Welcome! I’m Joshua Lopez, NMLS #2230624

Helping you navigate the mortgage process with confidence and clarity.

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Loan Programs I Work With

Conventional Loan

A mortgage loan that is not backed by a government agency. Ideal for borrowers with good credit and a stable income.

FHA Loan

Backed by the Federal Housing Administration, this loan is popular among first-time homebuyers with low down payment options.

VA Loan

Available to veterans and active-duty service members, offering benefits like no down payment and no mortgage insurance.

Down Payment Assistance

Finance all of your down payment and closing cost. Out pocket cost minimal

Jumbo

A mortgage that exceeds conforming loan limits designed for borrowers with higher incomes and strong credit who need to finance properties beyond standard loan caps.

Non QM

Designed for borrowers with irregular income or self-employed individuals. It’s ideal for borrowers who don't fit the standard guidelines for conventional loans but still have the means to repay

Mobile/manufactured

It's for buyers purchasing mobile or manufactured homes, with or without land, offering a more affordable housing option than traditional homes.

Down Payment Assistance

For borrowers who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. It’s typically used by non-U.S. citizens

Home Equity Line of Credit

a revolving credit line secured by your home's equity, allowing you to borrow funds as needed up to a set limit.

ITIN

An ITIN loan is a mortgage for borrowers with an Individual Taxpayer Identification Number, typically non-U.S. citizens without Social Security numbers,