Rate
Emily Riofrio

Emily Riofrio

VP of Mortgage Lending · Rate

5.0(15 reviews)

Reviews18

“Emily is a dream maker. She not only explains everything to you as many times as you like she communicates every step of the mortgage process.”

If I could give 100/100 I would. Emily is a dream maker. She not only explains everything to you as many times as you like she communicates every step of the mortgage process. She answers all your questions so well and never feel like you are bothering her. She even works weekends around the clock! She is amazing and truly cares about her clients and that they have a great experience during the loan process! I would absolutely recommend her to any and everyone over and over!

“She was kind, clear in her explanations, and highly professional. She was always available to answer our questions and guide us through every step of the process.”

We would like to sincerely thank Emily Riofrio for helping us purchase our first home. From the very beginning, she was kind, clear in her explanations, and highly professional. She was always available to answer our questions and guide us through every step of the process, making everything much easier and less stressful. Her knowledge, dedication, and outstanding customer service gave us confidence throughout the entire home-buying journey. We are truly grateful for her support in helping us achieve the dream of homeownership. We highly recommend her to anyone looking for a trustworthy and professional lender.

Response from Owner

Thank you so much!!! It was such an amazing time helping you and your family, I was honored to be a part of your journey and look forward to hearing about all your updates! Congratulations again

“I had the pleasure of working with Emily during the entire loan process. Her professionalism, attention to detail, and dedication truly stood out.”

I recently purchased my home, and I had the pleasure of working with Emily during the entire loan process. Her professionalism, attention to detail, and dedication truly stood out. She was always available to answer my questions, kept me updated at every step, and made sure everything moved smoothly and on time. Emily, thanks again for helping my home-buying process a success.

Response from Owner

Thank you so much! I was honored to help you and your family get settled into your new home.

Luciano B.View on Google
“First time buying a house, and I'm eternally grateful for the help Emily provided for us. (...) We highly recommend Emily for your needs of buying a home!”

First time buying a house, and I'm eternally grateful for the help Emily provided for us. The process is extremely complex with an abundance of terms and technicalities that scare away any who is interested in buying a home. Emily was always willing to explain every detail as many times as we needed to understand and be comfortable. She prepares you for what needs to be done at the moment and keeps you informed of what's next. At no point was there a hidden surprise, and when we felt that something wasn't clear for us, she always clarified it for us, even on WEEKENDS! We highly recommend Emily for your needs of buying a home!

Response from Owner

Thank you Jancarlos! It was such an honor to help your new family get settled into your new home during your PCS

Jancarlos R.View on Google
“We highly recommend Emily for your needs of buying a home!”

First time buying a house, and I'm eternally grateful for the help Emily provided for us. The process is extremely complex with an abundance of terms and technicalities that scare away any who is interested in buying a home. Emily was always willing to explain every detail as many times as we needed to understand and be comfortable. She prepares you for what needs to be done at the moment and keeps you informed of what's next. At no point was there a hidden surprise, and when we felt that something wasn't clear for us, she always clarified it for us, even on WEEKENDS! We highly recommend Emily for your needs of buying a home!

Response from Lender

thank you so much for your review! It was such an honor to help you with your loan. Wish you and your family all the best in your home

Jancarlos R.View on Zillow
“She definitely made my not so easy transition a lot more manageable and I don’t know what I would’ve done without her.”

Emily went above and beyond for me even before I arrived to the area she made sure I understood everything and broke it down to me without making me feel dumb as a first time homeowner. I was almost 5,000 miles away and had a 6 hour time difference but she definitely put the work in for me so I wasn't stressed with anything loan related because I knew i could trust her and she would have my back. I would 100% recommend her to new home owners, experienced home owners, young military members, wise military members, etc. She definitely made my not so easy transition a lot more manageable and I don’t know what I would’ve done without her.

Response from Owner

So so so grateful for your kind words and the trust you put in me to help see you through such a huge milestone! I am so excited for you and the future memories you will build in your new home

Vanessa A.View on Google
“Would 10/10 recommend to anyone I know that’s looking for a home.”

This was my first time buying a home and I wasn’t too familiar with the process and what all went into getting a home loan. Emily would always take the time to reach out and make sure I understood everything that was going on whenever anything changed ensuring that I was always kept in the loop. She’s a very diligent hard working and easy to interact with. She made it her top priority to get my family and I the best deal possible. I couldn’t have asked for a better person to have in my corner for my first time buying a home. Would 10/10 recommend to anyone I know that’s looking for a home.

Response from Lender

Thank you so much for allowing me to help your family with your first home purchase! I am so grateful for the opportunity to have been in your corner!

