Financing Made Simple, With SOHO On Your Side

Getting a loan should not be confusing or overwhelming. Whether you're a first-time buyer or returning to the market, we guide you through every step with clarity and care.

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One Team. Two Services. Full Support.

When your mortgage and real estate strategy are managed by one trusted team, you get a smoother, faster, and more powerful experience. We do more than find you a home — we help you secure the financing that makes it possible, with a focus on long-term success, not short-term sales.

Find the Right Loan for Your Life

Loan TypePerfect ForWhy It Works
FHA LoanFirst-time buyers or low-to-moderate income clientsLow down payment and flexible credit requirements
VA LoanVeterans and active-duty military womenZero down payment and no private mortgage insurance
Conventional LoanBuyers with good credit and stable incomeCompetitive rates with flexible property options
First-Time BuyerNew buyers of all backgroundsTailored programs and grant options available

Get Clarity Before You Commit

Start smart with a quick assessment or see what you qualify for — two powerful first steps toward confident homeownership.

Start Your Homeownership Journey with Clarity

Answer a few quick questions to uncover what’s holding you back, what’s possible, and what steps to take next.
This personalized assessment helps us guide you — not just to a home, but to lasting financial empowerment.

Take The Assessment

You’ll get a tailored recommendation and access to exclusive resources.

Ready to See What You Can Afford?

Get prequalified in minutes with our trusted lending process. Whether you’re refinancing or buying your first home, we’ll help you understand your real numbers — fast and judgment-free.

Get PreQualified Now

Secure. Quick. No impact on credit.

Mortgage Questions? We’ve Got You.

Have more questions? Contact Us

Prequalification is a quick snapshot of your buying power. Preapproval is more in-depth and strengthens your offer.

Prequalification is a quick snapshot of your buying power. Preapproval is more in-depth and strengthens your offer.

Prequalification is a quick snapshot of your buying power. Preapproval is more in-depth and strengthens your offer.

Prequalification is a quick snapshot of your buying power. Preapproval is more in-depth and strengthens your offer.

Prequalification is a quick snapshot of your buying power. Preapproval is more in-depth and strengthens your offer.

"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 foRead 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 prRead 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 coRead 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 witRead 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 Read MoreRead Less
"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!"