here's a lotion tutorial for you.
http://soapnuts.com/lothelp.html
it shouldn't be lumpy you should mix at about the same temps, i do mine oils into water. slowly drizzling the oils in as i am stick blending. it helps if you have the main container in a cold water bath or at least sitting on a bag of ice.
sterilize everything in site before you even start. weigh out your water heat and hold your water, ( or whatever liquids you are using ) also heat and hold another container of water to replace what is lost during the heat and hold stage. i gently melt all butters, ewax and stearic acid while i;m waiting for the water to cool down.
i'm not sure if jenn at lotioncrafter's has a lotion tutorial on her site or not. but she does have lotion formula's.
i'll see if i can find her's and forward it to you. she was an awesome help to me when i started making lotions.