Veronica Lopez NMLS #1693636

Veronica Lopez NMLS #1693636 Sr. Loan Officer at Secure Choice Lending NMLS1689518, turning homeownership dreams into reality.

Movement Mortgage, NMLS #39179
74-710 Highway 111 Suite 102 Palm Desert, CA 92260
(760) 501-1073 • www.movement.com
For licensing information, go to www.nmlsconsumeraccess.org

09/01/2026

Want to increase the home purchase price you qualify for? I typically look at three major areas:

1. Improving your credit score
2. Reducing monthly debt
3. Lowering the interest rate when possible

For some down-payment assistance programs, getting your credit score above a certain threshold may allow more flexibility. Paying off the right debts can reduce your debt-to-income ratio, while seller concessions or personal funds may sometimes be used to buy down the interest rate.

The right strategy depends on your complete financial picture. Comment “WORKSHOP” to learn how to prepare for homeownership.

08/26/2026

Your estimated mortgage payment can change before you’re under contract—and it isn’t always because something changed with your credit.

Mortgage rates can move daily, sometimes even during the same day. Your estimated payment can also change based on the property’s taxes, homeowners insurance, flood insurance, HOA dues, or special assessments such as Mello-Roos.

That’s why I update the numbers for each property instead of relying on one general estimate.

If you want to understand what may affect your future mortgage payment, comment “WORKSHOP” below.

Two years. 25 pounds. A completely different relationship with myself. 🤍I almost didn’t post these because sharing the “...
08/26/2026

Two years. 25 pounds. A completely different relationship with myself. 🤍

I almost didn’t post these because sharing the “before” feels a little vulnerable. But I’m really proud of her too. 🥲

This wasn’t an overnight transformation. This wasn’t a 30 day challenge. It was two years of showing up. Some seasons were easier than others. Some days I was motivated, plenty of days I wasn’t. I just kept going.

Somewhere along the way, the goal stopped being just about losing weight and became about getting stronger, building discipline, and seeing what my body was capable of.

25 pounds may not sound dramatic on paper, but these pictures remind me how much can change when you give yourself time and consistency.

Grateful for the coaches who have been part of this journey, Z-Fit | Become the Best Version of Yourself and Raul Thank you for pushing me, challenging me and helping me discover just how strong I can be. ❤️

Still a work in progress. Still showing up. And very freaking proud of how far I’ve come. 🥹💪🏼

08/26/2026

Did you know that making a large payment toward your mortgage principal may allow you to lower your monthly payment?

It’s called a mortgage recast. After applying a lump sum toward your principal, you can ask your mortgage servicer whether they can recalculate your monthly payment using the lower balance.

A recast isn’t the same as refinancing, and availability depends on your loan and servicer. Before sending a large payment, confirm the requirements and whether your loan is eligible.

Want to learn more about planning for homeownership? Comment “WORKSHOP” below.

08/25/2026

Before co-signing an apartment lease for a friend or family member, consider how it could affect your plans to buy a home.

Ask the property management company whether the lease and monthly obligation will be reported to the credit bureaus. If it appears on your credit, a lender may need to count that payment as part of your debt when determining how much house you can afford.

Never co-sign a financial obligation without first understanding how it could affect your mortgage qualification.

Planning to buy a home soon? Comment “WORKSHOP” below.

08/24/2026

If you have a 30-year fixed mortgage, why can your total monthly payment still increase?

Your principal and interest remain fixed, but property taxes and homeowners insurance can change. If either one increases, your mortgage servicer may adjust the amount collected through your escrow account.

That’s why an increased payment doesn’t necessarily mean your interest rate or original loan changed.

Understanding every part of your future housing payment is an important part of preparing for homeownership. Comment “WORKSHOP” to learn more.

08/23/2026

Did you receive a raise while preparing to buy a house—or while you’re already in escrow?

Whether I can immediately use that additional income depends on how you’re paid. A permanent hourly raise with consistent full-time hours or an increase in salary can often be used right away. If your hours vary, I may still need to calculate your qualifying income using an average.

Before assuming your raise will increase your purchasing power, let me review how the new income must be documented.

Comment “WORKSHOP” to learn more about qualifying for a mortgage and available homebuying programs.

08/23/2026

Not all mortgage lenders have the same guidelines.

I once helped a client who had been denied by a large bank. Because I work as a mortgage broker and can compare options from different lenders, I found a loan that fit their situation—and we successfully closed escrow.

A denial from one lender doesn’t always mean you’re unable to buy a home. Sometimes your application simply needs a different loan option, lender, or strategy.

If you’ve been denied for a mortgage or don’t know where to begin, comment “WORKSHOP” below.

08/20/2026

A six-month employment gap doesn’t necessarily mean you must wait years to buy a home.

If you return to a stable full-time or salaried position, it may be possible to qualify much sooner than you expect. However, variable or part-time hours could require additional employment history before that income can be used.

Every employment situation is different, which is why I review the complete job history instead of immediately telling someone no.

If you would like to know about down payment assistance program. Message WORKSHOP and I’ll send you a free workshop on these programs

Address

41865 Boardwalk #209
Palm Desert, CA
92211

Telephone

+17605011073

Website

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