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Melissa Figueroa Rivera Mortgage Loan Officer NMLS# 1419188

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United States
Des Moines, IA
Melissa Figueroa Rivera Mortgage Loan Officer NMLS# 1419188

Making Homeownership simple, honest and stress-free
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10/30/2026

Our Member Experience Spotlight this week is Stephanie Caceres, Member Service Associate at our Des Moines Merle Hay Rd branch. To connect with Stephanie, visit https://www.greenstate.org/staff/StephanieCaceres.

10/06/2026

Sometimes even the Mortgage Chef has to step away from the kitchen. 👩‍🍳❤️

I’m currently taking some time away on medical leave to focus on my health, rest, and recovery. This isn’t goodbye — just a little time to take care of myself.

I’m incredibly grateful for every client, referral partner, friend, and person who has supported me along the way. Your patience, kindness, and understanding mean more than you know.

I’ll be back — stronger, recharged, and ready to keep cooking up dreams of homeownership. 🏡✨

See you soon. ❤️

09/22/2026

🏡👩‍🍳 A bigger approval doesn’t mean you need a bigger house.

When I work with first-time homebuyers, I don’t just want to know what you can qualify for.

I want to know what payment feels comfortable for your life.

Because owning a home should still leave room for dinner out, vacations, savings, your hobbies…and those Target runs that were only supposed to be $20. 😂

That’s part of my job as your Mortgage Chef: helping you put together a mortgage recipe that makes sense for you.

📲 Thinking about buying your first home? Contact me and let’s start with the numbers before you start falling in love with houses.

Equal Housing Opportunity NMLS # 1419188
www.GreenState.org/MelissaFigueroaRivera

09/21/2026

🏡 MORTGAGE MYTH MONDAY 👩‍🍳

MYTH: “I need to have everything figured out before I talk to a lender.”

This one is personal to me because I meet so many people who wait to reach out because they’re embarrassed about their credit, worried they don’t have enough saved, or simply have no idea where to start.

And I want you to know something:

You don’t need to have it all figured out before you call me. That’s literally what I’m here for.💚

I’m not here to judge your finances or tell you that you should’ve done something differently three years ago.

I’m here to sit down with you, look at where you are today, explain your options in plain English, and help you create a recipe for where you want to go next. 👩‍🍳🏠

Sometimes the answer is, “You’re ready now!”

Sometimes it’s, “We have a little work to do first.”

Either way, you leave with a plan.

So if buying a home has been sitting quietly in the back of your mind, stop wondering whether you’re “ready enough” to ask questions.

📲 Message me. No pressure. No judgment. Just a conversation and a plan.

— Melissa | The Mortgage Chef 👩‍🍳🏡
“Cooking Up Smarter Mortgages One Buyer At A Time”

Equal Housing Opportunity NMLS # 1419188
www.GreenState.org/MelissaFigueroaRivera

09/20/2026

✨ Sunday inspiration from the Mortgage Chef 👩‍🍳🏡

Life has a funny way of reminding us that the best things aren’t always rushed. A great recipe takes time, the right ingredients, a little patience—and sometimes a whole lot of faith. ❤️

The same is true for life, love, and the dreams we’re building.

Today, I’m grateful for the people who make the journey sweeter, the lessons that make us stronger, and the opportunity to keep creating a life I’m proud of—one day at a time.

Whether you’re building a relationship, a career, or dreaming about a place to call home… keep going. Your recipe is still coming together. 🏡❤️👩‍🍳

— The Mortgage Chef

09/18/2026

☀️🏡 Today’s mortgage forecast: 100% chance someone asks me, “What are interest rates doing?” 😂

Rates change. Your goals matter. And checking rates every five minutes isn’t a homebuying strategy… it’s just anxiety with Wi-Fi. 📱🤣

Instead of trying to time the “perfect” rate, let’s find out what buying a home would actually look like for YOU.

👩‍🍳🏡 Let the Mortgage Chef worry about the ingredients.

🔥 Thinking about buying a home? Send me a message or call me today and I’ll help you figure out your buying power, estimated payment, and next steps. No guessing—let’s run the numbers.

Equal Housing Opportunity NMLS # 1419188
www.GreenState.org/MelissaFigueroaRivera

09/18/2026

Behind every great video, there are a few tries 🤭

09/17/2026

🏡👩‍🍳 Today’s Mortgage Chef Recipe: Don’t Drain Your Savings!

Buying a home shouldn’t mean emptying your bank account. 💰

A good homebuying recipe considers:
🥄 Your down payment
🥄 Closing costs
🥄 Moving expenses
🥄 AND money left over for life after closing!

The goal isn’t just to get you into a home—it’s to help you understand your options and create a mortgage plan that fits your budget. 🏡❤️

Ready to see what YOUR homebuying recipe could look like? Contact me today!! 📲

Equal Housing Opportunity NMLS # 1419188
www.GreenState.org/MelissaFigueroaRivera

09/17/2026

What an amazing event to attend!! It was great to hear from so many successful women business owners on how to overcome obstacles in life. Check them out!! Taking Up Space. Realtor Maria Arreola with Re/Max Precision Melanie Frias Melanie Ortiz

09/16/2026

🏡 CLIENT SUCCESS STORY

They found the house. 💚
They loved the house.
But they DIDN’T love the monthly payment.

So we changed the recipe. 👩‍🍳

We reviewed the financing strategy, explored different options, and worked toward a mortgage structure that better fit their budget.

Because my goal isn’t simply to help you qualify for a mortgage—I want to help you understand the numbers and choose a payment you’re comfortable taking on.

Sometimes you don’t need to give up on homeownership. You just need to look at the numbers differently.

👩‍🍳🏡 The Mortgage Chef
Cooking up smarter mortgages one buyer at a time.

📲 Thinking about buying? Message me “RECIPE” or call me and let’s talk about your options.

Equal Housing Opportunity NMLS # 1419188
www.GreenState.org/MelissaFigueroaRivera

Address

4729 SW 9th Street
Des Moines, IA
50315

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://greenstate.org/MelissaFigueroaRivera

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