From rentingto your ownfront door.

Rivaldi Cajuste helps first-time homebuyers across Florida get pre-qualified, unlock down payment assistance, and close with confidence — with clear answers at every step.

Get Pre-Qualified Book a Call
67Florida counties served
6+Loan programs
$35KDown payment help, up to
POWERED BYCoast2Coast Mortgage NMLS #2184823 · Equal Housing Opportunity
Rivaldi Cajuste, Mortgage Loan Advisor
Rivaldi CajusteMortgage Loan Advisor
NMLS #2184823
First-Time Buyer Specialist
Down Payment Assistance
What Rivaldi Does

Everything you need to get the keys.

From your first question to closing day — and tax season after — one person who explains every step in plain language.

First-Time Homebuyer Loans

Your first home, made simple. Explore programs

Down Payment Assistance

Less cash to close. See how it works

Mortgage Applications

Guided from start to finish. Start yours

Realtor Partnerships

Fast closings, happy clients. Partner with Rivaldi

Tax Preparation

Your taxes, done right. Visit the tax site
Rivaldi Cajuste in a black suit, smiling with his hands clasped
NMLS #2184823Licensed loan advisor
Meet Rivaldi

Clarity for every first-time buyer.

Rivaldi specializes in educating and empowering homebuyers through the mortgage process — especially first-time buyers.

He simplifies complex terms and offers personalized financing options tailored to each client's situation. His approach centers on transparency, communication, and putting your financial well-being first — so you understand every choice and feel confident from pre-approval to closing day.

Rivaldi also prepares taxes, so he knows W-2s, 1099s, and tax returns inside and out — the same paperwork lenders look at when you apply.

NMLS #2184823Mortgage Loan Advisor
Coast2Coast MortgageNMLS #376205
All of FloridaStatewide service
First-time buyersHis specialty
Book a Call
Example · $300,000 home · 3.5% down
Down payment you bring $10,500
You bringAssistance covers

Illustration only. Amounts, income limits, and repayment terms vary by program, and funding isn't always open.

Down Payment Assistance

The down payment shouldn't be the reason you wait.

Most first-time buyers don't know how much help is out there. Rivaldi checks the state, county, and city programs you may qualify for before you ever start shopping.

  • State programs

    Florida Housing Finance Corporation offers first-time buyer and down payment programs when funding is open.

  • County & city help

    Many Florida counties and cities run their own assistance — often stackable with a first mortgage.

  • Low-down-payment loans

    FHA, conventional, VA, and USDA options can keep what you bring to closing low.

Check What I Qualify For Estimate My Cash to Close
How It Works

From blueprint to keys.

Five clear steps. Scroll and watch your home take shape — Rivaldi keeps you and your agent updated the whole way.

Let's start with a planFive steps
  1. Start here

    Book your free call

    A quick conversation about your goals, your budget, and which buyer programs you may qualify for. No pressure, and no credit pull just to talk.

    Free 15-minute call
  2. Get ready

    Get pre-approved

    Share a few documents and Rivaldi reviews your income, credit, and savings — with pre-approvals often ready within hours, so you can shop with confidence.

    Pre-approvals within hours
  3. Save more

    Unlock down payment help

    Rivaldi matches you with the state, county, and city assistance you may qualify for, and shows you exactly what you'd bring to closing.

    Assistance matched to you
  4. Make it yours

    Shop, offer & underwriting

    Make a strong offer with your agent. Rivaldi handles the appraisal, underwriting, and conditions — and keeps everyone updated, so you're never in the dark.

    Constant communication
  5. Welcome home

    Clear to close

    Sign, fund, and get your keys. Rivaldi stays with you through closing day — and is one call away long after.

    Keys in hand
Get Pre-Qualified Book a Call
Loan Programs

A loan that fits your life.

Low down payments, flexible credit guidelines, and assistance that can stack on top. Rivaldi walks you through every option.

First-Time Buyer

Programs built for your first purchase.

FHA Loans

Low down payment, flexible credit.

Conventional

As little as 3% down for eligible buyers.

VA Loans

For veterans and service members.

USDA Loans

Zero down in eligible areas.

Down Payment Help

Assistance that lowers cash to close.
Explore Loan Programs
What to Bring

Know what to bring.

Tap what fits your life. Your pre-approval checklist builds itself, then tick off each document as you gather it.

Hands going over financial documents with a pen on a wooden desk.
Your pre-approval checklistRivaldi Cajuste · Mortgage Loan Advisor
0 of 5 ready

    Every file is different — Rivaldi confirms the exact list for yours.

    Get Pre-Qualified

    Where should Rivaldi follow up?

    Add your details and your list prints right away.

    By sending this you agree that Rivaldi may contact you about your home loan. No spam, ever. Privacy Policy

    Monthly Mortgage Calculator

    See your monthly payment.

    Slide the numbers to see principal, interest, taxes, insurance, and PMI — then let Rivaldi confirm the real ones.

    $
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    Taxes, insurance & HOA
    %
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    $
    Estimated monthly payment
    $0/mo
    0%principal & interest
    • Principal & interest$0
    • Property tax$0
    • Home insurance$0
    • Est. PMI$0
    • HOA$0
    Loan amount$0
    Down payment$0
    Total interest$0
    Get Pre-Qualified Book a Call

    Estimates only. PMI is estimated at 0.5% of the loan amount per year when the down payment is under 20%. Actual taxes, insurance, and rates vary — Rivaldi will confirm your exact numbers. Down payment assistance can lower what you bring to closing.

    See all calculators
    Free for Realtors

    Get the Realtor Success Toolkit.

    Rivaldi's free guide for agents who want faster closings and happier buyers. Drop your details and the download unlocks right away.

    • Homebuying process map
    • Loan options cheat sheet
    • Florida DPA programs
    • Contract-to-close timeline

    By sending this you agree that Rivaldi may contact you about the toolkit and partnering. No spam, ever. Privacy Policy

    It's yours — enjoy the toolkit.

    Your Realtor Success Toolkit is ready to download. Rivaldi will reach out soon to see how he can help your buyers close.

    Download the Toolkit Open in Dropbox
    Google Reviews

    What clients say about Rivaldi.

    Real reviews from real Florida homebuyers, straight from Google.

    Worked with Rivaldi? Share your story on Google.

    Your review helps the next first-time buyer in Florida find a loan officer they can trust. It takes less than a minute.

    Write a Google Review Book a Call
    Tax Preparation

    Taxes done right — from someone who knows your goals.

    Rivaldi also offers tax preparation. Get your return handled by someone who understands how your taxes shape your next home loan.

    Visit the Tax Website Call About Taxes
    Get In Touch

    Let's find the program that gets you home.

    Call, email, or answer the first question. Rivaldi gets back to you fast with real numbers and a clear next step — no pressure, no jargon.

    Call or Text(407) 952-3983 Emailrivaldi@coast2coastml.com Office125 B King Street, St. Augustine, FL 32084
    ServingHomebuyers across all of Florida
    Call Rivaldi Book a Call
    Homeowner QualificationTakes about a minute · no credit check
    First question

    What are you looking to do?

    Pick one — Rivaldi will tailor your call to your goal.

    A few quick questions, then pick a time on Rivaldi's calendar.

    The Office

    Serving all of Florida.

    125 B King Street, St. Augustine, FL 32084

    The map comes from Google Maps, which sets its own cookies.

    Coast2Coast Mortgage · Corporate Office125 B King Street · St. Augustine, FL 32084
    Get Directions