Ryan Rivera - Division Manager - Certified Mortgage Planner NMLS 232818

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Ryan Rivera - Division Manager - Certified Mortgage Planner NMLS 232818 🏡 I Help Homebuyers Save Money
⭐️ 5,000+ Families Served
📩 Message “WIN” to save thousands when buying a home! NMLS 232818 | 1416824

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 20+ 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 Alpine 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.

©2021 Finance of America Mortgage LLC is licensed nationwide | Equal Housing Opportunity | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker -- NYS Banking Department | Rhode Island Licensed Lender | Massachusetts Lender/Broker License MC1071. For licensing information go to: www.nmlsconsumeraccess.org.

Not sure where to start if you’re thinking about moving? You’re not alone. Right now, there are actually 4 different hou...
31/10/2026

Not sure where to start if you’re thinking about moving? You’re not alone.

Right now, there are actually 4 different housing markets running at once, and each one plays by its own rules.

Cash buyers. Buyers taking out a mortgage. Homeowners feeling reluctant to give up their current low rate. And builders eager to sell their extra inventory.

Which group you fall in can completely change how you should approach your move. But that’s where an agent comes in.

We have the expertise on what to do for your specific situation and the strategies that are going to work for you.

Comment below and tell me which group you’re in. Let's figure out your next move from there.

Mortgage rates have been climbing again, and if you're hoping to buy, that can feel discouraging.Here’s what you have to...
29/10/2026

Mortgage rates have been climbing again, and if you're hoping to buy, that can feel discouraging.

Here’s what you have to remember.

You can't control where rates go. But you can control a few things that shape the rate you actually get: your credit score, the type and term of loan you choose, and whether you buy a newly built home, where builders are often buying down rates to bring buyers in.

Focus there, and you put yourself in a stronger spot without waiting on the market.

Want to talk it through? A trusted lender can help with the numbers, and we can find the home to match. Let's connect.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

27/10/2026
Selling this fall? Starting strong matters even more this time of year.In the fall, buyer activity typically starts to s...
27/10/2026

Selling this fall? Starting strong matters even more this time of year.

In the fall, buyer activity typically starts to slow while the number of homes for sale climbs. That means fewer buyers may be looking at more options – so you want your house to stand out from day one.

Here’s the cheat sheet for how to make that happen.

Price it for today’s buyers. Not what your neighbor sold for a few years back.

Make your house hard to pass up. Tackle essential repairs and spend time on your curb appeal.

Stay flexible when offers come in. This is not the season to play hardball.

And be ready to adjust when needed. If you keep getting the same feedback from buyers, take it to heart.

If you want to sell before the end of the year, let’s make sure you have the right strategy from the start. Because with the right plan, selling in the fall is a no brainer.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

Waiting for mortgage rates to come down may feel like the only way to make buying a home possible. But 41% of buyers who...
24/10/2026

Waiting for mortgage rates to come down may feel like the only way to make buying a home possible.

But 41% of buyers who waited wish they'd bought sooner – before rates and prices rose again.

Right now, factors like inflation, the economy, and global events are all having an impact on rates – and it’s not in the direction you’d hope.

So, for a lot of buyers, waiting might not pay off. Sometimes it just means putting your life on hold for what feels like too long.

Before you decide to hit pause on your move, talk to a trusted lender. They’ll go over options that can help make buying work at today’s rates, and how to get the best rate you can.

You certainly don’t have to buy now. You should buy when the numbers work for you. But you should at least know your options before making a decision.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

Need to move, but worried you missed the window to sell your house until next year or next spring? Don’t count yourself ...
22/10/2026

Need to move, but worried you missed the window to sell your house until next year or next spring? Don’t count yourself out of the market so fast.

About a third of all home sales happen in the last four months of the year – and that share has been growing every year since 2023.

Based on the forecasts, that means roughly 11,800 houses are expected to sell every single day between now and the end of December.

Buyers are still out there, ready to move before the new year. Let’s connect and get your house in front of them.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

Data centers are showing up in more communities, and naturally, homeowners and buyers want to know what that could mean ...
20/10/2026

Data centers are showing up in more communities, and naturally, homeowners and buyers want to know what that could mean for nearby houses.

One of the biggest concerns that comes up is home values. But research from HousingWire found that areas with large data centers generally saw home values track similarly to comparable areas without them.

That doesn't mean proximity never matters. Noise, infrastructure, future development, and potential utility costs are all worth considering.

But a data center nearby isn't automatically bad news for your home's value.

Have one near you or one coming soon? Let’s look at what it could actually mean for your home and your neighborhood.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

Homes priced at $1M+ saw sales jump 14.8% compared to last year, even as the overall housing market cooled off. That’s a...
17/10/2026

Homes priced at $1M+ saw sales jump 14.8% compared to last year, even as the overall housing market cooled off. That’s according to the latest data from NAR.

If you’re sitting on a high-end property, this is a good time to be selling. Buyers with serious budgets are active right now, and well-priced luxury listings are moving fast.

Not sure how this applies to your house or our market? Drop a comment or send me a DM, and let’s figure it out together and build a plan that gets you the speed and price you’re after.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

First-time buyers, your remote job might give you a homebuying advantage you haven't thought about.If you can work from ...
15/10/2026

First-time buyers, your remote job might give you a homebuying advantage you haven't thought about.

If you can work from anywhere, you can buy just about anywhere, too. And searching in a lower-cost area could mean more homes within your budget. It could also mean spending less on everyday things like gas and groceries after your move.

These states are some of the spots where your money may go the furthest, but they aren't your only options. Every state has pockets with better affordability.

A local agent can match your budget and lifestyle to a shortlist of areas, whether that's a new state or somewhere closer to where you already live. Let's connect and start building yours.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...Every fall, the housing m...
13/10/2026

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in our local market – and what it means for you.

Call me today, 530.823.9100, to learn more.

2026 Ryan Rivera NMLS #232818 Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

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Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

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