"Irma made buying our first home in Tampa feel effortless. She was patient with every question and fought hard for our offer — we closed under asking price."
María & Luis G.
Brandon, FL
First-Time Buyers
Tampa Bay · FloridaYour home.
Your home.
Your credit.
One trusted guide.
I'm Irma — a licensed Florida REALTOR® specializing in helping families buy and sell across Tampa Bay. As a certified credit repair specialist, I also help you get pre-approved when other agents say you're not ready.
Licensed
FL REALTOR®
Brokerage
Rivera & Associates
Specialty
Credit Repair
Service area
Tampa Bay & beyond
Just closed
Highlight of the monthGet results like this
Keys handed over — and big savings.
432 Flamingo Dr, Apollo Beach, FL
We just closed on this Apollo Beach home for my client. I negotiated $30,000 below the listing price PLUS $20,550 in seller-paid credits, concessions, and repairs. That's real money kept in my client's pocket — exactly the kind of result I show up for every day.
Below list
−$30,000
Negotiated discount
Seller credits
$20,550
Concessions & repairs
Closed at
$235,000
Final sale price
About IrmaReal estate first.
Real estate first.
Credit when you need it.
Buying or selling a home should feel exciting — not overwhelming. I guide families across Tampa Bay through every step, from the first showing to closing day. And when credit is the only thing standing between you and your dream home, I help fix that too.
- Concierge home search across Tampa Bay & surrounding areas
- Sharp negotiation & smooth closings
- Credit repair & pre-approval coaching when needed
- Bilingual service — English & Español
What I do
A complete path to the front door.
Real Estate
Buying & selling, done beautifully
Single-family, condos, investment properties — concierge representation from search to closing across Tampa Bay.
- — MLS-wide property search
- — Sharp negotiation
- — Closing-day support
First-Time Buyers
Step-by-step homeownership
Down payment programs, lender intros, and patient education — with no question too small.
- — FHA / VA / Conventional
- — Grant & assistance programs
- — 1-on-1 coaching
Credit Repair
Pre-approval-ready credit
Custom dispute strategy, score optimization, and mortgage-aware planning — built around your homeownership timeline.
- — Tri-bureau analysis
- — Dispute & resolution
- — Score-boosting roadmap
The process
Built for buyers ready to make a move.
01
Discovery call
We talk goals, neighborhoods, and timeline.
02
Pre-approval
Lender intros — or credit coaching if you need a boost first.
03
Find your home
Curated tours across Tampa Bay until we find the one.
04
Close & celebrate
Negotiate, sign, get the keys.
Plan ahead
Estimate your payment. Boost your score.
Quick tools to picture your monthly mortgage and the score lift we can target together.
Mortgage calculator
Estimated monthly (P&I)
$2,023
Loan amount
$320,000
Total interest
$408,142
Estimate only — excludes taxes, insurance, HOA & PMI. Talk to a lender for exact figures.
Credit score uplift simulator
Projected score
655
Fair
Potential lift
+75
300580670740850
Educational estimate. Real results vary by credit history & bureau response.
Client stories
Trusted by Tampa Bay families.
Real words from real clients — homeowners and credit-repair wins.
"Two lenders had already turned us down. Irma walked us through credit repair month by month, and 7 months later we were pre-approved and house hunting."
Daniela R.
Riverview, FL
Credit Repair → Closed
"Sold our home in 9 days for over asking. Irma is sharp, communicative, and genuinely cares — exactly the agent you want in your corner."
James & Carla P.
South Tampa, FL
Sellers
"Bilingual, professional, and the only agent who actually explained credit to my parents in a way that made sense. We are so grateful."
Sofía M.
Town 'N' Country, FL
Family Buyer
"From our first call to keys-in-hand, Irma was 10 steps ahead. The whole process felt smooth. Highly recommend her to any Tampa Bay buyer."
Anthony D.
Apollo Beach, FL
Buyer
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Ready when you are.
Send a quick message and I'll personally reply within one business day. No pressure, no obligations.