About Raquel Rivera
Helping first-time homebuyers, veterans, No Tax Return loans, and investors in Florida and California buy homes with confidence, without the stress. Hi, I'm Raquel Rivera, a mortgage loan officer based in Riverside, CA helping clients navigate the home financing process with clarity and confidence for 30 years and over 1,000 families helped. I specialize in working with first-time homebuyers, veterans, No Tax Return loans, and investors across North Florida, Jacksonville, St. John's County, Palm Coast, Southern California, Riverside, Orange, LA and San Diego Counties offering tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: - Buying your first home - Exploring refinancing options - Looking into programs like Non-QM, FHA, VA, Down Payment Assistance, Jumbo, Conventional, Bridge, Reverse I'll walk you through your options and help you choose the right strategy—not just the easiest one. What sets me apart: - I specialize in strategizing unique income, complex properties such as Condotels, and Condos, Cash out Refi's, Deferred Maintenance Refi's, House Hacking, Shared Living, and Assisted Living homes. - My patience, calmness and clear education on the process as well as setting proper expectations. - My experience has built unique ways to build a loan that would make homeownership a reality. My success is due to finding a way to make a loan work for all types of clients. My willingness to stay close to my clients as they work on getting ready for homeownership allows me to help clients realize their goals. My 5 star service makes the process extremely smooth and stratifying. For me this is not work this but rather a personal way to be of service to my community. - I like to meet the client where they are. If they are nervous going in then I increase how many times we speak daily/weekly. I am sure to check in on how they are feeling. If there is a client that likes quick updates and fast closings then I execute my service to meet the need of the client from FTHB, investors, Seniors or Self Employed. All clients receive my full attention to the details of their experience! Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals—I'll help you break it down clearly. I've helped clients throughout Florida and California secure financing for homes ranging from all price ranges and property types and I'm proud to be a trusted resource for both buyers and local real estate agents. Check out my client reviews below to see what it's like to work together. When I'm not helping clients, you'll find me marketing and helping small businesses scale business which is my favorite hobby. I love sharing my knowledge to help my community business owners! I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 0.00
*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 6809 Brockton Ave, Riverside CA, 92506