“She has worked with me every step of the way. She never gave up on me & answered every question or concern. I highly recommend Emily & her team! She goes above & beyond.”

Emily amazing !! I met her 2 years ago when I inquired to purchase a home . She has worked with me every step of the way . She gave me advice , I followed her guidance every step of the way . She never gave up on me & answered every question or concern. I highly recommend Emily & her team !!! She goes above & beyond for her clients .

Response from Owner

Thank you so much!! I can't tell you enough how proud I am of our success story! Can't wait to see all the amazing things you do with your new home

LeeAnna B.View on Google
“Emily is truly amazing and has had the expert knowledge to answer all of our questions and concerns through our first home buying experience!”

Emily is truly amazing and has had the expert knowledge to answer all of our questions and concerns through our first home buying experience!

Response from Owner

Thank you so much for your review! It was such an honor earning your trust during your move from a whole other continent away. Congratulations again!!

“Emily was always willing to explain every detail as many times as we needed to understand and be comfortable.”

First time buying a house, and I'm eternally grateful for the help Emily provided for us. The process is extremely complex with an abundance of terms and technicalities that scare away any who is interested in buying a home. Emily was always willing to explain every detail as many times as we needed to understand and be comfortable. She prepares you for what needs to be done at the moment and keeps you informed of what's next. At no point was there a hidden surprise, and when we felt that something wasn't clear for us, she always clarified it for us, even on WEEKENDS! We highly recommend Emily for your needs of buying a home!

Response from Emily Riofrio at Certainty Home Lending NMLS #2493790

Thank you!!! I am so greatful for such a kind review. It was such a joy working with your family 😊

Jancarlos R.View on Facebook
“This woman is hands down the sweetest person 👏 She took the TIME to sit down with me and explain everything I could even ask about a VA Homeloan.”

This woman is hands down the sweetest person 👏 She took the TIME to sit down with me and explain everything I could even ask about a VA Homeloan. I’m freshly 22 and taking the first steps to do adult things and make my first big purchase for me and my fiance and this woman absolutely blew away all and any confusion I had!!! She then helped me even further by connecting me to an agent in KY where I reside now. Absolutely amazing and informative and would recommend her to anyone confused about the home loan or looking for a loan officer even if they already know what they are doing. She’s even highly recommended among the Liberty spouses fb group as that’s where I found her and she’s been a great help since!!!

Response from Owner

Thank you so much Afton! It was such a pleasure speaking with you, and I'm grateful to you for the really kind compliment.

“Emily was wonderful. She made moving forward so much easier and clearer. Absolutely recommend her for all your needs.”

Emily was wonderful. She made moving forward so much easier and clearer. Absolutely recommend her for all your needs.

Response from Owner

Thank you so much!! I am so excited for you and looking forward to hearing updates on the new home! Congratulations again

“They made the entire process so easy and not stressful. The entire team was quick with responses to any questions we had. Highly recommend.”

Buying a home is a big deal and very intimidating. They made the entire process so easy and not stressful. The entire team was quick with responses to any questions we had. Highly recommend.

Response from Owner

Thank you so very much! Glad we were able to help and make you feel confident in such a huge milestone! So happy for you and your family

Elizabeth W.View on Google
“Excellent service! Emily was helpful and answered all our questions with patience and diligence.”

Excellent service! Emily was helpful and answered all our questions with patience and diligence.

Response from Owner

I am so grateful to you and your kind words! It was such a joy helping you and your family during your PCS ! Always happy to be of service to you all

Marian P.View on Google
“Emily has been great with my buyers. She takes her time with them and educates them through the buying process. She’s great and I highly recommend her.”

Emily has been great with my buyers. She takes her time with them and educates them through the buying process. She’s great and I highly recommend her.

Response from Emily Suazo Riofrio

Thank you so much !!! It is an honor!

Jessica P.View on Facebook
“Emily is so knowledgeable and easy to work with! She is patient and helpful and I loved every second working with her.”

Emily is so knowledgeable and easy to work with! She is patient and helpful and I loved every second working with her.

Response from Emily Riofrio at Certainty Home Lending NMLS #2493790

Thank you so much!

Madilyn B.View on Facebook
“Was a great help throughout the whole process and made it super easy and simple. Thank you for everything!”

Was a great help throughout the whole process and made it super easy and simple. Thank you for everything!

Response from Owner

Thank you!!! Congratulations on your new home, I am so excited for your family and look forward to updates

Brannon C.View on Google

Response from Owner

Thank you for the 5 stars Corey!