Pat Lopez Mortgage Banker NMLS 138266

Pat Lopez Mortgage Banker NMLS 138266 I take pride in my reputation as an honest, straightforward lending professional. NMLS 138266

09/17/2026

🥂 What an incredible night at Bok Bar!

Our 2nd Client Appreciation Event was all about the people who make what we do possible—our clients, referral partners, friends, and real estate community.

Great conversations. Great relationships. A few drinks. And one incredible Philadelphia view. 🌇

Most importantly, THANK YOU for your trust, business, referrals, and continued support.

A special thank you to our sponsors who help make events like this possible:

Core Inspection Group LLC • 4 Hills Junk Removal • Bruce Datil | Allstate Insurance • Savvy Custom Swags • Tiger Adjusters • Quaint Oak Abstract

🎥 Powered by Just Blessed Media — Media Partner
Capturing Moments. Elevating Brands. Amplifying Impact.

This is what The Closers Club is all about: bringing good people together and building stronger relationships.

Until the next one! 🥂

— Pat Lopez | The Real Estate Show with Pat Lopez

09/12/2026

📈 The 2026 housing market just experienced a major reversal.

We started the year with mortgage rates in the low 6s—and even the high 5s—giving many people hope that 2026 would be a stronger year for real estate.

Now we're approaching 7% again.

That’s almost the reverse of 2025, when rates declined during the second half of the year and helped strengthen market activity.

So what happens if rates remain elevated through the rest of 2026?

🎙️ Pat Lopez breaks down what buyers, sellers, and real estate professionals should be watching.

▶️ Watch the full episode:
https://youtu.be/MOSW9PITr8U?si=3kXG_qPHZwuxF5jc

09/07/2026

🚨 What if the biggest appraisal change isn't the new report—but needing fewer traditional appraisals?

The conversation around UAD 3.6 tends to focus on the new reporting requirements, but Michael Coyle of The Coyle Group raised a much bigger issue on The Real Estate Show with Pat Lopez:

𝘿𝙖𝙩𝙖.

More standardized property data can make it easier to aggregate information, improve automated valuation models, and potentially expand the use of appraisal waivers and hybrid appraisals.

With a hybrid appraisal, a property data collector can photograph and measure the home, then send that information to a licensed appraiser who handles the technical valuation and analysis.

That changes where the appraiser enters the process.

So while agents and lenders are preparing for UAD 3.6, the longer-term question may be:

What does the traditional residential appraisal look like five years from now?

🎙️ Watch Michael Coyle break down the changes and what they could mean for real estate professionals:

https://youtu.be/sVBcYF9qNa4

🚨 The appraisal process is changing. Are you ready?Join Pat Lopez for a special Power Hour: Real Estate Mastermind featu...
09/06/2026

🚨 The appraisal process is changing. Are you ready?

Join Pat Lopez for a special Power Hour: Real Estate Mastermind featuring a guest appraiser, LIVE demo + Q&A.

🏠 See the appraisal process through an appraiser’s eyes and learn:

• What’s changing with appraisals
• What agents need to watch for
• How changes may impact transactions
• How to better prepare buyers and sellers
• What to expect during the appraisal process

📅 September 15
⏰ 6–7 PM ET
💻 LIVE Online
🎟️ FREE Registration

Bring your questions—we’re making this session practical, interactive, and focused on helping you become a better resource for your clients.

Real Knowledge. Real People. Real Results.

Presented by Power Hour with Pat Lopez
Executive Produced by Just Blessed Media
Premier Sponsor: Brian King | Allstate Insurance

👉 Register today —https://www.eventbrite.com/e/power-hour-with-pat-lopez-the-new-appraisal-is-coming-tickets-1999532266836?aff=oddtdtcreator&keep_tld=true

09/06/2026

🚨 Real estate appraisals are about to get a lot more complicated.

This isn’t just an adjustment for appraisers. Agents, lenders, underwriters, buyers, and sellers are all going to feel it.

