About Me

After 20 years in the mortgage industry, everyone knows I get it done. I’ve stepped into several leadership roles and been awarded for leading the way in home financing. These roles and awards include NHORA National Board Member, Founder and President of NHORA The Valley, Founder of NAHREP Central Valley and President 2017, NAHREP Top 250, and NAHREP Alumni. Whether you’re a first-time homebuyer or a seasoned real estate investor, you can trust me every step of the way.

When you work with my team and me, we’ll guide you through your home loan journey – in English or Spanish, depending on your preference. I’ll start by discussing your specific circumstances so we can offer the mortgage options best suited to you. I’ll provide information on every aspect of the home financing process and each home loan program available. Whether conventional or jumbo, FHA, or VA, we’ll find the product to make your dreams a reality.

From applying to receiving your keys or completing your refinance, I’ll be there to support you. You’ll receive continuous updates on your loan, and I’ll be available to answer your questions, too. Communication promotes confidence, and I want you to feel confident every step of the way.

About Me

Rico Rivera has been in the Real Estate industry since 2001.

In high school, Rico’s family moved to the best house in Sacramento.

“After my family immigrated from Mexico, we spent years in a two-bedroom apartment with thirteen people,” Rico explains. “When we moved to a modest house, I thought it was a palace! I felt like a king and bragged to my friends at school.”

The move made him believe he was capable of more. This changed the trajectory of his life. Rico began a 15-year career with Old Republic Home Protection climbing up the ladder quickly as a top producing sales representative with over 300 transactions per month.

“The pride my parents had in our home and our ability to move up made me believe I was capable of doing great things,” he says. “This is my passion for my clients. I want to help families realize their full potential.”

Today, Rico specializes in relocation for clients moving from the Bay Area to the Greater Sacramento Valley. “Making the right move for your family or business can have generational impact, both on your finances and on your belief in yourself,” he says. “Having an expert in your corner who has experienced the difference a move can make will make all the difference for you.”

Rico is President of The National Hispanic Organization of Real Estate Associates (NHORA) and has previously served as President of the Greater Sacramento National Association of Hispanic Real Estate Professionals (NAHREP). He was one of the pioneers of the Young Professionals Network (YPN) with now over 300 chapters nationwide. Rico has served as the President of Sacramento Association of Realtors (SAR) Young Professionals Network. He’s a nationally sought-after speaker around social media marketing.

Rico lives in Elk Grove with his wife, Tanya, and two beautiful daughters, Kiani and Leylanie. His hobbies are DJing and working on his cherry red 1957 Buick Century.

About Me

Luis is a top-producing REALTOR® who has been with Coldwell Banker Realty since 2010. He provides friendly, professional, and ethical service that inspires trust and confidence in his clients.

As a native San Franciscan and a graduate of Saint Ignatius College Preparatory, UC Berkeley, and the School of Law at UC Berkeley, Luis possesses the knowledge and experience necessary to navigate the complicated Bay Area real estate market. He is a skilled negotiator and has honed his mastery of contracts through his legal practice.

Luis' ability to listen and communicate clearly with his clients, vendors, and colleagues ensures that their real estate goals are achieved. His expertise and commitment to excellence have earned him a reputation as a trusted advisor in the industry.

In 2022, with the support of Coldwell Banker Global Luxury, Luis founded the Moran Real Estate Group. As the team grows, they are able to provide service to a greater portion of the Bay Area, while maintaining their focus on each individual client.

Luis is committed to providing exceptional service to his clients and helping them achieve their real estate goals with confidence.

Professional Accomplishments:

• Board of Directors - San Francisco Association of Realtors
  
• Board of Directors - California Association of Realtors
  
• President – San Francisco Rotary Foundation
  
• Founder – The City chapter of NHORA
  
• Chair – Coldwell Banker DEI Network for Northern California
  
• Member - California Bar Association
  

About Me

Gema S. Smith has been an influential pioneer in the luxury real estate industry for over 30 years. With a reputation for providing first-class service and garnering impeccable results for her clients, Gema’s accomplishments have earned her mentions in San Jose Magazine as well as two State of California Senate Certificates of Recognition.

Gema Smith has earned the nationally recognized Seniors Real Estate Specialist® designation from the SRES® Council of the National Association of REALTORS®. She successfully completed the comprehensive course in understanding the needs, considerations, and goals of real estate buyers and sellers ages 55 and older.

Unapologetically persistent, tenacious in her negotiation and passionate about developing genuine trust with her clients, Gema brings her best-in-class service and award-winning approach to The Compass, with a focus on the high-end market of Silicon Valley. Previously, Gema served as a Broker Associate with Intero Real Estate Services in San Jose, where she was a consistent top producer and recognized as a Top Listing and Sales agent for the company’s 15 corporate offices, as well as a Broker Associate at The Agency. Knowing that every buyer and seller has their own unique story to tell, Gema is proud to play a role in her clients’ ongoing narrative and represent their best interests in what is often the biggest transaction of their lives.

