Headshot of Charlene Rivera

Charlene Rivera

Loan Officer

Naples, FL Mortgage Lender

NMLS #22148

9130 Galleria Court, Suite 101
Naples, FL 34109
tel Phone
(239) 354-7332
cellphone Cell phone
(941) 214-0482
fax Fax


About Charlene

When I started in the mortgage industry in 1999, I had no idea I was entering a business where I could make a meaningful connection with borrowers and see their dreams turn into reality. The excitement and determination from my clients are what drive me every day. I love seeing families get the key to their new home and can’t wait to start your journey to the closing table.

If you’re a first-time homebuyer, I’ll walk you through each step of the loan process and resolve any questions you may have. If this is not your first mortgage, we’ll discuss new products and how staple programs like conventional, VA, FHA, down payment assistance programs, and new construction have evolved to fit your plans today.

You can count on me to be upfront, honest, and always answer my phone – even on the weekends and evenings. I look forward to working with you as a friend, not just a client, from pre-approval to closing and beyond.

Originally from New Jersey, I moved to Florida 12 years ago. Despite being horrible at all three, I love trivia games, going dancing, and golf!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (239) 354-7332