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Patricia DeGeorge
Business Name:
Certified Mortgage Advisor - Loan Ninja
Business Description:
I’m Patricia Rivera, a Certified Mortgage Advisor—also known as the Loan Ninja. I help homebuyers, homeowners, and real estate investors navigate the mortgage process with clarity and confidence. My business focuses on more than simply providing a loan. I evaluate each client’s financial goals, explain their financing options, and develop a customized mortgage strategy that supports both their immediate needs and long-term plans. Whether someone is purchasing a first home, moving up, refinancing, or building an investment portfolio, I help create a clear path forward.
How Business Creates Value:
My business creates value by simplifying a process that can often feel confusing, stressful, and overwhelming. Through education, personalized guidance, and strategic loan planning, I help clients understand the complete financial picture—not just the interest rate. This includes evaluating loan structure, monthly payment, closing costs, cash-to-close, mortgage insurance, and long-term financial impact. By comparing available options and identifying the most appropriate financing strategy, my business helps clients make informed decisions, avoid costly mistakes, and secure competitive mortgage terms that align with their goals.
How Member Creates Value:
As a Certified Mortgage Advisor and the Loan Ninja, I take the time to listen, educate, and develop a strategy based on each client’s unique situation. I make complex mortgage information easy to understand, communicate proactively throughout the process, and help clients anticipate potential challenges before they become problems. I also create value for my referral partners by being responsive, reliable, and committed to protecting the client relationship. My goal is to provide every client with a smooth experience, a clear financing strategy, and the confidence to make smart real estate decisions.

What I Do

I help homebuyers, homeowners, and real estate investors make smarter financing decisions by creating mortgage strategies tailored to their goals. I analyze each client’s complete financial picture, explain available loan options in clear terms, and help them understand how factors such as interest rate, loan structure, monthly payment, closing costs, cash to close, and long-term financial impact work together. From the initial conversation through closing, I provide education, proactive communication, and strategic guidance. My role is to simplify the process, identify opportunities, anticipate challenges, and help each client move forward with confidence.

Why I Do It

Buying a home or investing in real estate is one of the most important financial decisions a person can make, and no one should have to navigate that decision feeling confused, pressured, or uncertain. I believe clients deserve more than a loan approval. They deserve clear answers, honest guidance, and a financing strategy that supports their goals both today and in the future. Helping someone understand their options, overcome an obstacle, purchase a home, or build long-term wealth through real estate is what motivates me. I want every client to leave the process feeling informed, empowered, and confident that they made the right decision.

Credentials

  • Certified Mortgage Advisor
  • Member Since 2026