Rios Family Way

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Rios Family Way

Rios Family Way 🏡Empowering families to build wealth through home ownership💰 Your favorite duo is ready to help!

02/12/2025

💫 As self-employed business owners, the dream may have seemed like a distant goal at times. With guidance, support, and unwavering dedication of our entire team, it became a reality for the Vela family!

🙏🏻A special thank you to Felipe Ramos and Lazaro for their expertise and constant encouragement throughout this journey! Without your knowledge and patience, this milestone wouldn’t have been possible!

❤️Together, we helped the Vela family navigate the complexities of the home buying process with ease.

🏡To the Vela family, congratulations on making this dream come true! This is just the beginning of an exciting new chapter, and we are honored to have been part of this unforgettable moment in your lives.

✨ Here’s to many years of , growth, and cherished memories in your beautiful new home!
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💫 Como dueños de su propio negocio, el sueño de comprar una casa pudo haber parecido una meta distante en algunos momentos. ¡Con la orientación, el apoyo y la dedicación inquebrantable de todo nuestro equipo, se convirtió en una realidad para la familia Vela!

🙏🏻Un agradecimiento especial a Felipe Ramos y Lazaro por su experiencia y constante aliento durante todo este proceso. Sin su conocimiento y paciencia, este logro no hubiera sido posible.

❤️Juntos, pudimos ayudar a la familia Vela a navegar las complejidades del proceso de compra su primera casa con facilidad.

🏡A la familia Vela, ¡felicitaciones por hacer realidad este sueño! Esto es solo el comienzo de un emocionante nuevo capítulo, y nos sentimos honrados de haber sido parte de este momento inolvidable en sus vidas.

¡Por muchos años de felicidad, crecimiento y recuerdos preciados en su hermosa nueva casa!

02/07/2025

🏡Your work is the very special thing that you add into this world. Your vision. Your light. Your LOVE! What you share. What you create. How you make people feel, etc. That is truly OUR work. -Eso Tolson

💫Grateful to have collaborated with over 60 entrepreneurs A huge shoutout to Maria Lauren for her vision and dedication in bringing our thriving Latino community together. NJ’s Latino community is vibrant and full of talented business owners, and last night’s event was a testament to our collective strength. 🌟 It’s truly inspiring to see from all walks of life connecting, supporting each other, referring each other and looking to grow their businesses across the state. Cheers to many more high-vibing, Latin-dancing events in the future! 💃🕺 Thank you to everyone who came out and made this night unforgettable. Let’s continue to build connections and relationships that drive our success!

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🏡Tu trabajo es la obra mas especial que agregas a este mundo. Tu visión. Tu luz. ¡Tu AMOR! Lo que compartes. Lo que creas. Cómo haces sentir a las personas, etc. Eso es verdaderamente NUESTRO trabajo. -Eso Tolson

💫Agradecidos de haber colaborado con más de 60 emprendedores latinos en Un gran agradecimiento a Maria Lauren por su visión y dedicación en reunir a nuestra próspera comunidad La comunidad latina de NJ es vibrante y está llena de talentosos dueños de negocios, y el evento de anoche fue un testimonio de nuestra fuerza colectiva.

🌟 Es verdaderamente inspirador ver a emprendedores de todos los ámbitos de la vida conectándose, apoyándose mutuamente, refiriéndose y buscando hacer crecer sus negocios en todo el estado. ¡Salud por muchos más eventos vibrantes y llenos de baile latino en el futuro! 💃Gracias a todos los que vinieron e hicieron de esta noche algo inolvidable.

🙏🏻Continuemos construyendo conexiones y relaciones que impulsen nuestro éxito.

02/04/2025

💫Dream big, start small...but most of all, start!

•Every great achievement begins with a single step. Whether you’re buying your first home or taking the next big leap in , remember that every journey starts with a decision to begin!

Let’s make those dreams a reality together🙌🏼

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💫Sueña en grande, empieza pequeño... pero sobre todo, empieza!

