Raymond Rivera ABR ,SFR
(718) 554-0257

Real Estate Tips
07SEP

Buy Now, Refinance Later
With the Federal Reserve meeting approaching, prospective home buyers face a critical dilemma: wait for anticipated interest rate cuts or buy today. However, trying to time mortgage rates carries significant financial pitfalls. Postponing a purchase risks triggering intense buyer competition and rising home prices, proving that securing negotiated seller terms today often outweighs waiting for marginal rate relief.
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31AUG

30-Year Fixed vs. 5/1 ARM: 2026 Guide
With traditional 30-year fixed mortgage rates hovering around 6.6% to 6.7%, many prospective homebuyers are actively exploring lower-cost financing alternatives. A 5/1 adjustable-rate mortgage offers significant upfront interest savings during the initial five-year period, but it introduces long-term payment uncertainty. Understanding interest rate caps, moving horizons, and future refinancing risks is essential before choosing an adjustable mortgage.
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Over 20 Years of Real Estate Expertise
Raymond Rivera ABR ,SFR
One Stop Multiservice Inc.
41-39 54th St Suite 4 Woodside, NY 11377
Email: onestophousing1@aol.com
Phone: (718) 554-0257
Welcome! As your trusted real estate professional specializing in Woodside, Queens, and all five boroughs, I’m here to provide the tools and insights you need to buy or sell property. With over two decades of experience and advanced training in modern real estate strategies, I bring knowledge and resources beyond the ordinary.
Explore my website to discover valuable tools and resources to make your real estate journey seamless and successful.
Feel free to contact me anytime—I’m here to keep you informed about the latest market trends and to answer any questions you may have. I look forward to helping you achieve your real estate goals!
Raymond Rivera, REALTOR®
• General Residential Sales
• Financial Services
• Commercial Sale/Leaseback
• Business Owner/Operator
Explore my website to discover valuable tools and resources to make your real estate journey seamless and successful.
Feel free to contact me anytime—I’m here to keep you informed about the latest market trends and to answer any questions you may have. I look forward to helping you achieve your real estate goals!
Raymond Rivera, REALTOR®
• General Residential Sales
• Financial Services
• Commercial Sale/Leaseback
• Business Owner/Operator

Why Us?
Attention to details
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Competence
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Local experts
Excellent local market knowledge
Mortgage
We have the resources you need
Property standing
We offer advice on preparing your home for sale
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