Manuela Joe-Ann Valdivieso, Mortgage Broker NMLS #2474306

06/13/2026

VantageScore® can generate a score with as little as 1 month of credit history. Your on-time rent, utility and even phone bill payments could help build your score. Call me to learn more 813-693-0801.

06/11/2026

You could score big savings working with a mortgage broker like me. Give me a call to advance in your homebuying journey 813-693-0801 .

05/25/2026

Today, we remember the sacrifices of those who gave everything to protect our freedom.

05/21/2026

MIAMI-DADE… THIS IS YOUR MOMENT!
Rent keeps going up… but your opportunity to become a homeowner is HERE.

Join R.E.A.C.H. and the YMCA for a FREE IN-PERSON HOMEBUYER WORKSHOP designed to help Miami-Dade families stop renting and start building GENERATIONAL WEALTH.

Learn how you may qualify for UP TO $147,500 in Down Payment Assistance!
Meet housing professionals ready to guide you step-by-step!
Get educated, empowered, and prepared to purchase your first home!

Whether your goal is:
✔️ Buying your first home
✔️ Improving your credit
✔️ Understanding down payment programs
✔️ Learning the homebuying process
✔️ Creating stability for your family

THIS WORKSHOP IS FOR YOU.

Village of Allapattah YMCA Family Center
2370 NW 17 Avenue, Suite 100
Miami, FL 33142

June 6, 2026
9:00 AM – 3:00 PM

FREE TO ATTEND — SPACE IS LIMITED!

Register today at: WWW.REACH4HOUSING.ORG
Scan the QR Code on the flyer

Your future address could change your family’s future forever. Don’t miss this opportunity to invest in YOU.

05/21/2026

Miami Dade First time Homebuyers Asistance

MIAMI-DADE… THIS IS YOUR MOMENT!
Rent keeps going up… but your opportunity to become a homeowner is HERE.

Join R.E.A.C.H. and the YMCA for a FREE IN-PERSON HOMEBUYER WORKSHOP designed to help Miami-Dade families stop renting and start building GENERATIONAL WEALTH.

Learn how you may qualify for UP TO $147,500 in Down Payment Assistance!
Meet housing professionals ready to guide you step-by-step!
Get educated, empowered, and prepared to purchase your first home!

Whether your goal is:
✔️ Buying your first home
✔️ Improving your credit
✔️ Understanding down payment programs
✔️ Learning the homebuying process
✔️ Creating stability for your family

THIS WORKSHOP IS FOR YOU.

Village of Allapattah YMCA Family Center
2370 NW 17 Avenue, Suite 100
Miami, FL 33142

June 6, 2026
9:00 AM – 3:00 PM

FREE TO ATTEND — SPACE IS LIMITED!

Register today at: WWW.REACH4HOUSING.ORG
Scan the QR Code on the flyer

Your future address could change your family’s future forever. Don’t miss this opportunity to invest in YOU.

05/19/2026

I offer a special program that significantly reduces your mortgage payments for the entire first year. DM me to learn more! 813-693-0801

05/14/2026

The key to growing your real estate portfolio can be easier than you think. Give me a call and let's discuss how I could help you qualify for your next investment property!
813-693-0801

05/11/2026

Looking for a home loan that matches what you need? A manufactured home could be a great solution. Give me a call to discuss today! 813-693-0801

05/05/2026

Here's to happiness and warmth in every corner of your home as you celebrate the rich culture and incredible spirit of our shared community!

05/04/2026

Did you know you could put as little as 3% down* on your dream home? Call me today to chat about your options 813-693-0801