top of page



Coffee’s on Me
I just came back from a quick trip that gave me a lot to think about. I’ll dive into it more tomorrow—but right now, I want to extend an...

Racheli Refael Smilovits
Jul 26, 20251 min read
Will the Fed Lower Rates on July 30? What It Could Mean for You
If you’ve been waiting for mortgage rates to finally fall, you’re not alone. Since early 2024, buyers, sellers, and refinancers have been...

Racheli Refael Smilovits
Jul 20, 20251 min read
Get Down Payment Assistance Before It's Gone
Every year, I watch it happen. A buyer is ready. They’ve worked hard, saved what they could, and are finally excited to take the leap...

Racheli Refael Smilovits
Jul 12, 20251 min read
🏡 Hometown Heroes Program Is Back July 1st — Here’s Why You Can’t Wait
Every now and then, a program comes along that truly changes lives.That’s what the Hometown Heroes Program has done for so many...

Racheli Refael Smilovits
Jul 5, 20251 min read
🎯 Attract More Buyers: Fairway’s Realtor Marketing Secret You Need to Know
Here’s a behind-the-scenes look at something most agents don’t realize is available to them… Realtors are under constant pressure to not...

Racheli Refael Smilovits
Jun 29, 20251 min read
🏠 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 15, 20251 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 7, 20251 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 30, 20251 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 24, 20251 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 16, 20251 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 15, 20251 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 10, 20251 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 7, 20252 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 3, 20251 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 27, 20251 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 24, 20251 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 22, 20251 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 3, 20251 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 11, 20251 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 11, 20251 min read
bottom of page
