Highly Efficient
Twenty years of repetition have stripped the wasted steps out of the process. Your file moves the moment it can move.
NMLS #239250
Meet Your Loan Officer · Senior Loan Officer, Virtue Funding LLC
Michael Rivara — 20+ years of clear, efficient lending.
A full spectrum of financing solutions delivered with the responsiveness and clarity you actually want. From Conventional and FHA to Non-QM, Commercial, and Hard Money — the right loan, matched to your situation.
20+Years Lending
5Loan Types
NJ · PAPersonally Licensed
1Direct Line
NMLS #239250Federally Registered LO
20+ YearsIn Mortgage Lending
NJ · PAPersonally Licensed
5 Loan TypesConv · FHA · Non-QM · Comm · HM
About Michael Rivara
Efficient, responsive, and easy to work with.
With over 20 years in the mortgage industry, Michael specializes in a full spectrum of financing solutions, including Conventional, FHA, Non-QM, Commercial, and Hard Money loans.
He prides himself on being highly efficient, responsive, and easy to work with. His focus is always on guiding clients through the process with clarity — and helping them secure the best possible outcome.
Whether you're buying your first home, refinancing a primary residence, financing an investment property, or putting together a more complex deal, Michael brings the experience and the lender network to get it done.
Why Work With Michael
What clients get every time.
Always Responsive
A direct line, fast answers, and no chasing. When you need an update, you get one — not a portal alert.
Easy to Work With
Plain-English explanations of every step. If you're unsure what something means, just ask — that's the job.
Clarity at Every Step
You'll always know where your file stands, what's next, and what to expect — including the numbers, before you sign.
Full-Spectrum Programs
Conventional, FHA, Non-QM, Commercial, Hard Money — one advisor, many lenders, the right fit for your file.
Best Possible Outcome
The right loan, sourced from the right lender, structured the right way. Twenty years of practice doing exactly that.
Michael's Specialties
Five loan types. One experienced advisor.
If your situation doesn't fit one of these neatly, call — chances are there's still a path.
Conventional
Fannie/Freddie financing for qualified W-2 borrowers and primary residences.
FHA
Government-backed loans with low down payments and flexible credit guidelines.
Non-QM
Bank-statement, asset-based, and alternative-doc programs for self-employed or non-traditional income.
Commercial
Investment property, multifamily, mixed-use, and small-balance commercial real estate.
Hard Money
Short-term, asset-based financing for fix-and-flip, bridge loans, and time-sensitive opportunities.
How It Works
Four steps. Zero guesswork.
From first call to closing — here's exactly how the process feels.
Discovery Call
A short conversation to map your goal, your budget, and the timeline you're working against.
Loan Match
We shop the lender network and bring back the two or three programs that actually fit your situation.
Application & Lock
One streamlined application. We handle the paperwork and lock your rate at the right moment.
Close & Celebrate
Final walkthrough on the numbers, then on to closing — with no last-minute surprises.
Reach Michael Directly
Two fast ways to start.
Pick whatever's easiest — you'll hear back within one business day.
Ready to Move
Let's see what fits your situation.
A direct conversation, clear numbers, and a path forward — usually inside one business day.