Yes, You Can Own. And I'll Show You How.

Credit concerns, high debt, no savings, starting over — I've walked women through every situation to the keys of their own home.

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Years In Business

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Clients Served

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In Sales

Does This Sound Familiar?

THE CALCULATOR CONFUSION

"The numbers don't make sense to me."

THE HOUSE-POOR FEAR

"What if I buy and can't live my life anymore?"

THE WAITING TRAP

"I've been thinking about this for two years."

THE SOLO BUYER QUESTION

"Am I really supposed to do this alone?"

Many of the women I've helped have said at least one of these things — some have said all four. And they all have keys now. You're closer than you think. Let's find out exactly how close.

Check My Readiness

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Real Results, Real Families

500+

Families Helped

From first-time buyers to seasoned investors, we’ve empowered hundreds of families to start and scale their wealth journey.

$100M+

in Wealth Generated

Through smart purchases, strategic selling, and long-term planning, our clients have built lasting equity and financial security.

1000+

Homes Closed

Each home is more than a property—it’s a stepping stone toward financial independence.

Client

Satisfaction

0
See How We Can Help You

Here's How We Get You to Keys

A clear path. Start where you are.

  • Download the GuideDownload the Guide

Get the 90 Days to KEYS Guide — the real numbers, the real mistakes, the real path. Yours free.

  • Free WorkshopFree Workshop

Every week, I break down the full framework live. Bring your questions. Get real answers.

  • Readiness AssessmentReadiness Assessment

Find out exactly where you stand. 5 minutes. Personalized results.

  • Strategy Call (Earned)Strategy Call (Earned)

Once you've completed your Assessment, you'll unlock a private 1:1 with me. We map your exact path to keys together.

Not sure where to start?

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Get the Free Guide

2 minutes · No credit pull

Real Estate AND Mortgage — Without the Handoffs

Most buyers juggle two agents, two timelines, two sets of promises. With SOHO, it's one guide from start to finish.

HOME LOANS

The Right Loan Is the Foundation of Real Stability.

Big banks say no. We say let's look closer. Our lending partners approve the situations big banks won't — single income, self-employed, credit rebuilding, starting over.

Explore Your Options

Buy

Buy With Confidence. Move In With Peace of Mind.

From your first nervous question to the keys in your hand — we walk every step with you. No rushed decisions. No pressure. No confusion about what happens next.

Start Your Journey

Sell

Sell Smart. Protect What You've Built.

Moving on, moving up, or starting fresh — we help you get every dollar your home is worth, with strategic pricing and buyers already in our pipeline.

Get Started

I watched too many women — smart, capable, strong — talk themselves out of something they deserved. A home of their own. So I built SOHO for the woman who walks in thinking she can't and walks out with keys. Because your situation isn't the problem. Being alone with it is.

— Sharlene Mercier

CEO | Founder | Wealth Strategist / SOHO Realty & Mortgage Lending | Houston & Atlanta

27+ YEARS IN BUSINESS | 500+ CLIENTS SERVED | $150M+ IN HOMES SOLD

Learn More About Sharlene

FREE DOWNLOAD

Take Step 1.

Download the 90 Days to KEYS Guide — the same framework I walk my clients through on our first call.

Inside: the real numbers, the four mistakes I see women make again and again, and the exact path from where you are today to keys in your hand.

  • The REAL monthly cost of owning a home — not what online calculators show you
  • The four mistakes that keep smart, capable women stuck
  • What 'ready' actually means — and why you may be closer than you think
  • The full 90 Days to KEYS framework — explained step by step
Download the Guide

Instant download. Read it at your own pace — and come back when you're ready for Step 2.

Real Women. Real Stories. Real Keys.

Every woman below started with "I don't think I can." Look for the one whose story sounds most like yours.

Single Mom of 3. Entrepreneur. Post-Divorce.

Sarah J.

THE SITUATION

After her divorce, Sarah assumed homeownership was years away. Between rebuilding her finances and raising three children, she wasn't sure where to start or whether buying a home was even possible.

THE OUTCOME

With a clear plan and the right lending strategy, Sarah purchased her first home and created stability for her family.

"I stopped feeling overwhelmed the moment I finally had someone explain the process in a way I could understand."

FIRST-TIME BUYER. HEALTHCARE PROFESSIONAL. NEW TO ATLANTA.

Jessica M.

THE SITUATION

Relocating for a new career opportunity, Jessica wanted to buy instead of rent but felt intimidated by rising home prices and the mortgage process. She worried she would make the wrong decision.

THE OUTCOME

Together, we mapped out her financing options, narrowed her search, and helped her purchase a home that fit both her lifestyle and long-term goals.

"For the first time, I felt like someone was helping me build a future—not just close a transaction."

CORPORATE EXECUTIVE. INVESTOR. BUILDING GENERATIONAL WEALTH.

Nicole R.

THE SITUATION

Nicole had already achieved professional success but wanted to take the next step toward building lasting wealth through real estate. She needed guidance on identifying the right investment opportunity and financing strategy.

THE OUTCOME

By leveraging her equity and creating a customized plan, Nicole successfully purchased an investment property that aligned with her long-term wealth-building goals.

"I walked away with more than a property. I walked away with a strategy and the confidence to keep growing."

"Would not recommend. Unprofessional and dishonest. Do not sell your home with this company unless you want to get the runaround and lose thousands of dollars in the process."
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Keath Tanksley
View review on Google
"Sharlene and her team truly exceeded all expectations! Having real estate and financing guidance under one roof made the entire process seamless, and their top-tier communication every step of the way was icing on the cake. I highly recommend SOHO Realty & Mortgage Lending for your next home purchas… Read MoreRead Less
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A Rose
View review on Google
"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
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Farah Anderson
View review on Google
"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."
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Riawna Kelly
View review on Google
"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
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Dallas Singleton
View review on Google
"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
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Farah Anderson
View review on Google
"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
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Rhonda Merchant
View review on Google
"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!"
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Stacye Tanksley
View review on Google
"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."
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Lenore Evans
View review on Google
Read More Success Stories
Read More Success Stories

Your Story Could Be Next.

Every woman above started exactly where you are. They weren't alone. Neither are you.

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Still Have Questions?

I've heard them all. Here are the ones women ask me most.

Yes. Completely free. No credit card, no hidden fee, no catch. It takes about 5 minutes and gives you a personalized score plus your next best step.

That’s exactly why the Assessment exists. Your credit score is only one part of the picture, and there may be options depending on your income, debt, timeline, and overall goals. We’ll help you understand where you stand and what steps can move you closer to homeownership.

No. The Guide and Assessment are designed to give you clarity, not pressure. You’ll receive helpful information related to your next steps, but we will never overwhelm you with constant sales messages.

After you complete the Assessment, you’ll receive personalized results based on your answers. From there, you’ll know whether you’re ready to move forward now or which steps to focus on next.

Not always. Many women buy homes on their own, and your options depend on your income, credit, savings, and loan fit. The best first step is understanding your numbers clearly.

SOHO Realty & Mortgage serves clients across the Houston and Atlanta markets, including surrounding communities. Whether you're buying, selling, or exploring your options, we’ll help you understand what is possible in your area.

Have More Questions?

Take the Assessment

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ONE LAST THING

This Is the Year You Hold Your Keys.

It starts with five minutes. The rest is a plan we build together.

I know what it feels like to scroll to the end of a page like this and wonder if you're really the woman it's talking to. You are. Every word of this page was written for you.

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Come to the Workshop

2 minutes · No credit pull