•Cada gran logro comienza con un solo paso. Ya sea que estés comprando tu primera casa o dando el próximo gran salto en la vida, recuerda que cada viaje comienza con la decisión de empezar👏🏼👏🏼👏🏼

¡Hagamos realidad esos sueños juntos!

01/29/2025

🫶Hey there! Welcome to

•It’s 2025 and we have many new faces- so time for a little reintroduction! We are aka Josh & Angie Rios. Very proud parents to our 2 beautiful babies (+1 if you count Sunny ☀️ our fur baby) who are little entrepreneurs in the making. We love to travel- be in nature, especially the beach and make memories together at the where we currently call home🏡

•We are a husband- wife team committed to being your trusted loan officers. Our mission goes beyond just mortgages- we’re creating a movement committed to empowering the next generation to achieve homeownership, understand real estate and build communities that last.

•We want you to understand that real estate helps build wealth and creates a lasting legacy for your family. Because buying a home is about more than just property—it’s about freedom, security, and choices!

💫 This carousel shares our story, our why and how we strive to serve others in our communities. (Often times when many others closed the door to them.) We aim to make you feel seen, understood, and ready to take that next step!

💫If you’re looking for solutions, opportunities and motivation let’s connect! Whether it’s your first home or your next investment, we’ve got the plan, tools, and experience to make it happen 🙏🏻

Drop a ❤️ if you’re ready to rewrite your story. Share this with someone who needs to hear it. Let’s build something incredible—together!

01/20/2025

✨ “You don’t have to see the whole staircase, just take the first step.” – Dr. Martin Luther King Jr. ✨

On this day, we honor the legacy of Dr. King and his unwavering belief in the power of hope, courage, and progress. The path ahead may seem daunting, but change begins with one action, one step forward. Let’s keep pushing for justice, equality, and love, just as he inspired us to do. 🌍💫
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✨ “No tienes que ver toda la escalera, solo da el primer paso.” – Dr. Martin Luther King Jr. ✨
Hoy, honramos el legado del Dr. King y su firme creencia en el poder de la esperanza, el coraje y el progreso. El camino por delante puede parecer abrumador, pero el cambio comienza con una acción, un paso hacia adelante. Sigamos luchando por la justicia, la igualdad y el amor, tal como él nos inspiró a hacer. 🌍💫

01/09/2025

We are thrilled to share the inspiring journey of Mr. Montoya, who secured his first home with the help of our FHA-first-time homebuyer program! 🏡✨

From day one, it was a privilege to guide the Montoya familia through every step of the home financing process. Their determination and trust in us made this journey truly special.

A huge shoutout to our incredible team members, Felipe Ramos & Lazaro Cardenas, whose dedication and teamwork were instrumental in making Mr. Montoya’s dream a reality. 🙌

Thank you for allowing us to be a part of this monumental moment in your life. We are grateful for the opportunity to help you find the perfect place to call home. 🏠❤️

Wishing you many memories to come in your new home familia Montoya💙🧡

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¡Estamos emocionados de compartir el inspirador viaje del Sr. Montoya, quien aseguró su primer hogar con la ayuda de nuestro programa FHA para compradores de vivienda por primera vez! 🏡✨

Desde el primer día, fue un privilegio guiar a la familia Montoya en cada paso del proceso de financiamiento de su hogar. Su determinación y confianza en nosotros hicieron que este viaje fuera verdaderamente especial.

Un gran agradecimiento a nuestros increíbles miembros del equipo, Felipe Ramos y Lázaro Cárdenas, cuya dedicación y trabajo en equipo fueron fundamentales para hacer realidad el sueño del Sr. Montoya. 🙌

Gracias por permitirnos ser parte de este momento monumental en su vida. Estamos agradecidos por la oportunidad de ayudarles a encontrar el lugar perfecto para llamar hogar. 🏠❤️

¡Deseándoles muchos recuerdos por venir en su nuevo hogar, familia Montoya! 💙🧡

01/06/2025

🚀✨ While we can't invent time travel (yet), Team Rios knows that today is the best day to begin your path to homeownership! Remember, even if your credit score feels more like "oops" than "awesome," we've got the tools and tricks to help you step closer to your dream home. So buckle up, keep your hands inside the ride, and let's roll towards mortgage success together! 🏠💼

01/03/2025

🏠It's 2025 and setting clear goals is key to jumpstart the homebuying journey!

