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Hi there. My name is ***** ***** I'm happy to help you with your question. Just like an in person consult, I have some questions of my own to help ensure I give you the best advice possible....
How long have you had her?
Do you know anything about her life before you?
Thanks for the additional information. I really appreciate it.
That lump to me looks like it could be a umbilical hernia.
Umbilical hernias are caused when there is a tiny hole in the abdominal lining which can cause loops of intestine to slip through. This generally happens near the umbilicus, or 'belly button'.
Small hernias are generally not a problem, however larger ones can cause intestinal strangulation if part of the intestine slips through and gets the blood cut off. Since your new girl is an adult, I don't feel like this is something that you need to rush to the emergency vet for or anything, but I would have your vet take a peek at it when you take her in for a general wellness exam.
Most vets can/do fix hernias when the animal is being spayed/neutered. I spent 2.5 years working at a high volume spay/neuter clinic where we fixed umbilical hernias on kittens as small as 1.5 pounds/8 weeks old and dogs as small as 2 pounds! This is a very, very common repair.
There's more information here: http://www.petplace.com/dogs/umbilical-hernia-in-dogs/page1.aspx
I hope this helps!!