Emily Riofrio
Loan Officer
917-478-2143 | Cell/Text
emily@libertyridgelending.com
NMLS# 2493790
Your Trusted Mortgage Guide
Emily’s journey to mortgage lending was shaped by her experiences as a military spouse. After years of moving from duty station to duty station, she understands firsthand both the excitement and challenges that come with putting down roots in a new place. That personal perspective, along with her background in finance and real estate, made the mortgage industry a perfect fit.
Earning her clients’ trust isn’t just part of the job—it’s what makes her work meaningful. Emily takes the time to understand what matters most to her clients. Driven, resourceful, and thoughtful, she explores financing solutions that not only help clients achieve homeownership but also give them confidence in planning for their family’s future.
Originally from Queens, New York, Emily has fully embraced the South as her home and now lives just outside of Fort Bragg in North Carolina. In her free time, she loves hitting the road for new adventures and making memories with her husband, two sweet boys, and their dog, Lola.
When you work with Emily Riofrio, you are not just another number or transaction. Emily is here for you throughout your homeownership journey!
Contact Emily Buy a HomeMortgage Payment Calculator
Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis.Expect to pay $35 a month per $100,000 in home value.Principal & Interest
$1,083
Taxes
$507
Mortgage Insurance
$73
Home Owners Insurance
$108
HOA
$100
| Purchase Price | Loan Amount | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% |
|---|---|---|---|---|---|---|---|
| $225,000 | $213,750 | $1,838 | $1,903 | $1,936 | $1,969 | $2,002 | $2,036 |
| $235,000 | $213,750 | $1,871 | $1,903 | $1,936 | $1,969 | $2,002 | $2,036 |
| $245,000 | $213,750 | $1,871 | $1,903 | $1,936 | $1,969 | $2,002 | $2,036 |
| $255,000 | $242,250 | $2,093 | $1,903 | $1,936 | $1,969 | $2,002 | $2,036 |
| $265,000 | $242,250 | $2,093 | $1,903 | $1,936 | $1,969 | $2,002 | $2,036 |
| $275,000 | $242,250 | $2,093 | $1,903 | $1,936 | $1,969 | $2,002 | $2,036 |
| $275,000 | $242,250 | $2,093 | $1,903 | $1,936 | $1,969 | $2,002 | $2,036 |
| Cost of Waiting | $36 | $73 | $110 | $148 | $186 | ||
Contact Emily
