If you’re like most people, purchasing a house is likely your largest personal investment. But you’re not buying just a “house,” and it’s by no means just an “investment.” You’re buying a “home,” the place where you rest and relax away from the wild world, raise your family and build the rich tapestry that is your life. At the same time, you’re putting your financial reputation on the line with an enormous personal loan that holds potently dire consequences.
Ryan Rivera, a veteran Mortgage Planner with 18+ years in the business of helping aspiring homeowners realize their dreams, understands the mix of elation and trepidation inherent with taking the gigantic leap of buying a home. Ryan’s helped shepherd countless buyers through the home loan process, from start to finish, giving them the opportunity to grab their slice of the American Dream.
Originally founding his own mortgage brokerage in his home town of Auburn more than a decade ago, Ryan built his business one deal at a time with careful attention to detail, transparent communication and a client-first mentality, developing a reputation as trusted financial resource and caring member of the community he continues to serve. A fact echoed by Ryan’s exclusive source of new business: Referral from area Realtors, financial planners, a myriad of local business owners and a whole lot of satisfied home buyers. And that’s incredibly important to Ryan, a hometown boy who, with his wonderful wife Kim, has chosen raise his two daughters in the place he’s always called home.
Joining Finance of America Mortgage affords Ryan the opportunity to do the same great work serving clients and supporting the community he cherishes, but with the prospect of reaching a vastly wider audience, and the benefit of an industry leading administrative, marketing and underwriting support team. So if you’re you are looking to buy a new home, make home improvements, manage debt, or lower mortgage payments, Ryan and his unbelievable team can help you choose a Mortgage Plan ideally suited to your particular needs and goals.
Get an idea of what your monthly mortgage payment may be, including costs associated with your mortgage such as property taxes, homeowners insurance, and Private Mortgage Insurance (PMI), if applicable.
Recalculate your new house payment based on loan amounts, interest rates, and other factors, to see if refinancing your mortgage is a smart financial move.
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
Schedule a talk with a mortgage advisor or leave a message. We’ll get back within one business day.