Know your comfort-payment number (not just "max approval")
The REAL monthly cost of a $400K home — beyond mortgage
Leave with your Readiness Score and a clear 90-day action plan

The Calculator Confusion "Online calculators say $2,400/month... but what's the REAL number?"
The House-Poor Fear "I don't want to buy and then not be able to live my life."
The Waiting Trap "I've been 'thinking about buying' for 2+ years but never pulled the trigger."
The Solo Buyer Question "Can I really do this on a single income without a partner?"
90 Days to KEYS™ Framework — The exact step-by-step process that turns overwhelmed renters into confident homeowners in 90 days or less
Real Numbers Behind a $400K Home — What your actual monthly payment looks like, including the hidden costs most agents don’t mention
The #1 Mistake High Earners Make — Why smart, successful women often buy the WRONG home and end up house poor (and how to avoid it)
What Lenders Actually Look At — Beyond your credit score: Income Stability, Debt Ratio, Cash Reserves, and Asset
Your Readiness Score — A quick assessment to know exactly where you stand and what to do next



High-Earning Professionals ($90K-$150K+): Discover how to find your comfort payment number — the amount that lets you buy AND maintain your lifestyle.
First-Time Buyers: Learn exactly what a $400K Houston home REALLY costs — beyond what online calculators show.
Single-Income Buyers: Get strategies specifically designed for women buying on their own — without a partner's backup income.
Analysis-Paralysis Sufferers: Walk away with a clear 90-day action plan — no more wondering if you're "ready enough."

March 19, 2026 7:00 PM CST.


"I had the pleasure of working with Ms. Mercier as a First Time Home Buyer. She was attentive to my concerns and gave me a detailed plan to use towards home-ownership."
"Sharlene has been such a huge help with the purchase of our home. Her knowledge of real estate and mortgages, finances etc. has truly been a blessing!"
"PHENOMENAL. 5 Stars Aren't Enough. I wanted to invest in real estate for years but was intimidated by what I didn't know and afraid of the financial risk..."
"Sharlene is AMAZING and has been our realtor/broker for years. She is detailed, thorough and stands strong as an advocate for her clients. She's an expert at what she does."
"From a young mother of three barely making ends meet to building a multimillion-dollar real estate portfolio—this is what clarity and confidence can do."
I bought my first home at 25 with three kids, a tight budget, and zero guidance.
Everyone told me what I qualified for. Nobody helped me figure out what I could actually afford without sacrificing everything else. I figured it out anyway—and then I did it again. And again.
What started as survival became strategy. I used real estate to build wealth, create options, and design the lifestyle I wanted and deserved. Today, I'm a dual-licensed Real Estate and Mortgage Broker with a growing investment portfolio and 25 years of experience helping others do the same.
But here's what I've noticed: high-earning professional women are standing on the sidelines. Not because they can't afford to buy—but because they're not sure they should. They're waiting for the "right time," the "right market," or the "right relationship status."
Meanwhile, wealth-building opportunities pass them by.
I'm done watching that happen.
That's why I created the 90 Days to KEYS™ framework—a clear, step-by-step path that takes you from "maybe someday" to holding your keys in 90 days or less. No confusion. No guesswork. Just clarity, confidence, and a plan that fits your life.
Yes — the live workshop is completely free. Just register to get the Zoom link and reminders.
A replay may be available for registered attendees only. If we release one, you'll receive it by email after the workshop.
No. This workshop is designed to help you understand what you can comfortably afford and what steps to take before and after pre-approval.
Absolutely. You can register once and join together from the same device (or forward them the confirmation details).
Come with a notepad and your questions. If you have them handy, bring a rough estimate of your savings/down payment and your income range — but it's not required.
You'll get a short readiness quiz to see exactly where you stand — plus resources based on your score. If you're ready to buy in 90 days, you can book a Strategy Session. If you need more time, you'll get a prep plan tailored to your timeline.
SOHO Realty and Mortgage Lending, Inc.19901 Southwest Freeway, Sugar Land, TX 77479 Real Estate: SOHO Realty, Inc | TX Broker License #9002187 | Mortgage: Company NMLS #1670859 | Sharlene Mercier NMLS #212099 | www.sohorealtyandmortgage.com/ Equal Housing Lender | NMLS Consumer Access: nmlsconsumeraccess.org. You are NOT required to use both services and are free to work with any real estate professional or mortgage lender of your choice. Separate compensation is received for each service. Full conflict of interest disclosures will be provided before any services begin.
