Free Tools to Help You Move with Confidence.

Guides, calculators, and real advice. No fluff. No gatekeeping.

Homebuyer Readiness Checklist

Everything you need to check before you start looking. Credit, documents, budget, timeline — all in one page. CTA: Download Checklist

Download Checklist

Mortgage Prep Workbook

Built for women. Understand your loan options, strengthen your profile, and walk into a lender meeting ready. CTA: Get the Workbook

Get the Workbook

Home Selling Success Guide

How to prep, price, and market your home. Stay in control. Maximize your return. CTA: Download the Guide

Download the Guide

Know Your Numbers.

Free calculators built to help you make confident decisions.

Mortgage Payment Calculator

Quickly see what your monthly mortgage could look like based on loan amount, interest rate, and term.

Try the Calculator

Home Affordability Calculator

Enter your income, expenses, and savings to discover how much home you can comfortably afford.

Calculate Now

Debt-to-Income (DTI) Calculator

Find out if your income vs. debt meets mortgage lender guidelines — and what steps to take next.

Check Your DTI

Latest from the Blog.

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5 Things Every Woman Should Know Before Buying Her First Home

Embarking on the journey of purchasing your first home is both exhilarating and daunting. For women ready to…

Searching for Homes for Sale in Sugar Land, TX

With a thriving economy, a strong sense of community and excellent amenities, Sugar Land is one of the…

Finding New Homes in Katy, TX

If you’re searching for new homes in Katy, TX, you’ll find plenty of options. There are hundreds of…

New Homes in Marietta, GA

Marietta is a family-friendly Atlanta suburb, with regularly held community events and a laid-back atmosphere. About 20 minutes…

Why It's Important To Work With A Realtor

When purchasing or selling a property, it is always a good idea to work with a professional, especially…

Things You Shouldn't Do When Buying a Home

With a never ending list of everything you ‘should do’ when purchasing a home, it seems counterproductive to…

Should I Rent or Buy a Home?

Purchasing a home will inevitably be the biggest financial discussion of your life. And the decision as to…

10 Top Reno's That Will Up the Sale Price of Your Home

When getting ready to sell your home, it can be hard to know what renovations will get your…

Real Women. Real Wins.

See how we've transformed futures through real estate

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.

"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."

"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

"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."