Janet Rivera
Dual-Licensed REALTOR® & Mortgage Loan Originator
NMLS# 2293396 | TREC# 721362 | Serving El Paso County, Texas
Janet Moore Rivera — known to her clients as Janet — is a dual-licensed REALTOR® and Mortgage Loan Originator serving El Paso County, Texas. With 7 years in real estate and 3 years in mortgage lending, Janet brings honest, transparent, and empathetic guidance to every transaction — refusing to treat a home purchase as "just a transaction."
"From market to mortgage, made seamless. — No fluff and no pretentiousness. I'm honest and transparent — your real estate journey deserves nothing less."
MEET JANET RIVERA
Janet Moore Rivera was born in Georgia and has built her life and career in El Paso County, Texas. Family is at the center of everything she does: Janet is happily married to her husband and is the proud mother of four children, along with two beloved dogs.
Before real estate, Janet built her career as a Hairstylist — a role that taught her how to truly listen, build relationships, and care for people in a deeply personal way. Those instincts now shape how she serves her real estate and mortgage clients today.
With 7 years in real estate and 3 years as a Mortgage Loan Originator, Janet decided to become dual-licensed because she wanted more knowledge about the mortgage process and to be more well-rounded when assisting her clients on the home buying journey.
In her business, Janet has learned that honesty, integrity, compassion, and empathy go a long way in helping her clients and their unique situations. She refuses to treat a transaction as just that — a transaction. Buying, selling, or financing a home is one of the biggest steps in most people's lives, and it deserves the care and knowledge of a great agent and a competitive lender.
What sets Janet apart is her commitment to client choice. She gives every consumer the option to choose their own lender — and takes the time to clearly explain why Direct Rate could benefit them greatly. No fluff. No pretentiousness. Just honest, transparent guidance every step of the way.
Janet is also bilingual in English and Spanish, ensuring clear communication with every client. Outside of work, Janet's life revolves around her relationship with God and her religious organization, where she serves through preaching and teaching, and her love of cooking. Her faith and her family are the foundation of everything she does.
HONESTY. INTEGRITY. EMPATHY.
Janet coordinates your home search and your financing as a single trusted point of contact — combining 7 years of real estate experience with a deeply empathetic approach and full bilingual service in English and Spanish.
- 7 Years in Real Estate
- 3 Years in Mortgage Lending
- Bilingual: English & Español
- Client-Choice Approach to Lending
- Honest, Transparent, No Fluff
- Response Within a Couple of Hours
- Available Nights & Weekends
THE RIVERA ADVANTAGE.
Honest & Transparent
"No fluff and no pretentiousness." Janet's core promise — you'll always get the truth, plainly stated and clearly explained.
7 Years + Dual-Licensed
Seven years in real estate plus three years as an MLO — Janet handles both the property and the financing side as one trusted expert.
Bilingual: English & Español
Full bilingual support in El Paso — clear communication in whichever language you prefer, from first call to closing day.
Client Choice First
Janet always gives you the option to choose your own lender, and then takes the time to explain why Direct Rate could benefit you most.
WHO I SERVE
Janet's ideal client is someone who's ready — with all the necessary documents in hand to apply for a loan and take the next step. She especially enjoys helping clients relocating to the El Paso area, veterans and military families using their VA benefits, and first-time homebuyers stepping into homeownership for the first time.
LOAN PRODUCTS OFFERED
Conventional
Flexible options for buyers with strong credit and stable income — competitive rates and terms.
FHA
Lower down payment options ideal for first-time buyers — one of Janet's focus areas.
VA
$0 down financing for veterans, active military, and eligible spouses — a meaningful focus area for Janet in El Paso.
HOW THE PROCESS WORKS
Discovery
Honest conversation about your goals
Pre-Approval
Documents in hand, buying power verified
Home Search
Shopping with empathy and clarity
Underwriting
Streamlined processing via Direct Rate
Closing
From market to mortgage, seamless
CLIENT EXPERIENCES
"Such an amazing experience purchasing our first home. Janet really made the process super easy and stress free. I'm really glad we got in contact with her when we did because we got such a beautiful home."
"Huge thank you to Janet Rivera for making my husband and I's first-time buying experience a smooth and easy one. She was patient and always available. Thank you again!"
"Best Agent. We have worked with Janet twice, buying and selling. She is a great and resourceful agent. She is patient and kind and easy to work with. We definitely recommend her."