Gema has been an active member of the real estate community since 1987, getting her start in the loan business before obtaining her real estate and broker’s licenses. In 2002, she opened a real estate brokerage and loan company which she ran successfully until 2008, when she chose to focus her efforts on real estate sales full-time. Gema is a long-time member of the Santa Clara County Association of Realtors (SCCAOR) and California Association of Realtors (CAR), as well as a Certified REO & SHORT SALE Specialist with The Five Star Institute. She is also a two-time Santa Clara County Chapter President of NHORA (National Hispanic Organization of Real Estate Associates) and currently sits on the NHORA National Board of Directors.

A passionate philanthropist, Gema sits on the Board of Directors for the Jose Valdes Math Institute. Her commitment and dedication to the advancement of educational opportunities to underserved communities defines her character. In her spare time, Gema enjoys gourmet cooking, entertaining family and friends, wine tasting, reading, jogging and traveling.

About Me

I’m dedicated to building and developing the best Mortgage Production Team in the industry at PrimeLending, one of the nation’s top mortgage lenders. With a strong, nationwide branch network, we strive to provide the very best platforms, technology, tools, and products. At PrimeLending, we foster an inclusive, customer focused work environment where innovation is encouraged We invest in you, develop your talents, and help you maximize your potential.

About Me

10 Years residential real estate experience, Real Estate Investments, Sales & Customer Service.

Treat every customer as I would want to be treated. The Golden Rule always applies!

Specialties: Purchasing, scheduling, preparing demand packages, negotiating with defense attorney's and insurance companies, insurance verification, billing, collecting monies, rents, preparing legal and binding contract, customer service excellence, customer damage control, corrugate box designer, negotiating with vendors, assisting customers with orders, special orders, purchasing overseas in Thailand/China, working with export companies on containers and necessary paperwork

About Me

As your Mortgage Broker, I will work tirelessly to help you achieve your financial goals. Here are some ways I can assist you:

• I can help you find the right loan product that fits your unique needs and budget.
  
• I can guide you through the loan application process and answer any questions you may have.
  
• I can provide you with personalized advice on how to improve your credit score and financial standing.
  
• I can help you stay on track with your loan payments and offer solutions if you ever experience financial hardship.
  
• I can be your trusted advisor when it comes to all things related to borrowing and lendin
  

With me as your mortgage broker, you can rest assured that you will have a dedicated partner by your side for all your financial needs. Let’s work together to achieve your dreams.

About Me

Experienced Realtor with a demonstrated history of working in the real estate industry for 25 years. Well-known expert 1st-time homebuyer agent specializing in Single Family Homes, multiple-family homes, Investments, negotiations, and sales. Communication has made me successful with a 99% referral base. Utilizing my old-fashioned traits with the strong tech-savvy of Coldwell Banker’s marketing magic. Strong in personal relations, community building, and high standard of ethics. I deliver results! Community leader as President Elect for the Santa Clara County Association of Realtors and Past President of NHORA Santa Clara County and San Benito County. I serve my communities and believe in building thriving neighborhoods by giving back. Living a life of Love with my husband, six children, and new Mimi to two amazing grandchildren.

About Me

I have a long-standing career in mortgage lending that spans processing, underwriting, product development, servicing, and training. I have over 25years of experience working in affordable housing with lenders, government sponsored enterprises and non-profit partners on a National Level.

My current role with Wells Fargo Home Mortgage allows me to help make the dream of homeownership a reality for more minorities, low to-moderate income and first time homebuyers. I am responsible for implementing the Diverse Segments Strategy within 6 counties in the Bay Area and Northern California managing activities and opportunities to grow purchase penetration.

I am active in local communities, and I am past Board Chair of “The Unity Council” and “The Fruitvale Development Corporation”. I am also a past Director on the board of “Visionary Home Builders” in Stockton, Ca

About Me

I have a long-standing career in mortgage lending that spans processing, underwriting, product development, servicing, and training. I have over 25years of experience working in affordable housing with lenders, government sponsored enterprises and non-profit partners on a National Level.

My current role with Wells Fargo Home Mortgage allows me to help make the dream of homeownership a reality for more minorities, low to-moderate income and first time homebuyers. I am responsible for implementing the Diverse Segments Strategy within 6 counties in the Bay Area and Northern California managing activities and opportunities to grow purchase penetration.

I am active in local communities, and I am past Board Chair of “The Unity Council” and “The Fruitvale Development Corporation”. I am also a past Director on the board of “Visionary Home Builders” in Stockton, Ca