Tampa Bay • Statewide Florida
Your home loan, handled by a neighbor — not a call center.
I'm Raymond Rivera. I help Florida families and investors find the right loan and actually get to the closing table — with straight answers at every step.
Loan Programs
Financing built around where you are
Every borrower is different. Here's how I match the loan to the situation — whether it's your first home or your fifth rental.
VA Home Loans
Zero down, no PMI, and competitive rates for veterans and active-duty military. Let's put the benefits you earned to work.
Get started →FHA Loans
Down payments as low as 3.5% with flexible credit requirements — a practical path into the Tampa market.
Get started →Conventional Loans
Competitive rates and flexible terms across the full range of conforming options for qualified buyers.
Get started →New Construction
Buying new in Pasco, Hillsborough, or Pinellas? I know builder-preferred financing and how to keep it on schedule.
Get started →Investment & DSCR
Grow your Florida rental portfolio with DSCR and conventional investor programs built for cash-flow lending.
Get started →Refinance
Lower your rate, tap equity, or shorten your term — I'll only recommend it if it actually makes sense for you.
Get started →The Process
From first call to keys in hand
No jargon, no surprises. Here's exactly what working together looks like.
Consultation
We talk through your goals, budget, and timeline — no pressure, no cost.
Pre-Approval
I get you a real pre-approval so you can shop with confidence and make strong offers.
Loan Selection
We compare programs and lock the option that fits your numbers best.
Clear to Close
I keep processing moving and stay reachable right up to the closing table.
Service Area
Local roots, statewide reach
Based in Land O' Lakes and working the whole Gulf coast — plus every county in Florida.
Prefer to talk it through?
Financing a home shouldn't feel like a maze. Call or text me directly and you'll reach me — not a phone tree.
Why Work With Me
Straight answers, start to finish
Licensed & Accountable
NMLS #2639249 through Hoot Home Loans LLC, licensed across all of Florida.
VA Loan Specialist
Deep experience with veteran financing and the details that trip up other lenders.
No Hidden Fees
You'll always know what you're paying and why — the numbers are on the table.
Responsive, Always
Call, text, or email — I answer, and I keep you posted so you're never guessing.
Bilingual Service
Full English and Spanish support so nothing gets lost in translation.
Truly Local
I live and work here. I know these neighborhoods, builders, and markets firsthand.
Let's Get Started
Ready to see what you qualify for?
Get a real pre-approval and a straight answer — usually within one business day.
Start my pre-approval 813-696-1271