Bianca Lopez NMLS 1605655

09/22/2026

🏡 What if you could buy now and enjoy an interest rate that’s 1% lower during your first year—without paying for the temporary buydown?

With this lender-paid 1-0 buydown, the lender covers the cost, giving eligible buyers a lower initial monthly principal-and-interest payment when a little breathing room can matter most.

This could be a great fit for:

✨ Payment relief during your first year of homeownership
✨ Expecting income to increase within the next 12 months
✨ If in competitive markets where a seller may not offer closing-cost credits
✨ Rate-sensitive buyers who are interested in purchasing but hesitant to make a move
✨ Buyers who want to preserve more of their available funds for moving, furnishings or other expenses

Available on eligible Conforming, High-Balance and FHA purchase loans.

Want to see whether this option fits your homebuying plan? Let’s run the numbers together! 🔑



Temporary buydown. Borrower must qualify at the full note rate. Program availability, eligibility and terms are subject to change. Not a commitment to lend. Equal Housing Opportunity.

09/16/2026

Mortgage rates moved slightly higher today, but the bigger story is what happened after the Federal Reserve meeting.

The Fed raised its benchmark rate by 0.25%, its first increase since 2023, because inflation remains too high. More importantly, officials signaled that another increase may come later this year. That caused Treasury yields to jump and mortgage-backed securities to weaken—both negative for mortgage pricing.

https://apnews.com/article/federal-reserve-warsh-trump-inflation-bab1bcb07e973bfb2dd0c3e5fbbb73b1

https://www.federalreserve.gov

Federal Reserve Chair Kevin Warsh is stuck between two strong but opposing forces: Financial markets that anticipate the central bank will raise interest rates, and President Donald Trump, who wants the Fed to cut them or leave them unchanged.

09/12/2026

Open house 🏡 Sunday 👀 1-4pm

https://property.listreports.com/yuqtXVcB6m/11673-west-barley-drive-marana-az-85653?premium&v1789178749957

Learn more about 11673 West Barley Drive, Marana, AZ 85653. This home is priced at $479900, with 4 beds, 3 baths, and…

09/05/2026

🚨 Fannie Mae just made major changes to rental-income guidelines—and these updates could affect homeowners, investors, and anyone planning to keep their current home as a rental.

Here’s what’s changing:

🏠 Departing residences
A signed lease will no longer be used. Rental income must be supported by market rents, and any positive income can only offset the property’s PITIA.

🌴 Airbnb and VRBO properties
Fannie Mae now has a specific short-term rental framework. In qualifying scenarios, only 50% of supported short-term rental income may be considered before subtracting PITIA.

📅 Recently purchased investment properties
If another investment property was purchased within 45 days of the new loan application, special documentation and income limitations apply.

📝 Stronger lease requirements
New leases may require a minimum six-month term, proof that payments have begun, market-rent support, and additional scrutiny when renting to family members or other interested parties.

The biggest opportunity? You may be able to keep your current home as a rental without finding a tenant and signing a lease before purchasing your next home—but the new market-rent, reserve, and PITIA-offset rules must be reviewed carefully.

These changes become mandatory for applications dated on or after November 1, 2026, although some lenders may implement them sooner.

Thinking about buying another home while keeping your current property? Let’s review the numbers before you list—or assume you have to sell.

📲 Bianca Lopez
Sr. Loan Officer | NMLS 1605655
520.907.2520
[email protected]

Guidelines are subject to lender requirements, underwriting review, and applicable overlays.

08/26/2026

Happy International Dog Day to our loyal, loving companions! Ready to find a home with the perfect yard for your best friend? Send me a message to get started.

08/20/2026

DSCR loans are specialized programs designed to help you purchase and renovate income-producing properties — all without personal income and employment history.* Give me a call to see if you qualify!

08/19/2026

The school bell is ringing, and so is the opportunity to find your family's perfect home. Give me a call to get started!

08/18/2026

Confused about which loan type fits your needs? Navigating home financing can be overwhelming, but you're not alone. Reach out today for personalized guidance on all your loan options and let’s take the first step together toward making your dream home a reality.

07/04/2026

⭐️❤️🤍💙 Happy 250th Independence Day ❤️🤍💙⭐️

02/19/2026

The decision to buy a home isn’t only about market conditions—it’s also about personal readiness. 🏡 Feeling secure in your income, comfortable with your finances, and ready for a long-term commitment all play an important role. When those pieces start to come together, financing options can become much clearer. My role is to help you understand how your financial picture fits into the bigger homeownership story, at whatever pace works for you.