Erick Lopez, Loan Officer

10/22/2026

10/07/2026

A whole new market of buyers was just granted access to home ownership‼️ we no longer need a minimum credit score on conventional, FHA, VA or USDA loans. This is going to help so many more people get into their first home. If you have any clients that might fit the bill, send them over to me and let’s get them qualified today!

10/05/2026

Buying a home? The seller could help cover your closing costs 👀🏡 Seller concessions can go toward eligible closing costs, prepaid expenses, and a rate buydown—helping you bring less cash to closing.

DM me “CONCESSIONS” to learn how this could work for you!

09/28/2026

Let’s not beat around the bush, rates have gone up. But like with everything, there is a silver lining and a way to flip this to your advantage. Higher rates tend to scare buyers away and leave homes on the market for longer. This gives you negotiating power that you wouldn’t otherwise have in a competitive market.

Use that power to negotiate a lower purchase price and more seller concessions. If you want to see an example with real numbers, comment below or send me a DM.

09/18/2026

Have you guys tried Buccee’s Spicy pickled eggs??

Btw gas at Buccee’s is almost a dollar cheaper so don’t say I didn’t put ya’ll on

09/14/2026

If I wanted to buy a house in 6 months, this is what I would do:

1️⃣ Speak with a Mortgage Originator(like me👋) so they can review your income, debts, and assets.
This is the most important step, because it shows you exactly where you stand and what to work on if need be.
2️⃣ Establish a comfortable monthly payment for yourself
3️⃣ Start saving towards your down payment and closing costs. Your minimum down payment depends on the loan program, which is why it’s important to speak with a mortgage originator like myself. We’ll get you a mortgage that’s right for YOU!

09/11/2026

How much house can you afford if you make $80k a year?

Truth is, that’s can vary heavily based on your debts and down payment. In order to truly know, we have to look at the whole picture.

The best course of action is to find out where you stand so that you can build from there.

09/10/2026

Waiting for the “perfect time” to buy? Truth is, it doesn’t exist.

Rates, prices, market conditions… there will always be a reason to wait. The real move is getting ready so when the right home shows up, you’re not scrambling.

Talk to a Loan Originator (Me 👋) and find out exactly where you stand. No pressure, no guessing, just clarity.

Comment “Goal” and we can see where you stand.

09/09/2026

For my Self-employed people! Being your own boss doesn’t mean you can’t buy a home. If your taxes aren’t showing the full picture of what you actually earn, you have options.

There are many different programs we can use to document your income, we just need to find the best one for you.

09/09/2026

Qualifying for BOTH mortgages is a problem buyers often face when looking to upgrade to their next home.

These new guidelines might ease that tension. You no longer need to have a tenant already in place, relieving you of unneeded stress. Now, lenders may document market rent using an appraisal, 1007, or 3 comparable rentals.

For my realtors, this doesn’t mean everyone will qualify, but it could open up some possibilities for your clients looking to upgrade.

Comment or send me a DM if you have any questions!