Joshua Lopez - Mortgage Loan Officer

Joshua Lopez - Mortgage Loan Officer Hello, everyone! I’m Joshua Lopez, Mortgage Loan Officer NMLS #2230624 with GOT Mortgage Solutions. Ready to get a quote, pre-approved, or approved?

I’m here to help you make homeownership a reality!

09/02/2026

The “Other Costs” section of your Loan Estimate is often misunderstood.

These charges can include government recording fees, prepaid homeowners insurance, daily interest, escrow deposits, and optional owner’s title insurance. Seeing a large number here does not automatically mean your lender is charging excessive fees.

In Part 3 of my First-Time Homebuyer Series, I explain where this money is going and why these amounts can change.

Buying your first home in California? Send me a message and let’s talk.

Joshua Lopez, MBA
Licensed Mortgage Loan Officer & California Real Estate Agent
NMLS #2230624 | CA DRE #02436480
Got Mortgage Solutions | Got Real Estate Solutions

08/25/2026

🏡 Open House en Menifee este sábado, 29 de agosto

$614,900
3 habitaciones | 2.5 baños
1,853 pies² aprox.
Construida en 2023
☀️ Paneles solares pagados
HOA: solo $29/mes

Con FHA, estamos hablando de aproximadamente $21,500 de enganche, dependiendo de calificación.

¿Quieres verla? Mándame un mensaje. 📲

Joshua Lopez, MBA
📱 323-762-9786
NMLS 2230624 | DRE 02436480
Got Mortgage Solutions | Got Real Estate Solutions

RealEstate FHA PrimerComprador InlandEmpire CaliforniaRealEstate

08/23/2026

Open house today

08/23/2026

Shout out to my two viewers!

08/19/2026

Most first-time buyers look at closing costs as one fixed number—but Page 2 of the Loan Estimate separates them into different categories.

Some are lender or broker charges. Some are required services you cannot shop for. And some—including certain title, escrow, notary, and wire fees—may allow you to compare providers and pricing.

You don’t have to shop every service. You should simply know where you may have a choice.

First-Time Homebuyer Series: Part 2

NMLS #2230624 | Equal Housing Opportunity

08/17/2026

Buying your first home can feel overwhelming because suddenly you’re getting documents filled with numbers you’ve probably never had to look at before.

One of the most important is your **Loan Estimate**.

Before I tell my clients to worry about every fee and every line item, I tell them to verify three things first:

• Loan Amount
• Interest Rate & APR
• Estimated Cash to Close

If those three numbers make sense, then we can start digging into the rest.

This is Part 1 of my First-Time Homebuyer Series. Next, we’re going to break down the monthly payment and why the number you see under principal and interest isn’t necessarily what you’ll actually pay every month.

06/30/2026

A lot of homeowners are sitting on low mortgage rates and strong equity, but they feel stuck because they don’t want to refinance and lose the rate they already have.

That’s the “golden handcuffs” problem.

A cash-out refinance replaces the first mortgage. A HELOC may allow the homeowner to access equity through a separate second lien while keeping the low-rate first mortgage in place.

Not always the right move. But it is worth comparing before touching a great mortgage.

Homeowner or agent? DM me “HELOC” if you want to compare options. Homeowners CashOutRefinance MortgageEducation DebtConsolidation HomeRenovation

03/24/2026

It’s hard out here!

02/25/2026

🚨 El registro de California Dream For All ya está abierto.

Este programa puede cubrir hasta el 20% del precio de compra para el enganche a través de un sistema de sorteo.

🗓 La aplicación cierra el lunes 16 de marzo.

No es por orden de llegada, pero sí tienen que registrarse antes de la fecha límite.

Si quieren ver si califican, comenten “DREAM” o mándenme mensaje y revisamos sus números.

02/25/2026

🚨 The California Dream For All registration is now OPEN.

This program can provide up to 20% of the purchase price for down payment assistance through a voucher system.

🗓 Registration closes Monday, March 16.

It’s not first-come, first-served — but you must register before the deadline.

If you want to see if you qualify, comment “DREAM” or send me a message and I’ll run the numbers.

Joshua Lopez
Licensed Mortgage Loan Officer NMLS # 2230624
Got Mortgage Solutions.

Address

405 W Foothill Boulevard #201
Claremont, CA
91711

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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