The Right Loan Is Your Foundation.

Get the loan right — and everything that follows gets easier.

Check My Readiness
Get Pre-Approved

2 minutes · No credit pull

"Your loan is the foundation. If we don't get this right, nothing else matters."

— Sharlene Mercier

Why We're Different.

Real Estate and Mortgage. One professional from application to closing.

DUAL SERVICE

Loan officer and real estate agent under one roof. One plan from pre-approval to keys.

REAL GUIDANCE

I explain every option until you're confident.

NICHE PRODUCTS

Credit challenges. Low down payment. I've got a lender for that.

This is what happens when your lender actually cares whether you keep the house.

Check My Readiness

2 minutes · No credit pull

Loan Programs for Every Buyer.

For your unique situation — credit challenges, low down payment, self-employed, starting over. We meet you where you are and guide you to keys in your hand.

JUST STARTING OUT

First-Time Buyer Loans

  • FHA loans with as little as 3.5% down 
  • Down payment assistance programs 
  • Flexible credit guidelines (580+) 
  • First-time homebuyer education 
  • Programs for single-income households

SELLING TO UPGRADE

Move-Up Home Loans

  • Bridge financing between homes 
  • Sell-and-buy coordination 
  • Second home and vacation property loans 
  • Equity-based financing options 
  • Conventional loan programs

RUNNING YOUR OWN BUSINESS

Self-Employed Loans

  • Bank statement loan programs 
  • Asset-based qualification options 
  • 1099 income programs 
  • Non-QM lender network 
  • No tax-return loan options

HIGHER PRICE POINTS

High-Earner Loans

  • Jumbo loans above conventional limits 
  • Luxury home financing 
  • Portfolio lender options 
  • Asset-based qualifying 
  • Tailored to high-income buyers

BUILDING WEALTH

Investor Loans

  • DSCR (debt service coverage) loans 
  • Multi-family property financing 
  • Rental property loans 
  • Short-term rental property programs 
  • Portfolio investment financing

ALREADY OWN A HOME

Refinance Loans

  • Rate-and-term refinancing 
  • Cash-out refinance to access equity 
  • Debt consolidation refinancing 
  • HELOC alternatives 
  • Lower monthly payment options

Team SOHO

Get Ready Before You Apply

The Women's Pre-Approval Guide — everything you need to know before talking to any lender.

Inside: how to read your credit, what lenders actually look at, what to fix first, and the exact paperwork to have ready when you're ready to move.

  • The 5 numbers every lender checks before saying yes 
  • How to read your credit report — and what to dispute 
  • The income documents you need (W-2, self-employed, mixed) 
  • What pre-approval actually means — and what it doesn't 
  • Common mistakes that delay approvals
Download the Pre-Approval Guide

Instant download. Yours to keep. No commitment.

The SOHO Advantage

Six things big banks don't do — and we always do.

SOHO Realty

vs

Traditional Agents

  • I answer the phone. I explain things. Until you get it.
  • We try multiple lenders, multiple programs. If there's a path, we find it.
  • We have lenders who specialize in self-employed buyers. Bank statements, asset-based — we find the right program.
  • Same team. Same plan. One person owns the outcome.
  • We start every conversation with what programs you might qualify for. Always.
  • You'll never sign something without understanding it. That's the rule.

BIG BANKS

  • They sent me to voicemail every time I had a question.
  • They told me I didn't qualify and I just took their word for it.
  • They said no because I'm self-employed.
  • My lender and my agent kept giving me different answers.
  • Nobody told me about down payment assistance.
  • They locked me into a rate I didn't understand.
Check My Readiness

2 minutes · No credit pull

Big Banks say No. We Find a Way.

Three lending situations where my team made the difference.

SELF-EMPLOYED · ENTREPRENEUR

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."

SINGLE MOM · CREDIT REBUILDING

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."

VETERAN · VA LOAN

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."

Lending Questions Women Ask Most.

Honest answers. No mortgage-broker speak.

Lower than you think. FHA loans can go down to 580, sometimes 500 with the right lender. The score is one factor — not the whole picture. Income, debt-to-income, savings, and timing all matter too.

[Answer from Sharlene]

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Have More Questions?

Take the Assessment

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