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.

"It is evident that Sharlene Mercier has a genuine passion for client success and satisfaction. The depth of her understanding reveals that she has invested greatly in obtaining exceptional knowledge of the real estate market. The combination of her integrity, passion and professional expertise aff… Read MoreRead Less

"SOHO Realty & Mortgage Lending truly sets the standard for exceptional service. From the very first interaction, the team was knowledgeable, responsive, and genuinely committed to making the entire process smooth and stress-free. Every question was answered clearly, every detail was handled with car… Read MoreRead Less

"Sharlene Mercier is absolutely amazing. SOHO Realty & Mortgage Lending will provide you with a wonderful home purchasing experience from beginning to end. She is truly a realtor with professionalism, knowledge, experience, and truly cares about making sure the home is perfect for you. Let me say con… Read MoreRead Less

"Every person dreams of purchasing a home with the guidance of someone honest, knowledgeable, and grounded in true integrity. We all want to feel welcomed, handled with care, and supported by someone who understands our unique needs — not just as clients, but as individuals with real goals, real circ… Read MoreRead Less

"Working with Sharlene was one of the best decisions we made. Having someone who is both a knowledgeable Realtor and lender made the entire process so much smoother. She was transparent from day one, always available to answer questions, and explained every step so we knew exactly what to expect. The… Read MoreRead Less

"Sharlene is the definition of professionalism. Her knowledge of both real estate and mortgage lending is unmatched, and that combination makes the entire transaction seamless. She is patient, responsive, incredibly organized, and always keeps you informed throughout the process. I appreciated how tr… Read MoreRead Less

"I have had the pleasure of working with Sharlene and her team. SOHO Realty is one agency that is dedicated to helping their clients as well as providing top tier customer service. Sharlene is very knowledgeable and with her expertise you will be extremely happy to work with her and her team in every… Read MoreRead Less

"Mrs. Sharlene is absolutely THE BEST and very understanding. She takes her time and explains from start to finish!"