Andres Lopez- Community Home Lending Advisor- NMLS ID 1817134

Andres Lopez- Community Home Lending Advisor- NMLS ID 1817134 Contact me to start your home buying journey! Let's make your homeownership dreams a reality.🏡

03/06/2026

Closing day is always a special moment.

Behind every set of keys is a story — months of preparation, questions, documents, patience, and teamwork. Seeing clients reach the finish line of homeownership is one of the most rewarding parts of what I do.

Grateful to play a small role in helping families achieve such an important milestone. Congratulations to my clients on their new home! 🏡🔑

A special thank you to Marcela Moore for her collaboration and for helping guide our buyers through the process. Great teamwork all around. 🤝

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842

Music Credit: Don't Stop Believin' (Instrumental
Version) The O'Neill Brothers Group

02/26/2026

Houston is one of the most diverse cities in the country and the families we serve reflect that.

Buying a home can feel overwhelming, especially when English isn’t your first language. That’s why communication and clarity matter.

Our team is proud to serve our community in multiple languages because understanding the mortgage process should never be a barrier to opportunity.

If you’d like to explore your home financing options, you can start here:

🔗 Chase.com/personal/mortgage
🔗 https://locator.chase.com/mortgage

⸻

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842
music credits: Home - Phillip Phillips

02/26/2026

Mortgage Rate Update 📊

As of February 24, 2026, the average 30-year fixed mortgage rate is approximately 5.99%, matching a multi-year low and holding at levels we haven’t consistently seen in over three years.

What does that mean?

It doesn’t mean everyone qualifies for 5.99%.
Your actual rate depends on credit profile, loan type, down payment, and overall financial picture.

But nationally, being under 6% improves affordability compared to the higher rate environment we’ve been navigating.

Markets move daily. Strategy beats guessing.

If you’re thinking about buying or refinancing, now is a great time to run updated numbers and understand your options.

—

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 832-929-8842

Source:
Mortgage News Daily – Daily Mortgage Rate Update
https://www.mortgagenewsdaily.com/mortgage-rates

For more information low down payment options, visit Chase.com/affordablelending
For more information on VA home loans and other offers available, visit Chase.com/va-loan

For down payments less than 20% on conventional loans, mortgage insurance (MI) may be required and MI charges may apply.
FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and an FHA annual mortgage insurance premium (MIP) paid monthly will also apply.

02/21/2026

Approval isn’t based on opinion.
It’s based on underwriting mathematical calculations. 🧮🏡

Debt-to-Income is one factor — but automated systems evaluate the entire financial profile.

Understanding the structure changes how you prepare.

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842

Source:
https://www.chase.com/personal/mortgage/education/financing-a-home/debt-to-income-ratio

https://selling-guide.fanniemae.com/sel/b3-6-02/debt-income-ratios

02/21/2026

Grateful to be in rooms where growth, leadership, and community all come together.

Thank you to NAHREP Houston for inviting Chase to be part of the Real Estate Power Tables event. The roundtable conversations were powerful. From wealth building to investment strategy and leadership beyond production.

It’s always a privilege to connect, learn, and collaborate with professionals who are committed to elevating our industry and serving our communities at a higher level.

Looking forward to the next one. 🙌



⸻

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
(832) 929-8842

Music Credit: Family Affair Mary J. Blige

02/18/2026

Choosing the right agent isn’t just about personality, it’s about strategy.♟️

Your agent structures the offer.
Your lender structures the financing.
When both communicate effectively, the process is smoother and more predictable.

Chase’s homebuying education resources emphasize assembling the right team — including an experienced agent — to help guide you through the purchase process.

According to the National Association of REALTORS®, buyers continue to rely heavily on agents for contract guidance, negotiation strategy, and local market expertise.

Buying a home isn’t a solo sport. It’s coordination.

——

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842

📚 Sources:
Chase Home Lending Education Hub
Chase.com/personal/mortgage/education

How to find a good real estate agent for selling or buying
Chase.com/personal/mortgage/education/buying-a-home/find-real-estate-agent

National Association of REALTORS® – Home Buyer & Seller Generational Trends Report
https://www.nar.realtor/research-and-statistics/research-reports/home-buyer-and-seller-generational-trends

02/18/2026

Mortgage pricing isn’t random — it’s structured around risk.

Factors like credit profile, down payment, occupancy, and loan structure all influence pricing through what’s commonly known as Loan-Level Price Adjustments (LLPAs). That’s why two borrowers looking at the same property can receive different pricing.

Understanding how loans are structured helps you make better comparisons when shopping for a mortgage — because pricing is never one-size-fits-all.

Being informed puts you in a stronger position when it’s time to buy or refinance.

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842

Sources:
Chase – What Affects Mortgage Rates
https://www.chase.com/personal/mortgage/education/buying-a-home/what-affects-mortgage-rates 

CFPB – Loan Estimate (how to review/compare costs)
https://www.consumerfinance.gov/owning-a-home/loan-estimate/ 

Fannie Mae Selling Guide – General Requirements for Credit Scores (mentions LLPAs and references the LLPA Matrix)
https://selling-guide.fanniemae.com/sel/b3-5.1-01/general-requirements-credit-scores

02/15/2026

This Valentine’s Day, imagine surprising them with keys instead of flowers. The right home is something you fall in love with over and over again. 🔑/🌹

If you’re thinking about buying this year, let’s make sure you understand your options before you start shopping.

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 832-929-8842

Music Credit: Isn't She Lovely by Stevie Wonder

02/15/2026

Sometimes the best part of house hunting is imagining yourself already living there.

This home had one of those moments — quiet, relaxing, and easy to picture calling it home. 🛁

And while everyone talks about rates, many buyers don’t realize there are programs that can actually help with upfront costs in select markets. Right now, eligible buyers may qualify for a $5,000 Homebuyer Grant that can be used toward closing costs or down payment on applicable loans.

If you’re exploring homes or just starting the process, understanding your options early makes a big difference.

And as always — if you want more mortgage tips like this, follow me.

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842

Music Credit: A Quiet Space Timeless Hour
To learn more about our grants and other affordable lending options, visit Chase.com/affordablelending

Listing Link: https://s.hartech.io/mw9fA6BUyrAz
862 Paul Quinn St A, Houston, TX 77091

02/14/2026

Everyone asks about the rate… but very few ask about the payment structure.

Property taxes, insurance, and loan structure all play a major role in what you actually pay every month and these are often overlooked during the homebuying process.

The more you understand upfront, the smoother your path to closing will be.

Have questions about how your payment is really calculated? Let’s talk.

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842

Music Credit: Epical Dramatic Background DensoMusic
Source: https://www.chase.com/personal/mortgage/calculators-resources/mortgage-calculator

02/14/2026

Mortgage rates moved to multi-week lows — and it wasn’t random.

Even after strong economic data last week, the bond market stabilized and Mortgage-Backed Securities improved slightly, helping mortgage pricing move in a positive direction. Rates don’t move on headlines alone — they move based on how investors react to inflation, labor data, and market sentiment. 📉

Being informed and understanding market movement can help you make better timing decisions when purchasing or refinancing a home.

⸻

Andres Lopez
Community Home Lending Advisor
JPMorgan Chase
NMLS ID 1817134
📞 (832) 929-8842

Source: Mortgage News Daily
https://www.mortgagenewsdaily.com/markets/mortgage-rates-02122026 #

https://www.mortgagenewsdaily.com/share/mortgage-rates

Address

5240 W 34th Street Ste G
Houston, TX
77092

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 2pm

Telephone

+18329298842

Website

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