Serving all of Florida · Since 1992
Real estate that protects you like family.
Ruth Rivera is a Broker Associate with Coldwell Banker Realty. She has been in real estate since 1992 and now helps buyers and sellers across all of Florida, with offices throughout the state, in English or Spanish. You get her full attention, her honest read on the market, and the little things caught before they ever become big problems.
Florida License BK3168285 · Coldwell Banker Realty
Not by Chance. By Design.
Proof you can feel, not just read.
Credentials matter, but so does how a client feels on the other end of the phone. These are the numbers behind the feeling.
34
Years in Florida real estate
In the business since 1992. Started as an agent, grew into managing broker and sales manager roles, and never lost the feel of the ground floor.
1000+
Homes sold and families guided
Every price point, every corner of the state, and a long list of clients who came back a second time.
2
Languages, one standard of care
English and Spanish, so you get honest answers in whichever language you think in. No translators, no middlemen.
Florida License BK3168285 · Coldwell Banker Realty
Live MLS listings in Florida
Search homes in Florida.
Browse current Coldwell Banker listings across the state, any time, from anywhere. Find the homes you love, then bring them to Ruth and she will handle the tours, the questions, and every step after.
Clients for Life
Built for the moments that matter.
Buying or selling usually arrives with a big life event: a growing family, a new job, retirement, a divorce, or the passing of a loved one. Ruth has guided clients through all of them, and she treats every single one like family.
- 01
First-Time Buyers
Clear steps from first tour to keys, no jargon.
I'm a first-time buyer, let's talk - 02
Growing Families
More space, the right timing, and a move that fits your life.
Our family is growing, let's plan the move - 03
Home Sellers
Pricing and prep that protect your equity and your timeline.
I'm ready to sell, let's talk - 04
Military & Veterans
Flexible schedules, remote options, and VA loan know-how.
Military or veteran, connect with me - 05
Relocating & Out-of-State
Buy or sell from anywhere with straight answers at every step.
I'm relocating, let's talk - 06
- 07
Downsizing & Empty Nesters
Simplify the move without leaving value on the table.
I'm downsizing, let's talk - 08
- 09
Divorce & Estate Sales
Steady, patient guidance through sensitive transitions.
I need steady guidance, connect with me - 10
“I protect my clients like family. I catch the little things before they become big problems, so they feel taken care of every step of the way.”
Ruth Rivera · Be Fearless!
How Ruth works
One person in your corner, all the way through.
For buyers
- A clear budget, with real closing costs spelled out up front.
- Homes matched to your life, not a listing sheet.
- Tours, inspections, and negotiation handled start to finish.
- Contracts and paperwork translated into plain language.
For sellers
- A pricing strategy built on real market data, not hope.
- A short list of repairs buyers notice first.
- Marketing that shows your home at its best.
- A negotiator who protects your bottom line.
English & Spanish
We speak the same language.
Whether you think in English or Spanish, you get the same honesty, the same care, and the same straight answers. No translators, no passing you off to someone else. When you talk with Ruth, you talk directly with her.
Read the site in Spanish“Buying or selling a home is one of the biggest decisions in life. I walk with buyers and sellers across all of Florida, from offices throughout the state, with the same care and the same clarity, in your own language.”
Ruth Rivera · Buyers and sellers in Florida
The same fearlessness powers her coaching work for real estate professionals nationwide and across Latin America at Your Fearless Real Estate Coach™ , including the Name Junkie™ and The 8 Bucket System programs.
Clients for Life
Clients do not just close with Ruth. They stay.
“I’ve got your back.”
From the first call to the final signature, you always know whose side she is on.
The little things.
The small catches that save clients money, time, and sleepless nights.
Clients for Life.
Across 1,000+ homes sold, a large share of her business comes from past clients and their referrals.
From the blog
Real answers to real questions.
September 4, 2026
How Much Are Closing Costs in Florida, Really?
Buyers often budget for the price and forget the rest. Here is what closing really costs.
Read the article
September 11, 2026
What a Home Inspection Actually Covers
A plain-language tour of the inspection report, and the Florida checks buyers add on top.
Read the article
September 18, 2026
Do You Really Need 20% Down to Buy a Home?
The 20% rule scares off more buyers than it helps. The real minimums are lower than you think.
Read the article
Contact
Send Ruth a note.
Tell her where you are in the process, buy or sell, English or Spanish. She replies personally, and she has your back.
Want to talk it through first? Open the full contact form for a quick conversation .