Serving all of Florida · Since 1992
Real estate that protects you like family.
This site is for home buyers and sellers in Florida, and it's built around one person: Ruth Rivera, a Broker Associate with Coldwell Banker Realty. In real estate since 1992, Ruth brings 34 years of experience and more than 1,000 homes sold to every corner of the state, working in English and in Spanish. Whether you're buying your first home, moving up or downsizing, relocating to Florida, or selling a property you've outgrown, she treats the decision like it's her own family's.
You get her full attention, her honest read on the market, and the little things caught before they ever become big problems. That's what clients mean when they say Ruth protects you like family.
Florida License BK3168285 · Coldwell Banker Realty
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.
FL
Offices across Florida
With offices throughout the state, Ruth serves buyers and sellers in every corner of Florida, from first-time buyers to luxury properties.
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
Luxury Buyers
Discreet, high-touch service at every price point.
Global Luxury Certified
Luxury buyer, connect with me - 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.”
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
Living in Orlando · Relocation guide
Moving to Orlando? The honest guide is here.
The 2026 market snapshot, what to know about schools, the neighborhoods people actually choose, real commute times, and an honest read on the cost of living, researched and dated, in Ruth’s own words. In English and Spanish.
Living in Miami · Relocation guide
Moving to Miami? Here is the honest guide.
The 2026 Miami-Dade market snapshot, what to know about schools, the neighborhoods people actually choose, real commute times, and an honest read on the cost of living, researched and dated, in Ruth’s own words. In English and Spanish.
Living in Tampa · Relocation guide
Moving to Tampa? Here is the honest guide.
The 2026 Tampa Bay market snapshot, what to know about schools, the neighborhoods people actually choose, real commute times, and an honest read on the cost of living, researched and dated, in Ruth’s own words. In English and Spanish.
Living in Sarasota · Relocation guide
Moving to Sarasota? Here is the honest guide.
The 2026 Sarasota County market snapshot, what to know about schools, the neighborhoods people actually choose, real commute times, and an honest read on the cost of living, researched and dated, in Ruth’s own words. In English and Spanish.
Living in West Palm Beach · Relocation guide
Moving to West Palm Beach? Here is the honest guide.
The 2026 Palm Beach County market snapshot, what to know about schools, the neighborhoods people actually choose, Brightline to Miami, real commute times, and an honest read on the cost of living, researched and dated, in Ruth’s own words. In English and Spanish.
Living in the Florida Panhandle · Relocation guide
Moving to the Panhandle? Here is the honest guide.
2026 market snapshots for Pensacola, Destin-Fort Walton Beach, and Panama City, what to know about schools across four counties, the beach towns people actually choose, real commute times, and an honest read on the cost of living, researched and dated, in Ruth’s own words. In English and Spanish.
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.
Buyer & seller FAQ
Questions everyone asks, straight answers from Ruth.
Rates, affordability, closing costs, inspections, pricing, timing: the questions buyers and sellers in Florida ask most, answered plainly.
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 .