The Traveling Lender | Francisco Lopez NMLS#2757496
Serving Families Across the Country

Your Journey Home Starts Here.

Expert mortgage guidance tailored to your unique path — whether you're a first-time buyer, veteran, or seasoned investor. Let's navigate the road to homeownership together.

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Francisco Lopez, The Traveling Lender
Francisco Lopez
Loan Officer · NMLS #2757496
⭐ 5.0
Client Rating
About Your Lender

Meet Francisco Lopez, Your Guide Home

Hi, I’m Francisco — the Traveling Lender. My passion is helping everyday families find the loan that fits their unique journey, no matter where life takes them. From mountain towns to coastal cities, I bring expert mortgage guidance straight to you.

Whether you’re buying your first home, refinancing to save money, or investing in your future, I’m committed to making the process clear, fast, and stress-free. Think of me as your personal trail guide through the mortgage landscape.

Francisco Lopez — Licensed Mortgage Loan Officer, NMLS #2757496
Operating under Cornerstone First Mortgage, NMLS #173855.
Licensed to operate in accordance with applicable state and federal mortgage lending regulations. To verify licensing, visit nmlsconsumeraccess.org.

🎍 NMLS #2757496 🏛 Cornerstone First Mortgage Equal Housing Opportunity Equal Housing Lender 📋 NMLS #173855
Loan Programs

Every Path Has the Right Loan

From first-time buyers to seasoned investors, I offer a full range of loan products to fit your situation and goals.

🏠

Conventional Loans

The most common loan type. Competitive rates with flexible terms (10–30 years). Ideal for buyers with strong credit and stable income. Down payments as low as 3%.

🏛

FHA Loans

Government-backed loans with lower credit score requirements. Great for first-time homebuyers with down payments as low as 3.5% and more flexible qualifying criteria.

🎖

VA Loans

Exclusive to eligible veterans, active duty service members, and surviving spouses. Enjoy zero down payment options, no private mortgage insurance, and competitive rates. Thank you for your service.

🌾

USDA Loans

Designed for rural and suburban homebuyers who meet income requirements. Enjoy 100% financing with no down payment required in eligible geographic areas.

🏔

Jumbo Loans

Financing for higher-priced properties that exceed conventional loan limits. Tailored solutions for buyers seeking premium real estate with competitive jumbo loan products.

🔄

Refinance

Lower your rate, reduce your term, or tap into your home’s equity with a cash-out refinance. I’ll analyze your current situation and find the best refinancing path forward.

The Journey

How We Get You Home in 4 Steps

A straightforward process designed to make homeownership as smooth as a clear trail.

1

Free Consultation

We talk about your goals, budget, and timeline. Zero pressure, all clarity. Book online in seconds.

2

Pre-Approval

I gather your documents, run numbers, and get you a pre-approval letter so sellers take you seriously.

3

Loan Selection

Together we choose the best loan program for your situation — rate, term, and type — with no surprises.

4

Close & Celebrate

Sign the papers, get your keys, and start the next chapter. I’ll be with you every step of the way.

Mortgage Calculator

Estimate Your Monthly Payment

Use this tool to get a ballpark figure on your monthly mortgage payment. Your actual rate and terms will depend on your credit, loan program, and current market conditions.

⚠ Disclaimer: This calculator is for educational purposes only and provides estimates only. Results do not constitute a loan offer, commitment, or guarantee of any rate or term. Actual payments are subject to credit approval and market conditions. Contact me for a personalized quote.

Payment Estimator

Estimated Monthly Payment
$2,129
Principal & Interest Only
Loan Amount
$320,000
Total Interest
$446,455
Total Paid
$766,455
Est. Rate
7.000%

Estimate only. Does not include taxes, insurance, HOA, or PMI. Rates subject to change and credit approval.

Francisco Lopez at sunset
Why Choose Me

Expertise You Can Trust on Every Trail

🗺

Personalized Loan Strategy

No two journeys are the same. I build a custom loan plan around your specific goals, credit profile, and timeline.

⚡

Fast Pre-Approvals

Get your pre-approval letter quickly so you can move fast in competitive markets and never miss the right home.

📞

Real Human Communication

You’ll always reach a real person — me. No phone trees, no runaround. Just straight answers and honest advice.

🔍

Transparent Process

I walk you through every fee, every step, and every document so nothing surprises you at the closing table.

