Russell Rivera Home Loans

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Russell Rivera Home Loans Contact Russell Rivera at Kal Financial for all of your home financing needs. As a direct lender and broker, we can find the right product for you!

Jordan served our country. Then she decided it was time to buy her first home.She is a veteran and a registered nurse. S...
09/29/2026

Jordan served our country. Then she decided it was time to buy her first home.

She is a veteran and a registered nurse. She bought in Aptos — a coastal community in Santa Cruz County. And she did it with zero down.

VA loans exist specifically for people like Jordan. No down payment. No PMI. Ever. Competitive rates. And a process that — when you work with someone who actually knows it — is as smooth as any other loan.

Swipe through to read her full story and her review in her own words.

If you are a veteran or active military and you think homeownership is out of reach — I want to talk to you. You earned a benefit that most lenders never take the time to fully explain.

Tag a veteran who deserves to know about this. DM me the word QUALIFY and I will walk you through exactly what you qualify for.

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Russell Rivera Home Loans | NMLS No. 967163 | VA loans subject to VA eligibility and lender guidelines. Not a commitment to lend. Licensed in CA and 40+ states.

09/25/2026

Ask your seller for a 2-1 buydown. Year one at 5.5 percent — $16,444 per month. That is $3,049 less every single month. Year two — $17,935. Year three — full rate.

To qualify you need around $650,000 household income. C-suite. VP with stock comp. Two senior tech salaries. A founder who has been building.

Los Gatos is not for everyone. But for the people it is for — there is nowhere quite like it.

Would you buy here at $2.9 million? Drop it in the comments.

DM me QUALIFY and I will run your numbers. Russell Rivera Home Loans | NMLS No. 967163 | $2,900,000 purchase · 20% down · $2,320,000 jumbo · 7.500% note rate · 7.544% APR · 2-1 buydown · taxes and insurance included · loan qualifies at note rate · not a commitment to lend · licensed CA and 40+ states.

Every client I close gets one of these.It is called The Exit Strategy Planner. It is a workbook I wrote specifically for...
09/24/2026

Every client I close gets one of these.

It is called The Exit Strategy Planner. It is a workbook I wrote specifically for homeowners and families. It helps you consolidate everything — your accounts, your assets, your passwords, your estate information — all in one place.

So that when something happens — whether that is setting up a living trust or something more unexpected — your family has everything they need. In one place. No scrambling. No confusion.

I give it to every client at closing. Not as a sales tool. As a genuine closing gift. Because buying a home is one of the biggest financial decisions of your life — and the conversation should not end at the closing table.

Has your lender ever given you anything like this?

Drop it in the comments — yes or no. I am genuinely curious.

And if you want a lender who thinks about your whole picture — not just the transaction — DM me the word QUALIFY.

Link in bio.

Russell Rivera Home Loans | NMLS No. 967163 | Not a commitment to lend. Licensed in CA and 40+ states.

09/23/2026

A retired couple came to me wanting to buy a $1.6 million duplex as an investment property. $600,000 down. Strong financials. Great portfolio.

Two banks said no.

The reason both times was the same — their income was a brokerage draw and the lenders could not make the numbers work using personal income alone.

When they came to me I asked a different question. Tell me about the property.

Turns out the duplex generated strong consistent rental income from both units. That changed everything.

There is a loan called a DSCR loan — Debt Service Coverage Ratio. Instead of qualifying based on what you personally earn, we qualify based on what the property earns. Their personal income never came into the equation. The duplex qualified itself.

$1.6 million purchase. $600,000 down. Two bank denials behind them. Investment property in hand.

If you are a real estate investor, retired, or self-employed — and someone has told you no — I want to talk to you. The loan that works for your situation might not be the one you have heard of.

DM me the word QUALIFY. Let’s look at what you actually have.

Link in bio.

Russell Rivera Home Loans | NMLS No. 967163 | DSCR loans subject to property income verification, credit approval, and lender guidelines. Scenario based on actual client outcome. Details modified to protect client privacy. Not a commitment to lend. Licensed in CA and 40+ states.

Bay Area buyers — settle this debate once and for all.Bigger home or better location?Because in this market you almost n...
09/19/2026

Bay Area buyers — settle this debate once and for all.

Bigger home or better location?

Because in this market you almost never get both. You can have the 2,200 square foot house in a quieter neighborhood with a longer commute. Or you can have the 1,400 square foot home two blocks from downtown with top-rated schools and a Trader Joe’s within walking distance — at a higher price per square foot.

Everyone has a strong opinion on this one. And in my experience the answer usually comes down to what stage of life you are in.

Which would you choose? Drop it in the comments. I want to know where Bay Area buyers actually land on this.

