Omar Rivera-Realtor

10/09/2025

https://www.news4jax.com/news/local/2025/10/09/vystar-rolls-out-program-for-first-time-homebuyers-who-are-first-responders-teachers-law-enforcement/?utm_source=facebook&utm_medium=social&utm_campaign=snd&utm_content=wjxt4&fbclid=IwZnRzaANU10ZleHRuA2FlbQIxMQABHm4sJpulOsOVh3lO5YEzvYNk2yMSfo6cyjnoHVlP9RIqU-XLS3_pBn4fKir2_aem_fRGulc7-s4AQK6CjJzWuwQ

Buying a home right now feels impossible for a lot of families in Florida and Georgia, but VyStar said it’s trying to change that, especially for the people we all rely on.

10/08/2025

This spacious 2 story home has 3 bedrooms downstairs & a mother-in-law suite upstairs(currently being used as an entertainment room). 1st floor game room leads to pool. The outdoor kitchen area is a great additional space to prep & cook. It offers a lanai covered pool great for entertainment of family & friends! Great home for a large family. New variable speed pool pump Nov2024, New ac and air handler Jan2024, all new energy efficient entry door and windows upgrade on the front Jul2023, pool screen replaced Mar2024, new Hardie siding front and sides Sep2024. Garage is heated & cooled.
A fellow agent listing. Contact me to show it to you!

10/08/2025

When it comes to buying a home, lenders look more closely at your income than your assets 🏡. That’s why your debt-to-income (DTI) ratio matters—it shows how comfortably you can manage a mortgage payment. A strong DTI can make all the difference in getting approved. Need a trusted lender who can walk you through it? I can connect you! 🤝

10/08/2025

💡 Did You Know? NON-TAXABLE INCOME COUNTS MORE! 💡

When qualifying for a mortgage, certain types of non-taxable income can actually be “grossed up” by 25% to help increase your qualifying income. 🙌

✅ Common non-taxable income includes:

Social Security

Child Support

Worker’s Compensation

Certain Public Assistance

👉 Example: If you receive $1,200/month in Social Security, lenders may count it as $1,500/month when qualifying you for a loan.

This adjustment can make a big difference in how much home you can afford! 🏡✨

09/30/2025

Pending sales rose month-over-month in the Midwest, South, and West, and declined in the Northeast; year-over-year, sales increased in all regions.

09/30/2025

Getting ready to buy a home starts long before you fill out a loan application 🏡💡. Small actions—like monitoring your credit, setting aside extra savings, and keeping big purchases on pause—can make a big difference when it’s time to apply. I’m here to guide you through each step so you feel confident and prepared. Have questions about where to begin? Send me a message and let’s build your game plan today! 📲

09/26/2025

🌟 Looking for more space without breaking the bank? 🌟

At United Real Estate Gallery, we’ve got you covered! 🏡✨
You can find the perfect 4-bedroom home, priced under $400,000, right here in Northeast Florida. Whether you’re growing your family, need a home office, or just want that extra room for guests—this price point gives you options you’ll love.

🔎 Start your search today on our website and discover homes that fit your lifestyle and your budget.

Homes for Sale, MLS Listings & Real Estate in Jacksonville, FL from United Real Estate Gallery. See All Homes Now!

09/26/2025

https://omarrivera.propertyinjax.com/homes/723-Montego-Road-W/Jacksonville/FL/32216/167062988/

Residential property for sale in Jacksonville,FL (MLS #2104731). Learn more from United Real Estate Gallery. Holiday Hill Elementary was recently rated ''A' school and is just 0.

09/26/2025

🌟 Real Estate Insight 🌟

When there are plenty of homes on the market but fewer buyers looking, that’s what we call a Buyer’s Market 🏡✨

✅ More options for buyers
✅ Negotiation power is stronger
✅ Opportunities to find the perfect home at the right price

At UNITED Real Estate Gallery, our agents are here to help you take full advantage of the market and guide you every step of the way.

📲 Start your search today at PropertyinJax.com

09/26/2025

🍂 Thinking about making a move? Autumn is the perfect season to find your dream home! With motivated sellers and cooler temps, you can skip the summer rush and settle in before the holidays. Movers may even offer lower rates this time of year, making it easier on your wallet. 🏡 Ready to cozy up in a new space before winter hits? Let’s start your fall home search today—send me a message to get started! 📩

09/25/2025

When it comes to buying a new home there is a lot to understand. But I'm here to help, message me with any questions you have!

09/24/2025

Negotiation is where the magic happens in real estate 🤝✨. From price adjustments to repair requests, I’ll help you craft an offer that protects your interests and keeps the deal moving forward. My job is to make sure you get the best terms possible while keeping the process smooth and stress-free. Ready to have a skilled negotiator on your side? 🏡📲 Let’s connect and talk strategy today!