Charlene Rivera-CrossCountry Mortgage

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United States
Naples, FL
Charlene Rivera-CrossCountry Mortgage

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CrossCountry Mortgage
Personal NMLS22148
Branch NMLS1770104
Company NMLS3029
nmlsconsumeraccess.org
Equal Housing Lender If you don't qualify, no problem!

What sets me apart from other lenders you may ask? With having over 20+ years of experience in the mortgage business, I've learned that trust and communication is key. I have mastered both, as well as, displaying knowledge and dedication. Within my 20+ years in the mortgage world, I have gained relationships with not only my realtors, but with my clients as well. I work diligently to get my clients approved. I provide the education to get you where you need to be. I know the importance of a timely response. I return phone calls, texts, and emails within minutes! I have programs that suits all needs and credit types. FHA, Conventional, VA, USDA, 203K, Condos, just to name a few! First time home buyer? Take advantage of one of several money down assistance programs

Call or email me today!

11/02/2026

A simple thank you can make someone’s day.

10/31/2026

If you see this guy in your neighborhood, it's time to move! 😱🏃‍♀️

I promise it won't hurt to take a stab at getting preapproved for a mortgage!🔪🔪🔪🔪🔪

HAPPY HALLOWEEN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!🎃🎃🎃🎃🎃🎃🎃

Charlene Rivera NMLS 22148
applywithcharlene.com
941.214.0482

10/30/2026

From caring for aging parents to creating space for extended family, multi-generational homes continue to serve an important purpose. We can help these buyers secure financing that fits the whole family.

10/29/2026

The rate gets discussed at dinner, compared with friends, and watched like a scoreboard.

The payment is the number that joins groceries, utilities, childcare, savings, and everything else the month needs to hold.

A good mortgage decision makes room for the life inside the home, not just the headline attached to the loan.

Charlene, your go-to mortgage lender in Florida.🌴

Charlene Rivera nmls22148
(941) 214-0482
www.applywithcharlene.com

10/29/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6185BHbb8D

10/28/2026

FHA is a great loan. It is also not the right loan for everyone, and I would rather you hear that before you apply.

Who should probably skip it:

1. Buyers with strong credit and a solid down payment. Conventional may price better, and conventional mortgage insurance can come off once you build enough equity.
2. Condo buyers whose building is not FHA approved. If the building is not on the list, FHA may not work for that unit.
3. Anyone buying a house that needs big repairs before move in. FHA has property condition standards, and a rough house can hold up your approval.
4. Buyers shopping above the FHA loan limit in their county. Limits are set by county and updated every year.
5. Anyone buying a place they will not live in. FHA is for your primary home.

Who it is great for: buyers who need more flexibility on credit or down payment and want a loan built for getting started.

The best way to know is to see FHA and conventional side by side on your own numbers. That comparison is the first thing I run for most buyers.

— Charlene, your go to mortgage lender in Florida.🌴

P.S. Most of my clients start by sending me a message right here on Instagram, so don’t be shy!

P.S.S......Ask about our down payment assistance programs!

10/27/2026

Own your home and your timeline. We'll help you buy when you’re ready — even if your current home isn’t. Get the Buy Now, Sell Later basic: http://spr.ly/6181BHrcY5

10/26/2026

Passion brings life to every day.

10/24/2026

The best spot to watch the leaves fall? The comfort of your own front porch.

Address

9130 Galleria Court, Suite 101
Naples, FL
34109

Website

http://www.applywithcharlene.com/

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