Women-First Real Estate & Mortgage Guidance

Empower Your Future with Confidence and Clarity

From first-time buyers to seasoned investors, we help women buy, refinance, and build wealth through real estate — with clarity, confidence, and care.

Take the 3-Minute Home Journey Assessment

Book a Clarity Call

No pressure. No jargon. Just a clear next step.

Not Sure Where to Start? Start Here.

Choose the path that matches where you are today — each one leads to clarity and a concrete plan.

Take the Home Journey Assessment

Answer a few quick questions and get a personalized roadmap: what’s holding you back, what’s possible, and your best next move.

Start the Assessment

Personalized. Fast. No pressure.

Download the Women’s Homeownership Guide

Not ready to talk yet? Get our step-by-step guide to becoming mortgage-ready, avoiding costly mistakes, and buying with confidence.

Get the Free Guide

Run Your Numbers With Our Calculators

See what you can afford, estimate payments, and compare scenarios with our easy-to-use tools — made for busy professional women.

EXPLORE CALCULATORS

No matter which path you choose, you’ll get guidance that meets you right where you are — and a clear plan to help you move forward.

What We Do

Real Estate + Mortgage, Under One Roof — Designed for Women

At SOHO Realty & Mortgage, you don’t have to juggle a separate agent, lender, and “Google research” on your own. We combine real estate and lending under one trusted roof — built for women who want clarity, confidence, and control in their homeownership and wealth-building journey.

Mortgage Lending

Finance With Strategy

From purchase loans to refinance and equity strategies, we match you with smart financing that supports your long-term goals.

Explore Mortgage Options

Buy

Buy With Confidence

Whether it’s your first home or your next investment, we guide you from vision to keys with a clear 90-day game plan.

Buy With Us

Sell

Sell Smart. Step Boldly.

Ready for your next chapter? We help you prep, price, and position your home to maximize value and protect your equity.

Sell With Us

One clear plan. One streamlined experience — designed for women who want confidence and control.

FREE DOWNLOAD

The Women’s Homeownership Guide

Take Control of Your Financial Future — One Step at a Time

This free, expert-built guide helps women buy with clarity and confidence. Learn how to get mortgage-ready, avoid common mistakes, and start building real wealth through homeownership.

Inside, you’ll learn:

Credit prep tips
First-time buyer programs
How to qualify as a single mom, entrepreneur, or veteran
Smart questions to ask your lender and agent

GET THE FREE GUIDE

Instant download. No spam. Just real help.

Tools That Put You in Control

Before you make a move, you need to know your numbers. Use these calculators to run scenarios, then book a call so we can build your strategy around them

Affordability Calculator

See how much home you can realistically afford based on your income, debts, and down payment.

Payment Estimator

Compare monthly payments at different price points and interest rates.

Debt-to-income (DTI) Calculator

See whether staying put, buying, or refinancing makes the most sense for your goals.

View All Calculators

Real Women. Real Results.

Stories of clarity, confidence, and wealth-building through homeownership.

The Johnson Family

From Renting to Roots

Tired of rising rent and unstable leases, the Johnsons were ready for a change—but unsure where to start. With our step-by-step support, they secured their first home in a rapidly growing neighborhood. Today, they’re building equity—and a future—for their children.

Maria G.

Turning a Divorce Into a Fresh Start

After a difficult divorce, Maria needed more than just a new place—she needed a plan. We helped her find a home that fit her budget, her kids’ school needs, and her long-term goals. Now, she owns a beautiful townhome and has begun investing in rental properties with our continued guidance.

Daniel & Keisha

Investing in Their Legacy

Daniel and Keisha had stable careers but were unsure how to turn their savings into something lasting. Together, we identified a duplex in an up-and-coming area. With rental income from one unit and equity growth on the horizon, they’re now building generational wealth.

"As both the buyer and the agent on my own home purchase, I needed a lender who could match my pace, support my vision, and guide me through every detail and she did exactly that. Purchasing a home as a single woman, mom of 3, and entrepreneur after divorce was a huge milestone for me. She made the p… Read MoreRead Less

"I would highly recommend SOHO Realty and Mortgage Lending to anyone looking to purchase a home. Mrs. Sharlene Mercier has so much knowledge and experience in the realty industry. She will make sure you are comfortable and confident throughout the process."

"Sharlene Mercier, displayed so much professionalism in dealing with my Family's Real Estate transaction. From the very start of the process I was sold that she had my best interest at heart. Walking me through every phase of the process and even following up with me just to provide timely check-i… Read MoreRead Less

"I had a great experience during my discovery call with Mrs Sharlene. She was very detailed, professional, and took the time to walk me through every step of the loan process. I really appreciated how informative and patient she was in answering all my questions it made me feel confident and supporte… Read MoreRead Less

"I recently worked with Sharlene to remodel and rent out my property, and she made the whole process so easy, I couldn't be more pleased with the experience. I had no idea where to start, but Sharlene guided me through every step and gave me great advice along the way. She was with me from start to f… Read MoreRead Less

"Sharlene was the absolute best to work with. She was always one step ahead of what was needed and treated us like family. We have worked with her before and will always work with her moving forward!!!! Thank you Sharlene for helping us find our forever home!"

"Sharlene is impeccable! I worked with her on my first mortgage purchase and is currently working with her after 10 years on the second. I came back to her because she has always been honest, knowledgeable , willing and resourceful in helping you reach your real estate goals."

"SOHO Realty was an absolute pleasure to to partner with! Sharlene provided our mutual client with excellent customer service. A true pleasure to work with! I would highly recommend SOHO Realty!"

Built for Women. Led by Women.

As a women-led boutique brokerage, we specialize in helping high-achieving women — single, partnered, moms, entrepreneurs, empty nesters — make confident real estate decisions that support the life they’re building.

We simplify the real estate and mortgage process, translate the jargon, and advocate for you at every step so you move forward with confidence and control.

Meet Sharlene