1️⃣ Setting Clear Goals 🎯: Visualize your dream home journey! Start with defining clear goals to guide your way.

2️⃣ Budget Basics 💰: Know your numbers! Work out what you can afford with your income and savings in mind.

3️⃣ Needs vs. Wants Checklist 📝: Prioritize, prioritize, prioritize! What do you NEED vs. what do you WANT?

4️⃣ Timeline Time 🗓️: Set a timeline and stick to it! Consistency is key to saving effectively.

5️⃣ Market Research 101 🔍: Stay informed and savvy with the latest real estate trends.

6️⃣ Professional Help 🤝: Consult with the experts - Team Rios and your realtor are your best allies!

7️⃣ Constant Check-ins ✔️: Keep reviewing your goals and adjust as necessary to stay on track!

8️⃣ Take the Leap 🚪: It all starts with a conversation. Reach out to Team Rios for personalized guidance on your homebuying journey! #2025

01/01/2025

🌟 Today we start a new year🙏🏻 Happy #2025!!!🌟

•12 new chapters

•365 new chances

💫As we closed the chapter on 2024, we look back with immense and joy at the journey we’ve shared.

Last year, we had the incredible privilege of helping over 100 families get pre-approved, guiding so many of them into their first homes and assisting others in financing their first investment properties🏡 Each story, each family, and each home represents a dream realized and a future secured!

❤️We are truly blessed beyond measure, and none of this would have been possible without the unwavering dedication of our team, whose work ethic and passion drive us forward every day. Our success is also deeply intertwined with the support of our family, friends, and partners who have become like family to us🙏🏻Your trust and belief in us have been the foundation upon which we’ve built this year’s achievements.

🙌🏼As we look ahead to 2025, we are filled with hope and excitement for an even more impactful year. Thank you for being a part of our journey, and for allowing us to be part of yours. Here’s to new beginnings, new homes, and new dreams.

With heartfelt gratitude,
Team Rios- Angie & Josh❤️

#2025

12/25/2024

🎄On the 12th day of Christmas, let’s celebrate your new home🏡

Day #12 Tips: Celebrate Your New Home

🔴Host a Housewarming Party:
- Invite friends and family to celebrate and show them your new place.

🟢Create a Cozy Atmosphere:
- Decorate with personal touches to make your house feel like home.

🔴Capture the Moment:
- Take photos or videos of your new home and your celebration to cherish the memories.

🟢Reflect on Your Journey:
- Take a moment to appreciate the hard work and steps you took to get here.

🔴Plan a Relaxing Day:
- Set aside a day to unwind and enjoy your new space without any obligations.

🟢Explore Your Surroundings:
- Take a walk around your neighborhood to enjoy the new scenery.

🔴Thank Those Who Helped:
- Show appreciation to everyone who supported you along the way.

🟢Set New Home Goals:
- Think about future projects or improvements you’d like to make.

🔴Enjoy a Special Meal:
- Cook or order your favorite meal to enjoy in your new home.

🟢Create New Traditions:
- Start a new tradition to mark this exciting chapter in your life.

💫These steps will help you celebrate and settle into your new home with joy. Make new traditions together & lasting memories for years to come 🏡

12/23/2024

🎄On the ninth day of Christmas, understand your closing costs!

Day #9 Tip: Focus on understanding closing costs

A ❓ we get asked VERY often-“What am I paying in the closing costs?”

is ready to help you understand what is included in your closing costs:
💰 These are fees paid at the end of a real estate transaction, covering various services.

🏡Typical Costs Include:
🔴Loan Origination Fees:Charged by the lender for processing the loan.

