approved. I can honestly say if it were not for Erik we would not be in the home right now! Erik and his staff’s dedication and professionalism exceeds the rest by far. They truly strive to make your dreams a reality. I highly recommend Erik to everyone out there that is looking for a home now or in the near future, don't get discouraged when others tell you no because it can and will happen once you go with Erik! I look forward to working with you on the purchase of our next home.

Junell & Abel G.

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