Ebonie Caldwell is a licensed REALTOR® and Mortgage Loan Officer with more than 25 years of experience in real estate, mortgage lending, underwriting, marketing, negotiations, and contract structuring. As a skilled negotiator and marketing expert, she helps buyers, sellers, homeowners, and real estate investors by providing real estate representation and mortgage financing under one roof.

Highlights:

• 25+ years of real estate and mortgage experience
• Taught more than 14,000 students real estate investing
• First-time homebuyers, luxury homes, investment properties, and new construction
• Down payment assistance and homebuyer grant experience
• Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR, construction, and investor financing
• Strategic contract structuring to reduce out-of-pocket closing costs by maximizing concessions, lender credits and grants
• High-impact marketing and strong negotiation skills

I pride myself on helping clients buy, sell, invest, and finance real estate with confidence by delivering practical, results-driven solutions from the initial consultation through closing. I take the time to understand each client's goals and never give up on them. Even if they are not yet credit-ready, I work alongside them to create a personalized plan, improve their financial position, and prepare them for homeownership or investing. From the first conversation to the closing table, I remain committed to providing guidance, education, and support every step of the way. My goal is not just to help clients complete a transaction, but to build lasting relationships and help them achieve long-term success through real estate.