🟢Appraisal Fees:Payment for the home’s appraisal to determine its value.

🔴Title Insurance:Protects against losses due to title defects.

🟢Attorney Fees:Legal fees for preparing and reviewing documents.

🔴Home Inspection Fees:Cost of the home inspection, if not already paid.

🟢Property Taxes:May include prorated property taxes for the year.

🔴Recording Fees:Charged by the local government to record the sale.

🟢Estimate Your Costs:
- Typically, closing costs range from 2% to 5% of the home’s purchase price.

🔴Review the Loan Estimate:
- Your lender will provide a Loan Estimate detailing expected closing costs.

Always ask questions! You shouldn’t feel pressured to sign off on any document or pay fees you feel uneasy about- don’t wait till the end for questions! 📱 or DM us if you need clarification on what closing costs include and how it could look for you!

12/20/2024

🎄 On the seventh day of Christmas, attend open houses!

Day 7 Tip: Attend Open Houses

💫Plan Your Visits:
- Make a list of open houses to visit and schedule your day accordingly.

💫Take Notes:
- Bring a notebook or use your phone to jot down key features and impressions of each home.

💫 Ask Questions:
- Inquire about the home’s history, any recent renovations, and the age of major systems like HVAC or roofing.

💫 Observe Details:
- Look for signs of wear and tear, such as water stains, cracks, or outdated fixtures.

💫Visualize Living There:
- Imagine how your furniture would fit and how you’d use the space.

💫Check the Neighborhood:
- Walk around the area to get a sense of the community and nearby amenities.

💫Evaluate Curb Appeal:
- Consider the home’s exterior and landscaping as part of its overall appeal.

💫Understand the Market:
- Ask about the asking price compared to recent sales in the area.

💫Network with Agents:
- Use this opportunity to meet real estate agents and gather more information.

💫Trust Your Instincts:
- Pay attention to how you feel in the home and whether it meets your needs.

🔴🟢🔴🟢These tips will help you make the most of your open house visits and find the right 🏡 for you. love open house- such an exciting part of the journey! Wouldn’t you agree?!

12/19/2024

🎄On the sixth day of Christmas, explore different neighborhoods!

Day 6 Tip: Explore Different Neighborhoods 🏠

🔴Identify Priorities:
- List what’s important to you, like schools, commute times, or nearby amenities.

🟢Visit at Different Times:
- Check out neighborhoods during the day, evening, and weekend to get a full picture.

🔴Consider Future Growth:
- Research any planned developments or changes that might affect the area’s appeal.

🟢Evaluate Safety:
- Look at crime rates and speak with local residents about their experiences.

🔴Check School Districts:
- If you have children, research the quality of local schools and their ratings.

🟢Explore Amenities:
- Consider proximity to parks, shops, restaurants, and public transport.

🔴Talk to Locals:
- Engage with residents to get insider information about the community vibe.

🟢Assess Property Values:
- Look at past and current home prices to gauge market stability and growth potential.

🔴Consider Lifestyle Fit:
- Ensure the neighborhood matches your lifestyle preferences and needs.

🟢Attend Community Events:
- Participate in local events to experience the community firsthand.

••••These steps can help you find a that feels like home! 📱 or DM us for any questions❓

12/16/2024

🎄On the 3rd day of Christmas, get pre-approved! This step boosts your buying power!
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❓But why do pre-approvals matter❓

✅Again, it boosts your buying power and shows sellers you’re serious.

✅Key Benefits:
- Helps you know your budget
- Speeds up the buying process

❓FAQ - What documents do I bring for my pre-approval meeting ❓

🟢Valid Photo ID-Driver’s license or passport

🟢Proof of Income-Recent (last 30 days) pay stubs, W-2s & tax returns for previous 2 years

🟢Bank Statements-Last two months to show savings and assets (funds for down payment, etc)

🟢Employment Verification-Letter from employer or recent pay stubs.

🟢Debt Information-Details of existing debts like credit cards or loans.

