In my ten years as a real estate agent I have never come across such an unprofessional loan officer as Juan J. Rivera.
He strung my first time home buyer along for two months before the bank denied the loan he swore he could close.
One thing you can count on is that he will never answer the phone or respond to emails.
He will just leave you hanging. There are hundreds of loan officers out there and this is one you need to avoid.
Not only him, but Bank of America as well.
This bank must train their loan officers to NOT communicate because that is what I experience time and time again.
Do not work with Juan J. Rivera. You will regret it.