Client Stories

Happy Homeowners, Across the Map

★★★★★
“Francisco made the entire mortgage process feel effortless. He answered every question patiently, found us a rate we didn’t think was possible, and we closed in just 18 days. Truly the best lender experience we’ve ever had.”
MR
Maria R.
First-Time Homebuyer
★★★★★
“As a veteran, I had specific questions about VA loans that other lenders couldn’t answer. Francisco knew the program inside and out, got me zero-down financing, and saved me thousands. He’s the only lender I’ll ever use.”
DT
David T.
VA Loan Buyer
★★★★★
“I was nervous about refinancing but Francisco laid everything out clearly. Lowered my rate, reduced my payment by $400/month, and the whole process took less than three weeks. I can’t recommend him enough!”
SL
Sandra L.
Refinance Client
Common Questions

Answers for Every Trailhead

Different loan programs have different requirements. Conventional loans typically require a 620+ score, FHA loans may allow as low as 580 (or 500 with 10% down), and VA loans have no minimum set by the VA (though lenders may set their own floor). The higher your score, the better rate and terms you’ll receive. I’ll help you understand exactly where you stand and what steps can help you qualify for better terms.
It depends on the loan program. Conventional loans can start as low as 3%, FHA at 3.5%, while VA and USDA loans can offer 0% down for eligible buyers. A larger down payment usually means lower monthly payments and avoids Private Mortgage Insurance (PMI). We’ll find the right balance for your situation.
Typically you’ll need: 2 years of tax returns and W-2s (or 1099s if self-employed), recent pay stubs (last 30 days), bank statements (last 2–3 months), a government-issued ID, and information on any current debts. I’ll give you a full checklist after our initial call so nothing is missing when it’s time to apply.
Pre-approval can happen within 24–48 hours once we have your documents. From full application to closing typically takes 21–30 days, depending on the complexity of the loan, appraisal timelines, and how quickly documents are provided. I work hard to keep things moving and keep you informed every step of the way.
A hard credit pull for a mortgage typically results in only a small, temporary dip (usually less than 5 points). Additionally, if you’re rate shopping with multiple lenders within a 14–45 day window, the credit bureaus count those pulls as a single inquiry. The benefits of knowing your buying power far outweigh this minor temporary effect.
Absolutely. Self-employed buyers can qualify using 2 years of tax returns (personal and business), profit & loss statements, and bank statements. There are also bank statement loan programs specifically designed for self-employed borrowers. The key is stable income history — and I’ll help you organize your documents for the strongest possible file.
A Loan Estimate is a standardized form I provide within 3 business days of your application. It outlines your estimated interest rate, monthly payment, and closing costs so you can compare loan offers apples-to-apples. I always walk through this document with you line by line so you know exactly what you’re agreeing to.
Start Today

Ready to Plant Your Roots?

Your dream home is closer than you think. Book a free, no-obligation consultation and let’s map out your path to homeownership — together.

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🔒 Secure & Confidential
⚡ Pre-Approval in 24–48 Hrs
🤝 No-Obligation Consultation
🏛 NMLS Licensed & Regulated

Helping families across the country find the right mortgage — no matter where the road takes them. Expert guidance, transparent process, real results.

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Loan Programs

Get in Touch

📅 Book a Consultation

🏛 Cornerstone First Mortgage

📋 NMLS #173855

👤 Francisco Lopez

📋 NMLS #2757496


Schedule Now

Important Disclosures: Francisco Lopez (NMLS #2757496) is a licensed Mortgage Loan Officer operating under Cornerstone First Mortgage (NMLS #173855). All loan applications are subject to underwriting approval. Not all applicants will qualify. Loan approval is not guaranteed. Interest rates and programs are subject to change without notice and may not be available at time of commitment or closing.

Rates shown are for informational and educational purposes only and do not constitute a loan commitment or guarantee of any specific rate or term. Annual Percentage Rate (APR) and actual loan terms will vary based on creditworthiness, loan-to-value ratio, loan amount, property type, and other factors.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Lender.

To verify licensing information, visit the NMLS Consumer Access website at nmlsconsumeraccess.org and search for NMLS #2757496 (Francisco Lopez) or NMLS #173855 (Cornerstone First Mortgage).

© 2024 The Traveling Lender · Francisco Lopez NMLS #2757496 · Cornerstone First Mortgage NMLS #173855

Equal Housing Opportunity Equal Housing Lender