Headshot of Ricardo Rivera

Ricardo Rivera

Loan Officer

Allentown, PA Mortgage Lender

NMLS #2159014

Adress
1908 West Allen Street, Suite 116 & 117
Allentown, PA 18104
Contact Methods
Email
tel Phone
610-871-7285
mobile Mobile
(484) 987-0599
fax Fax
610-871-7285
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Ricardo

I became a loan officer in 2022 after being in the financial services field for six years and purchasing two homes because I wanted to educate the Spanish-speaking community about the homebuying process, which can at times seem very difficult to understand.

I’m dedicated, easily accessible and strive to demystify home financing by making complex mortgage terms easy to understand.

I’ll guide you every step of the way through your homebuying journey. We’ll start by discussing your goals so I can offer the right mortgage options for you. I’ll educate you about the different loan programs available – conventional, jumbo, FHA, and VA loans included – and help you find the right one to make your dreams a reality.

From when you apply for a home loan to when you receive the keys to your home, I’ll be there to support you. We’ll keep in close contact throughout the mortgage process so you’re always up to date on your loan and get answers to every question. And when you’re ready to refinance, I’ll be there to help with that, too. I look forward to giving you an outstanding homebuying experience.

When I’m not at work, I enjoy playing basketball, enjoying the pool, and traveling.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Homeowners in their new kitchen

Get $6,500 in down payment assistance

 

We want to put homeownership within your reach. CCM Community Promise can provide $6,500 in down payment assistance if you live in a qualifying neighborhood in select cities.

You must live in an eligible census tract in these communities at the time you apply for your home loan, but you can purchase a home anywhere in the United States.

Start your pathway to homeownership. Get in touch to see if you're eligible.

Contact Us

First-time homebuyers and their family celebrating in their new home

Buying your first home is possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you're more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

Let's get started

Recent Posts and Articles

Blog

  • Image of a man using a saw while doing a home improvement project.
    Published on

    Loans For Home Improvement

    Discover how to finance home improvement projects with ease. Learn about the different loan options available, qualification requirements, and the application process.

  • Couple sitting together on couch researches a cash-out refinance loan on their cell phone.
    Published on

    What Is A Cash-Out Refinance Loan?

    Unlock your home's equity with a cash-out refinance loan. Get funds for renovations or debt consolidation. Learn how it works and if it's right for you.

  • Man sitting on couch reviews financial records to help calculate his debt-to-income ratio (DTI).
    Published on

    How to Calculate Debt to Income Ratio

    Learn how to calculate your Debt-to-Income Ratio (DTI) to assess your financial health for loans. Discover tips to lower DTI and secure better loan terms.

  • Garden featuring a mix of flowers that flourish in the homeowners plating zone.
    Published on

    What Planting Zone Am I In?

    Find your USDA Plant Hardiness Zone to select plants thriving in your climate. Explore plating zones from Alaska to Puerto Rico for a flourishing garden.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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