Joshua Lopez - Mortgage Loan Officer

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.

02/04/2026

Part 2️⃣ — Dream For All explained 🏡📊
After the last video, a lot of people had follow-up questions, so this is a clearer breakdown of how the shared appreciation works, what actually gets paid back when you sell, and why your income level matters. This program can be powerful, but only if you understand the trade-offs first — no hype, just clarity.

If this helped you learn something new 💡, feel free to share it with someone who’s been confused about the program. And if you’re wondering whether Dream For All makes sense for your situation, send me a message 📩.

01/27/2026

🏠 ¡Grandes noticias para nuestras familias en California! El estado ha reabierto el programa de apreciación compartida Dream For All.

Este programa ayuda a compradores de primera vez y de primera generación con hasta un 20% para el enganche o gastos de cierre (máximo $150,000). 💵✨
Recuerda: El proceso será por sorteo, así que todos tienen oportunidad. El registro oficial comienza el 24 de febrero, pero ¡CUIDADO!, no puedes registrarte sin una pre-aprobación de un oficial de préstamos.

No esperes al último minuto. Si quieres saber si calificas como "comprador de primera generación" o quieres iniciar tu pre-aprobación, estoy a tus órdenes. 🤝
Comenta abajo o mándame un mensaje directo para platicar. 📲

01/23/2026

DM “DREAM” to get pre-approved 🚀
California Dream For All is back and nope — it’s not first come, first served. It’s a lottery 👀
Registration opens Feb 24, but you must be pre-approved to even get in.
I’m Joshua Lopez with Got Mortgage, helping California families make sense of programs like this without the fluff.
This video is just the overview — next one I break down the shared appreciation part 🧠🏡

01/14/2026

10/24/2025

🏡 Comment “ANAHEIM” below for more information!

The City of Anaheim is launching a brand-new down payment assistance pilot program called My Anaheim Home, set to open mid-November 2025.

✅ Up to $50,000 toward your down payment
✅ Deferred loan — no monthly payments
✅ 3% simple annual interest
✅ Must complete a HUD-approved homebuyer class
✅ First-come, first-served screening once applications open

There will also be City of Anaheim workshops on October 25th and November 1st where you can learn more about the program directly from the city.

If you’d like me to send you the full guide or details about the workshops, just comment “ANAHEIM” 👇 or DM me and I’ll point you in the right direction.

10/21/2025

Comment “Quartz” below and I’ll send you the address and a monthly payment scenario 👇🏽

Quartz Hill is one of those hidden pockets that still feels peaceful — and this home fits right in. .hrg2023 (my Realtor partner) just sent me this walkthrough, and honestly, it’s a solid find. Spacious layout, great light, and now even better news… the price was just reduced from $620,000 to $605,000.

If you’ve been waiting for that sign to make a move — this might be it. Levi will be hosting an open house this weekend, so you can walk it in person and see if it feels like “home.”

And if you’re curious what the monthly payment might look like at today’s rates, I’ve got you covered. Shoot me a message or drop “Quartz” in the comments and I’ll run the numbers for you.

🏡 Partnered with .hrg2023
💬 DM or comment “Quartz” for the address + payment details
📍Quartz Hill, CA.

09/02/2025

Comment “Azusa” below and I’ll DM you the details 👇🏽

The City of Azusa is offering up to $200,000 in down payment assistance for first-time homebuyers. This program is designed to help you finally get into a home — but it comes with guidelines:

✅ 3% deferred loan (no monthly payments, interest accrues at 3%)
✅ Up to $200K or 40% of the purchase price, whichever is less
✅ Max purchase price: $650,000
✅ Buyer must contribute at least 3% of their own funds
✅ Must be a first-time homebuyer (no ownership in the last 3 years)
✅ Home must be within Azusa city limits
✅ Must complete a homebuyer education course
✅ Income must be at or below 80% of LA County’s median income

This program expires October 2025, and once the funds are gone — they’re gone.

I’m Joshua Lopez, Mortgage Loan Officer (NMLS #2230624). I help families and first-time buyers in SoCal understand which programs they actually qualify for, and how to make the numbers work.

Comment “Azusa” below if you want me to break it down for your situation — I’ll DM you personally

08/28/2025

August 2025 brings a significant development for the housing market, and as your dedicated License Mortgage Loan Officer, I want to ensure you're equipped with the latest insights to make informed decisions.

We're witnessing a notable turn: Mortgage Rates have dropped to a 10-month low, now at 6.52% – the lowest we've seen all year! This isn't just a number; it's a direct response to evolving economic dynamics. The recent weaker jobs data has prompted a strategic shift in the Federal Reserve's focus. While combating inflation was paramount, their attention is now increasingly turning towards the stability of the labor market.

What does this mean for YOUR financial strategy?

Simply put, when rates decline, your budget gains more elasticity, and your homebuying power significantly increases. This is a powerful window of opportunity for both prospective homebuyers looking to maximize their budget and current homeowners considering strategic refinancing.

As a Mortgage Strategist in Training, my commitment is to help you navigate these shifts, understand their implications, and tailor a mortgage solution that aligns perfectly with your long-term financial goals.

Don't just watch the market – understand it and leverage it. Let's connect for a personalized strategy session to analyze how this current trend can benefit your unique situation.

Call to Action: Reach out to me directly at 323-762-9786 or visit joshualopezloans.com to discuss your options.