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🏠 Hometown Heroes in Florida: The Clock Is Ticking on a Major Funding Cut
Let me tell you a quick story… I was catching up on housing news over breakfast — nothing too exciting, I thought. But then I read this...

Racheli Refael Smilovits
Jun 151 min read
🏠 HELOC vs Refinance: The Best Way to Pay Off Debt or Fund Renovations?
If you're a homeowner sitting on equity, you may be wondering: "Should I refinance my mortgage or get a HELOC to pay off debt or...

Racheli Refael Smilovits
Jun 71 min read
🔑 Unlock In-House Non-Conventional Loans: Bank Statement, DSCR & 1099 Options
Not every qualified buyer can walk into a bank and walk out with a conventional mortgage — and that’s okay. At [Your Company Name], we...

Racheli Refael Smilovits
May 301 min read
🧭 Real Estate Pro: Navigate Today’s Market Like a Boss
Let’s be honest: today’s real estate market is not the one we knew a few years ago. 📉 The days of easy approvals and minimal oversight?...

Racheli Refael Smilovits
May 241 min read
🏡 Home Ownership vs Renting: The Math Doesn’t Lie
Renting may offer flexibility — but it doesn’t offer equity. And when it comes to building wealth, home ownership almost always comes out...

Racheli Refael Smilovits
May 161 min read
🏡 Seller Commissions: Control Your Agent Fees! 💰
As a home seller, one of the most important—and often overlooked—decisions you make is about agent commissions . Traditionally, sellers...

Racheli Refael Smilovits
May 151 min read
🧠 Mental Health Pro: Stop Divorce Litigation Mode
Divorce is never easy, and emotions often run high. When tensions rise, even couples committed to the collaborative process can find...

Racheli Refael Smilovits
May 101 min read
Collaborative Law: Why Your Lawyer Gets Disqualified if You Go to Court
Collaborative law offers a peaceful, client-centered alternative to courtroom litigation, especially in emotionally charged cases like...

Racheli Refael Smilovits
May 72 min read


🏡 Buy vs. Rent in Florida: Why Now Is the Time to Become a Homeowner
If you’ve been renting in Florida, it might be time to reconsider your strategy. With the real estate market shifting in favor of buyers,...

Racheli Refael Smilovits
May 31 min read


South Florida Veterans: Worried About Buying a Home? We Can Help!
Thinking about buying a home but worried about a down payment or complex loan applications? The VA Home Loan program is designed to...

Racheli Refael Smilovits
Apr 271 min read


Florida’s Housing Market Update: A Buyer’s Advantage
The Florida housing market is undergoing a significant shift. Here’s what you need to know: Cooling Market: Home prices are stabilizing,...

Racheli Refael Smilovits
Apr 241 min read


Why is Gen Z Saving but NOT Buying Homes? 🤔
Gen Z is killing it when it comes to saving money, yet homeownership is still out of reach for many. What’s going on? Is it student debt?...

Racheli Refael Smilovits
Apr 221 min read


💔 Preparing for Divorce: Emotionally & Financially 💰
Divorce is tough—both emotionally & financially. Here’s how to prepare: ✅ Build a support system (family, friends, therapist) 🫂 ✅ Get...

Racheli Refael Smilovits
Apr 31 min read


Real Estate Secrets from a Canada Realtor in FL | Esther Nachmani & Racheli Refael Lender
Realtors are not created equal. Join Esther Isman Nachmani , a seasoned Realtor, Mentor, and Coach, as she engages in an insightful...

Racheli Refael Smilovits
Mar 111 min read


Your Mortgage Process | Florida Mortgage Team
www.Meet Racheli.com Buying a home or refinancing can feel like a magic trick—now you see the loan, now you don’t! But with me, there...

Racheli Refael Smilovits
Feb 111 min read


Divorce - Is the COLLABORATIVE process right for you?
https://www.divorcelendingassociation.com/offices/racheli-refael.cfm I had the pleasure of sitting with a divorce attorney Atuart Manfof...

Racheli Refael Smilovits
Jan 81 min read


Celebrating together Christmas 🎄and Hanukkah 🕎
Celebrating together Christmas 🎄and Hanukkah 🕎 Wishing you the best in the coming year. With love and friendship Racheli 🏡💰

Racheli Refael Smilovits
Dec 23, 20241 min read
Optional Mortgage Payment SECRET That Can Save You THOUSANDS
A Mortgage with an Optional Mortgage Payment! Does this exist? YES it does! As a real estate professional, you do not want to miss this...

Racheli Refael Smilovits
Nov 8, 20241 min read


Florida’s Housing Market Update: A Buyer’s Advantage
The Florida housing market is undergoing a significant shift. Here’s what you need to know: Cooling Market: Home prices are stabilizing,...

Racheli Refael Smilovits
Oct 9, 20241 min read


Live the Way You Want: Why Homeownership Matters 🏠❤️
Are you tired of asking permission to paint the walls or make improvements to your living space? Own Your Space, Own Your Style: Owning...

Racheli Refael Smilovits
Sep 26, 20241 min read
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