🟢Residential History-Past addresses for the last two years.

🏡🏡🏡These steps and documents will help you get pre-approved and ready to make an offer 🙌🏼 At times it feels like a lot 🌪️ but is ready to help guide you & get you on your way to house hunting 🫶

12/14/2024

🎄On the first day of , let’s dive into credit
scores 📈

‼️How to Improve Your Credit‼️

🔴Check Your Credit Report
- Get a free report from annualcreditreport.com and fix any inaccuracies you find.

🔴Pay Bills on Time
- Set reminders or automatic payments to never miss a due date.

🔴Reduce Credit Card Balances
- Keep your card balances low, ideally under 30% of your limit.

🔴Limit New Credit Applications
- Avoid applying for new credit unless necessary to prevent score dips.

🔴Become an Authorized User
- Ask a trusted family member to add you to their credit card to boost your score. This is HUGE‼️

🔴Diversify Your Credit
- Use different types of credit, like cards and loans, for a better score.

🔴Negotiate Debts
- Talk to creditors about payment plans to settle outstanding debts.

🔴Monitor Your Credit Score
- Use services to keep an eye on your score and spot any changes quickly.

📱Call or DM Team Ríos for any questions ❔ or to let us guide you along the way❤️

11/21/2024

⁉️ Do I need to be debt-free before I can think about buying a home⁉️

No! Lenders care more about your debt-to-income ratio.

🏡For example, if you earn $4,500 a month and have $300 in student loan payments, your debt-to-income ratio is under 10%. As long as your total debts (including a mortgage) stay below 43%, you could still qualify for a loan

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⁉️¿Necesito estar libre de deudas antes de pensar en comprar una casa⁉️

¡No! Los prestamistas se preocupan más por tu relación deuda-ingresos.

🏡Por ejemplo, si ganas $4,500 al mes y tienes $300 en pagos de préstamos estudiantiles, tu relación deuda-ingresos es inferior al 10%.
Mientras tus deudas totales (incluyendo una hipoteca) se mantengan por debajo del 43%, aún podrías calificar para un préstamo.

11/14/2024

🙏🏻Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do -Steve Jobs

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🙏🏻Tu trabajo va a llenar una gran parte de tu vida, y la única forma de estar realmente satisfecho es hacer lo que crees que es un gran trabajo. Y la única manera de hacer un gran trabajo es amar lo que haces -Steve Jobs

Address

Red Bank, NJ
07701

Website

https://www.goalterra.com/loan-originators/angelica-rios

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🚨 3 MAJOR NO-GOs when it comes to 🏡 buying🚨 •Don’t max out your credit cards - keep your balances low to improve your debt-to-income ratio and make your application more appealing‼️ •Hold off on any big purchases like cars, furniture, or electronics until after you’ve moved into your new home‼️ •Avoid any mysterious large deposits, as this can raise red flags with lenders ‼️ #debtmanagement #financialwisdom #riosfamilyway #homebuyingprocess #mortgagetips

Happy weekend ☀️ Enjoy local summer with an array of festivals & beach/ bay front activities 🍻 🌻 🎢 🌊 #localsummer #local #monmouthcounty #oceancounty #weekend #weekendvibes

‼️We CANNOT emphasize enough how much being prepared will put you ahead when you find the home you want to buy! We’re all about that action plan & being prepared 💫 •By taking the time to review, collaborate, and review AGAIN with us, you’ll feel empowered and READY when the right 🏡 comes up! •In all honestly, we suggest connecting with your real estate and lending team 12 months before your target buying timeframe ‼️There’s so much you need to know and only so much you can absorb at once. DO NOT…..wait until you find a home one weekend to choose your trusted team! Talk about stressful! Choose your team, figure out your financing, and determine your contingency options. •Then, just sit back and wait for the perfect 🏡to appear. Because you’ll be ready when it does! #takeaction #getprespproved #actionplan #teamwork #teamrios #riosfamiyway #alterrahomeloans #njrealestate #lender #mortgagetips