About us

Stop Guessing. Start Knowing.

We're a mortgage broker — not a bank. That means more options and fewer surprises. START Mortgage shops your loan across multiple lenders. We find the right fit for your credit, your budget, and your goals. Then we walk you through every step — in English or Spanish — so you close with confidence, not confusion.

Why START Mortgage exists

You Deserve More Than a Number and a Rate

Our founder Jexayra Rivera spent 9 years inside the mortgage industry — and she saw the same problems you're dealing with right now. Banks that push one loan because that's all they have. Online lenders that give you a number but no guidance. Loan officers who disappear the minute things get complicated.

After helping 50+ families buy homes across two states, she knew the process could be better. So she built START Mortgage — a brokerage designed around the experience you actually deserve.

That means we work for you, not one lender. We compare options from multiple lending partners and find the program that fits your credit, your budget, and your goals. And we explain every detail — in English or Spanish — so you never feel lost.

We compare loans from multiple lenders — not just one bank
Full service in English and Spanish — every document, every call
FHA, Conventional, VA, USDA, bank statement, and more

See How Our Process Works

Jexayra Rivera reviewing loan documents at her desk in a sunlit office

How we work

Two Rules That Guide Everything We Do

People Before Files

Your loan file matters. But your family matters more. We make decisions based on what's right for you — not what's fastest for us.

Clarity Over Confusion

If something doesn't make sense, we stop. We explain it again. In simpler words. In English or Spanish. As many times as you need. That's not extra service — that's the standard.

The difference

What Makes START Different

Broker, Not a Bank

More options for you

We shop your loan across multiple lenders. You're not stuck with one bank's products. That means a better fit for your credit, your income, and your goals.

Bilingual Service

English and Spanish

Every call, every document, every explanation — in the language you’re most comfortable with. Not translation. Real understanding.

Pre-Approvals That Close

Realtors trust our letters

We don't hand out pre-approval letters we can't back up. When a seller sees ours, they know the deal will close. Your offer stands out.

You'll Always Know Where You Stand

No ghosting

Regular updates. Honest answers. A real person who picks up the phone. You’ll never wonder "what’s happening with my loan?"

A Clear Process From Day One

7 steps, no surprises

Our structured 7-step process means you know exactly what’s happening and what comes next. From first call to closing day.

Find your path

Whatever Your Situation, There's a Path Forward

First-Time Buyers

Never done this before? Good — we'll walk you through every step so buying your first home feels simple, not scary.

Learn more

Self-Employed

Turned down by a bank because of your tax returns? We work with lenders who understand how self-employment income actually works.

Learn more

Veterans and Military

You served your country. Now let us help you use your VA benefits to buy a home with zero down payment.

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Realtor Partners

Want a loan officer who communicates fast, closes on time, and speaks Spanish? Let's talk about a partnership.

Learn more

Jexayra Rivera in front of a Central Florida home on a sunny afternoon

Led by Jexayra Rivera

Jexayra Rivera, Branch Manager

Jexayra Rivera is the Branch Manager of START Mortgage. She has 9+ years of mortgage experience across two states and has helped more than 50 families close on their homes.

Born in Puerto Rico. Fluent in English and Spanish. She built START Mortgage because she believes every family deserves clarity, care, and a straight answer — not pressure, jargon, or silence.

NMLS# 1631454

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Day-to-day wins, closings, and plain-language answers from @jexayrarivera and @start.mortgage.

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The start of more

Ready to See What You Qualify For?

Book a free planning session with our team. We'll review your goals, walk through your options, and tell you exactly where you stand. No cost. No credit pull. No obligation. In English or Spanish.

Book Your Free Planning Session Call (689) 210-3448

Free · No obligation · Bilingual · NMLS# 1631454