And if you want to know what either option actually costs you monthly right now — DM me the word QUALIFY. I will run the numbers for both scenarios.

Link in bio.

Russell Rivera Home Loans | NMLS No. 967163 | Not a commitment to lend. Licensed in CA and 40+ states.

09/18/2026

Listing agents. Buyer’s agents. This one is for you.

November 2nd is 47 days away. That is when UAD 3.6 becomes mandatory for every conventional loan sold to Fannie Mae and Freddie Mac. If you have not talked to your lender about this yet — watch this reel right now.

Here is what changes. Appraisers are now required to break down quality and condition room by room. 150 new data fields. Down to HVAC, roof age, and individual components. The old 1004 form is gone permanently. One dynamic report replaces everything.

Listing agents — get every upgrade receipt and building permit from your seller before the appraiser walks in. Your MLS photos and property descriptions need to go deeper than they ever have. If the documentation is not there to support the appraiser’s condition ratings your close slips.

Buyer’s agents — call your lender this week. Two questions. Are you live on UAD 3.6 today? And how fast are you ordering the appraisal once we are in contract? If they hesitate on either answer — that is a problem worth solving before you are under contract.

One more thing. November has Veterans Day and Thanksgiving. Closings will be compressed. The listing agents and buyer’s agents who prepare now are the ones whose clients close on time.

I am already UAD 3.6 ready. My lender partners are live on it today. If you need a mortgage broker who will not slow down your November closes — DM me now.

Did your lender already tell you about this? Drop it in the comments.

Link in bio.

Russell Rivera Home Loans | NMLS No. 967163 | UAD 3.6 mandatory November 2, 2026 for conventional loans sold to Fannie Mae and Freddie Mac. Not a commitment to lend. Licensed in CA and 40+ states.

Honest question for Bay Area buyers and future buyers.What monthly mortgage payment would make you say yes — I am ready ...
09/16/2026

Honest question for Bay Area buyers and future buyers.

What monthly mortgage payment would make you say yes — I am ready to buy?

Under $6,000? $6K to $8K? $8K to $10K? Or is there a number above which you just say not happening? Drop your range in the comments. No judgment — everyone’s situation is different and every number tells a different story.

And if you want to know what your number actually buys you in the Bay Area right now — DM me the word QUALIFY. I will run it in five minutes.

Russell Rivera Home Loans | NMLS No. 967163 | Not a commitment to lend. Licensed in CA and 40+ states.

09/15/2026

Every month you write that rent check — someone else’s mortgage gets paid. Someone else builds equity. Someone else gets wealthier.

I am not saying that to make you feel bad. I am saying it because it does not have to stay that way.

Here is what most Bay Area renters do not realize. The $4,200 a month you are already paying could be working for you instead of your landlord. At current rates with a 2-1 buydown negotiated from the seller — that same payment gets you into a home. Your payment builds equity every single month. Your name is on the deed.

Ten years from now you are not still renting. You are sitting on hundreds of thousands of dollars in equity — built one monthly payment at a time.

The gap between renting and owning in the Bay Area is smaller than most people think. It is not about waiting for rates to drop or saving another hundred thousand dollars. It is about finding the right loan structure for where you are right now.

That is exactly what I do.

DM me the word QUALIFY and I will show you what is possible with your specific numbers. No pressure. Just the math.

Link in bio.

Russell Rivera Home Loans | NMLS No. 967163 | Payment comparisons are illustrative. Actual mortgage payments vary based on purchase price, down payment, loan amount, rate, taxes, and insurance. Not a commitment to lend. Licensed in CA and 40+ states.

If you have a deal in trouble right now — DM me immediately. If you want to have my number saved for when it happens — D...
09/12/2026

If you have a deal in trouble right now — DM me immediately. If you want to have my number saved for when it happens — DM me the word QUALIFY and let’s get acquainted before the crisis.

Link in bio.

Russell Rivera Home Loans | NMLS No. 967163 | Not a commitment to lend. Licensed in CA and 40+ states.

Meanwhile the person who bought at 7 percent two years ago just refinanced into 5 percent and has two years of equity on...
09/11/2026

Meanwhile the person who bought at 7 percent two years ago just refinanced into 5 percent and has two years of equity on top of it.

Marry the home. Date the rate.

Agree or disagree — drop it in the comments. I genuinely want to hear your take.

And if you want to know what buying today actually looks like for your specific situation — DM me the word QUALIFY.

Link in bio.

Russell Rivera Home Loans | NMLS No. 967163 | Not a commitment to lend. Rate projections based on Fannie Mae August 2026 Housing Forecast. Licensed in CA and 40+ states.

Address

2542 S. Bascom Avenue, Ste 130
Campbell, CA
95008

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+14084127338

Website

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