Mortgages by Jose-Vladimir Lopez - NMLS # 508801

04/04/2026

THE DIFFERENCE BETWEEN RENTING AND OWNING? - LONG-TERM WEALTH! One decision can change your financial future!

03/14/2026

Score up!.. Credit Improvements today mean buying power tomorrow!
Better credit. Better options. Better future. Let's chat!

03/06/2026

March is HERE!... Win the Bracket. Score the Home. Let's get moving!

02/10/2026

Thank you to our Amazing realtor partners! We had a fantastic turnout at the CHFA 3-Hour CE class hosted by the Total Mortgage Monroe office team, with 40 in attendance! You Rock!

02/10/2026

THANK YOU to our amazing Realtor partners!

We had a fantastic turnout at the CHFA 3-Hour CE Class hosted by the Total Mortgage Monroe office team, with 40 Realtors in attendance!

We’re grateful to everyone who took time out of their busy schedules to invest in their education and growth, and a special thank you to Rita Bellinger from CHFA for delivering such an informative and valuable class.

Education, partnership, and growth — that’s how we all win.

-Monroe

01/15/2026

Price Growth starting to perk up!... Homebuyer momentum is building! Click to learn more: https://pro.listreports.com/shareables/tp-260109?shareable_type=talking_points

01/01/2026

✨Happy New Year! Wishing you a 2026 filled with new beginnings, big goals, and exciting possibilities. ✨

12/16/2025

Unlock the door to your new home! 🔑 Our comparison chart simplifies the FHA, HomeReady, and Home Possible loan programs. Discover the eligibility requirements, benefits, and which option aligns with your financial situation. Your dream home awaits!

04/28/2025

🚨 Mortgage Monday – April 28, 2025 🚨

Here’s what’s happening in the housing market this week:

📉 Rates Holding Steady:

30-Year Fixed: 6.81%

15-Year Fixed: 5.94%
(Source: Freddie Mac)

🏘️ Market Snapshot:

Inventory is up 30% year-over-year! More homes mean more choices for buyers.

Prices: The Northeast (including CT!) is holding strong with steady price gains.

💡 What This Means for You:

Buyers: More inventory + stable rates = a great time to explore options.

Sellers: Highlight your home’s move-in readiness to stand out.

Realtors: Use this momentum to educate and empower your clients!

📲 DM me for personalized pre-approval insights or a market strategy session.

Rates shown reflect national averages as reported by Freddie Mac on 4/28/25 and are not a rate quote or offer to lend. For personalized rates and terms, contact me directly or apply at Total Mortgage Services.

03/26/2025

EXTRA, EXTRA, Read ALL About it --- URGENT FHA ALERT!... FHA is updating its lending guidelines and will remove financing eligibility for borrowers with illegal alien status from accessing FHA-Insured mortgages.

The "Non-Permanent Residents" or Employment Authorization Document (EAD) category in both the Single Family Title I and Title II programs will be permanently removed effective May 25, 2025 - Lenders have the option to implement this update immediately, BUT must fully implement this requirement on or after May 25th.

See Mortgagee Letter 2025-09:
https://www.hud.gov/sites/default/files/OCHCO/documents/2025-09hsgml.pdf

Realtors - If you are working with a buyer who was preapproved as an EAD holder for an FHA mortgage, YOU must have their case reviewed and under contract ASAP!

12/13/2024

REGISTRATION LINK: https://events.totalmortgage.com/agent-appreciation

Join us for our Agent Appreciation Event! 🎉

We’re celebrating you this holiday season on December 16th from 5:30 PM to 8:00 PM at Total Mortgage Arena.

This is our chance to say THANK YOU for an amazing year and show how much we value our incredible partners. 💚

Click the link in our bio to RSVP, and let’s toast to another year of success together. See you there! 🏡✨