The new appraisal process means:

📋 New workflows
⏱️ More time involved
📊 More property data being collected
💻 New appraisal software and technology
🏠 More detailed information for lenders and underwriters to review

Think of it like upgrading from a basic car to a luxury vehicle. Both get you from Point A to Point B—but one has a lot more technology, complexity, and cost built into it.

And that’s exactly why real estate professionals need to understand these changes before they start affecting transactions.

🎙️ Watch the full conversation from The Real Estate Show with Pat Lopez Patrick Lopez

09/01/2026

🚨 Your appraiser may NOT require a repair—but the underwriter still could.

That’s an important distinction real estate agents need to understand with the new appraisal reporting format.

Appraisers are being required to provide significantly more detail about a property, including:

🏠 Room-by-room condition
🔨 Repairs and deferred maintenance
📸 More detailed property documentation and photos
⚠️ Potential condition or safety concerns

And that additional information gives the underwriter more to review.

Here’s a perfect example 👇

An appraiser notices a stain on the ceiling and documents it as deferred maintenance.

The appraiser may not require a repair.

But the underwriter could see that same information and say:

👉 Is there an active roof leak?
👉 Is this a potential safety or property-condition issue?
👉 Do we need a roof certification before closing?

That could mean additional inspections, documentation, repairs—or potentially delays in getting the loan cleared.

📌 The big takeaway for agents: When you see additional repair requirements, it may not necessarily be the appraiser making the call. More detailed appraisal reports can give underwriting additional information to evaluate.

And this applies to Fannie Mae and Freddie Mac conventional financing.

🎙️ Pat breaks down what real estate professionals need to know about the changing appraisal process.

Watch the full podcast —https://youtu.be/OPm2coZzyfs?si=ahR8WSq_BndqSG0G

🎬 The Real Estate Show with Pat Lopez

08/30/2026

🚨 The appraisal process is changing—and deferred maintenance is a bigger deal than ever.

Appraisers are looking way past market value and diving deep into a property's actual condition. Issues once overlooked are now red flags.

What you need to know:

🏚️ Deferred Maintenance: Wear like deteriorating mortar or water damage now triggers mandatory inspections.

🔨 Unpermitted Work: Unpermitted renovations face heavy scrutiny.

⏱️ Closing Delays: Extra documentation and follow-ups can drag out appraisal timelines.

💰 Added Costs: Mandated structural or professional evaluations add unexpected closing expenses.

In this episode, I share how deteriorating brick mortar prompted an appraiser to demand a full structural inspection—and what it means for the current market.

🏠 Property condition can no longer be an afterthought for buyers, sellers, or agents.

🎙️ Watch the full conversation on YouTube:
https://youtu.be/OPm2coZzyfs?si=X9cfa2XFe33O9cJ3

🎬 The Real Estate Show with Pat Lopez

08/25/2026

🚨 MLS platforms are changing to stay relevant.

With growing competition in real estate search, Bright MLS is giving agents more flexibility—including expanded options around Coming Soon listings.

Why does that matter? 👇

🏠 Build interest before a property officially hits the market
⏱️ Avoid starting the Days on Market clock too early
🏗️ Give new construction more time before showings begin
🏢 Create flexibility for occupied multifamily properties where access can be difficult

As Pat explains, there can be some very practical reasons to use a Coming Soon strategy.

But the bigger question is: How will MLS platforms continue evolving as competition for real estate search heats up?

🎙️ Watch the full conversation:
https://youtu.be/lvzGpOY9ywE?si=iJKVgEsYgQGVb1t6

🎬 The Real Estate Show with Pat Lopez

08/24/2026

Inventory remains below pre-pandemic levels, yet buyers are scarce and cautious. Sellers, holding onto low interest rates, are equally hesitant to list. This creates a unique market stalemate.

Address

100 Spring Garden Street
Philadelphia, PA
19123

Telephone

+12678002132

Website

,

Alerts

Be the first to know and let us send you an email when Pat Lopez Mortgage Banker NMLS 138266 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category