Carmen Cotto-Rivera
Real Estate Broker Salesperson

"Love Where You Live, and Live Where You Love"

Vylla Home 
office: 856-206-0413

Cell:  201-835-5650




   "Love Where You Live, and Live Where You Love"

Vylla Home - office: 856-206-0413

cell:  201-835-5650



Real Estate Broker Salesperson

I’m Carmen Cotto-Rivera and I love helping First Time Home Buyers (including Spanish speakers) in Burlington County, South Jersey, and Pennsylvania.

As a real estate broker-agent, I am honored to help first time home buyers, including Spanish speakers, buy their first home in Burlington County and in the surrounding South Jersey areas, and now, Pennsylvania.  
As their trusted advisor I love to help them achieve their home buying goals, by helping them every step of the way.    I believe that homeownership, can start you on the path to wealth building, no matter your background.  

I went through the homebuying process, on my own, and felt a sense of accomplishment.  When I bought my first home,  I ended up doing most of the work myself.  I leaned that I loved it and wanted to help others.    

I Won't Let This Happen To You!

I remember that feeling like it was yesterday, even though it happened may years ago.  When I bought my first home, by myself, I ended up doing most of the work myself - mortgage research, found the attorney and title company, found contractors to do the inspection, studied the condo by-laws, etc.   

By the time closing day came, I had to run to the bank at the last minute to get the check and just made it in the nick of time (and had just enough money save up in my account - whew!).   When all was said and done, the first thing I did afterward, was go to my old apartment and fell asleep - due to the stress!  

Through all that, I realized that even though I was stressed, I loved the process and the sense of accomplishment in buying real estate!  And through that, I decided to become an agent, so I can help others, not go through all that by themselves. 

Do You Know About First Time Home Buyer Programs?

Buying a home is very achievable, and affordable in the Burlington County, South Jersey / PA areas.  Did you know that there are state and local programs that offer downpayment assistance to first time home buyers in New Jersey and PA?  I have helped buyers buy their first home using these programs. 

In addition, there are mortgages offering 100% financing, where you put no or very little downpayment, out of your pocket.  Also, depending on the location, there are homes that qualify for 0% downpayment throughout Burlington County and surrounding South Jersey/ PA areas. 

I had no idea about these programs when I bought my home, and I want to make sure that you have the latest information about these programs. 

Here Is How I can Help You

Because of my own personal home buying experience, when I became an agent, I made the decision that my buyers will never have to go through that experience  that I went through.  I vowed that I will be with them every step of the way - step by step.    That I will answer every question, anytime, via text, email, and phone.  I have a motto, "it does not hurt to over communicate".    I know how stressful and overwhelming it can be to buy your first home,  and I want to minimize those feelings as we go through the home buying process. 

 I strive to help my buyers have a fun, educational process with minimal stress.  No matter what happens during the process, I tell my buyers that they will end up with the house they were meant to have.  Some buyers take longer than others, some hit bumpy roads, some hit smooth sailing, but at the end of the day, you will have the home that is destined for you!  And I love seeing their happy faces on closing day. 

What my clients say about me

“As a first-time home buyer there many things that I did not know"

"I just loved my experience with Carmen! As a first time home buyer there was many things that I did not know. Carmen took her time to explain things in detail. There was times that would text her in the middle of the night and she'd respond in the matter of minutes. During my final walk through she ensured that everything was up to my standard. I highly recommend her!!! Carmen remains in contact keeping me abreast of new listing in my area and I appreciate her for that! Great realtor.”

—N.M. -  First Time Buyer

Let Me Show You How You Can Do This Too!

I am great at listening and communicating.  I return every phone call, text, and email.  I answer any question no matter how important or unimportant.    I know how overwhelming and daunting the home buying process is - I get it,  I went through it myself!  It can be intimidating and a lot of times, the buyers I work with are the first ones within their families and friends to embark in the unknown by venturing out and buying their first home. 

There is a lot of noise and information out there that can discourage you and get you off your path, but I am here to steer you through the  turbulance and guide you to a smooth landing - buying your first home and helping you start on your path to long-term wealth building for your future.  

I tell my first-time home buyers that I want to meet with them before they are ready to start looking at homes.  We need to spend time applying for these programs, to make sure they are a good fit for you.    This will save you a lot of time down the road, so schedule your free initial consultation below.  I'd love to meet with you to talk through your specific situation and see what is possible for you. 

Then I Make Sure You Become The Best Homeowner Possible

After closing, I won't "abandon" you!    I will keep in touch with you, providing you  many tips and advice, to help you become the most knowledgeable, most content and happiest homeowner you can be.  Tips on maintenance, taxes,  saving money, and pitfalls / mistakes to avoid.      These are good to keep handy as references for when you need them.   

As the real estate market fluctuates, I also sent out info on the latest economic conditions, so you are aware of the changes in the value of your home - probably your biggest investment.   I owned my house through the great recession so I know how stressful those times can be that are beyond our control.   I will only be a phone call or text or email away if you have any questions about anything real estate related!  

What my clients say about me

“She explained
every question I had!"

"She listened to all my concerns and explained every question I had about my purchase. "Hands on proactive" that was my experience with Carmen. Would recommend to anyone."

—A.C. - First Time Buyer

What my clients say about me

“I would not have been able to close on my first home"

Carmen is amazing, I really appreciated her flexibility and timely manner. She is ALWAYS available for anything that comes up in the home buying process, that alone is crucial in today’s market. Carmen is very informative and extremely helpful. I would not have been able to close on my first home without Carmen’s help.

—E.S. - First Time Buyer

More Customer Testimonials

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