Steven Rivera - Mortgage Loan Originator

Steven Rivera - Mortgage Loan Originator VP of Mortgage Lending NMLS 1768650 at Rate (operating as Guaranteed Rate, Inc. in New York state) NMLS 2611.

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/fkhjXPloHGk/twTiq



NMLS # 1768650

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/fkhjXPloHGk/jQajF



NMLS # 1768650

08/31/2026

Preparation is the part of homebuying many people skip, yet it’s the part that pays off the most. The early steps are simpler than you think, and each one makes what follows easier.

Reach out anytime and I’ll help you find your starting line.
https://myoc.io/fkhjXPloHGk/17YvU



NMLS # 1768650

08/27/2026

You've spent years building equity in your home. The question a lot of homeowners ask next is what they can actually do with it. A HELOC is one option that may let eligible homeowners access a portion of that equity, up to an approved limit, for things like home improvements or other financial goals.

If you're wondering how your equity fits your bigger picture, let's talk it through.
https://myoc.io/fkhjXPloHGk/0E7ta



NMLS # 1768650

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/fkhjXPloHGk/dHfFN



NMLS # 1768650

08/24/2026

When your tax return doesn’t capture your full financial picture, it’s time to use your assets. Bank accounts, retirement accounts, investment portfolios, stocks, crypto and bonds could offer you loan amounts up to $5M, without a W-2.

I could qualify you for a mortgage using the wealth you’ve been building. Get in touch today and find out which doors your finances could open.
https://myoc.io/fkhjXPloHGk/iZrr7



NMLS # 1768650

08/20/2026

Do you know everything your monthly payment covers? Most people are surprised it's more than just principal and interest. Taxes and insurance are in there too, and that's the part most people miss.

If you've got questions about what makes up your payment, reach out to me today, I'm happy to walk you through it.
https://myoc.io/fkhjXPloHGk/KBaox



NMLS # 1768650

08/19/2026

A clearer housing plan starts with understanding your options. Renting may be right for now, but if you want more predictability in your
monthly budget, it may be worth seeing how homeownership compares.
https://myoc.io/fkhjXPloHGk/EUGcR



NMLS # 1768650

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last ye...
08/18/2026

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last year. More available homes could give buyers more to compare, while shifting activity means timing, budget and loan strategy matter. With the right options, you can better understand what fits your goals in a changing market.

Let’s review what today’s housing market trends could mean for your homeownership goals.
https://myoc.io/fkhjXPloHGk/1U5A8



NMLS # 1768650

08/17/2026

Refinancing isn't a now-or-never decision, it's a when-it-fits one. As your goals shift and life changes, it can be worth a fresh look at whether your current mortgage still matches where you are headed. No pressure and no rush, just a conversation when you are ready.

Save this for when the timing feels right, and reach out anytime you want to talk it through.
https://myoc.io/fkhjXPloHGk/8Nws0



NMLS # 1768650

Address

3940 N. Ravenswood Avenue
North Palm Beach, FL
60613

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm

Website

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