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Agents of Mid Florida Realty



Roger Lazzarino (Broker)

Roger covers the following Florida counties: Hillsborough, Manatee, Pinellas, Pasco, Polk, Lake, Orange, Seminole, and Osceola. He started his mortgage lending career in 2003 and has personally originated over 200-1st Mortgage loans. Many of them using various down payment assistance programs. Simultaneously, while originating mortgage loans, he obtained his Personal Insurance Agents license and his Real Estate license. Roger continued to originate mortgage loans until 2013 when he decided to dedicate himself exclusively to real estate full time. He has personally helped over 350 people either sell or purchase property. He has a Broker’s license in Georgia and Florida and is the Managing Broker of Mid Florida Realty. In his real estate career, he has been an REO (foreclosure) Listing Agent for Wells Fargo and Ocwen Loan Servicing and has completed over 600 Broker Price Opinions for virtually all the Secondary Market Loan Servicers. Of course, what this means to his Listing or Buying Clients is that he knows exactly how much a property is worth. He is also a Certified Distressed Property Expert (CDPE) and is a Home Affordability Foreclosure Alternative Broker (H.A.F.A) Short Sale Agent. Because of Rogers vast mortgage loan experience, his practical knowledge and extensive training in foreclosures is invaluable in helping both Buyers and Sellers make better and more informed decisions. Whether his Client, either a Buyer applying for a mortgage loan program or as a Sellers Listing Agent, questioning an unknown mortgage loan officer about a potential buyer's qualifications, he knows exactly what questions to ask and what answers are acceptable. Because the mortgage process is so complex it takes someone with the specialized knowledge and ability to properly screen both Buyers, and Sellers potential Buyers alike. The mortgage process represents about 90% of why real estate transactions don't close. He helps to greatly reduce or eliminate this potentially unfortunate outcome. Please give Roger a call if you want to know the details of the home buying or selling process. Roger knows more about Florida Down Payment Assistance Programs then any Realtor or Lender in the State of Florida. Roger has never lost a real estate sale due to financing!

Joe Lamoureux (Realtor)

Joe has been a realtor for several years and takes pride in developing answers to challenging solutions. It doesn’t matter if he’s listing the property for one of our Sellers or helping a First Time Home Buyer using one of the many public or private Florida down payment assistance programs. Joe takes great pleasure in helping people find their home, whether it’s a new home or a previously titled home. He’s very knowledgeable and can take care of any situation that arises. His family’s longtime and successful business is Home Inspections for Central Florida. You can bet he’s very familiar with what differed maintenance looks like and what it will take to resolve those issues. He attitude is to strive for his Clients to be so happy with his results, they’ll gladly refer him to all their friends and family. Joe covers Lake, Orange, Osceola and Seminole counties. Joe is here to either help you buy a house and guide you through the mortgage financing maze or help our Listing Clients sell their property for as much as the market and the appraisal will allow. Call him today so he can help you get started with your real estate transaction!

John Downing (Realtor)

John covers the following Florida counties: Duval, Clay, Flagler, Putnam, St. Johns, and Volusia. John started his mortgage lending career in 1997 and has transitioned into a real estate sales career. Because of Johns mortgage loan experience, his knowledge is invaluable in helping both Buyers and Sellers make better and more informed decisions whether his Client, either or a Buyer applying for a mortgage loan program or as a Sellers Listing Agent questioning an unknown mortgage loan officer about a potential buyer's qualifications. Because the mortgage process is so complex and detailed it takes someone with the knowledge and ability to properly screen both Buyers and Sellers potential buyers alike. The mortgage process represents about 90% of why real estate transactions don't close. He helps to greatly reduce this potentially unfortunate outcome. His experience includes originating hundreds of first and second mortgage loans and is one of the top Realtors at Mid Florida Realty. Please give John a call if you want to know the details of the home buying or selling process. John has never lost a sale due to financing!

Morrie Lindsey (Realtor)

Morrie began her real estate career in 1987. She owned and operated a commercial construction company for 15 years. She later became a Mortgage Broker and ultimately opened her own mortgage company. After the “crash” she decided to get back into the real estate world full time and worked as a Listing and Buyers Agent for a Fannie Mae and HUD approved Listing Broker. She’s now an expert in REO’s (foreclosures), Mortgage Loan Origination and loves working with first time home buyers! Give her a call if you want a real pro!

James Riggs (Realtor)

James covers the following Florida counties: Sarasota, Manatee, Pinellas, Pasco, Hillsborough, Lake, Orange, Osceola, and Polk counties. James specialized training in the mortgage loan process is invaluable in helping both Buyers and Sellers make better and more informed decisions. Whether his Client is either a Buyer applying for a mortgage loan program or as a Sellers Listing Agent questioning an unknown mortgage loan officer about a potential Buyer's loan qualifications. Because the mortgage process is so complex it takes someone with the knowledge and ability to properly screen both Buyers and Sellers potential buyers alike. The mortgage process represents about 90% of why real estate transactions don't close. He helps to greatly reduce this potentially unfortunate outcome. James was previously in the high-tech manufacturing market for 20 years. Serving as CEO, CFO and COO for various firms. He brings that level of executive experience to the Real-estate market. His knowledge of finance, credit and the banking system allows for him navigate the complex mortgage market for his clients. On the personal side, James has been married for 26 years with 3 children. He has given his time and opened his home to foster children. Over 19 foster children throughout a 15-year span. James is a native Florida, born in Plant City and raised in the Tampa Bay Area. He attended USF in the engineering and business departments. Please give James a call if you want to know the details of the home buying or selling process. He is an expert!

Dwayne Rahming Jr. (Realtor)

Dwayne covers the following Florida counties: Hernando, Pinellas, Pasco, Lake, Orange, Osceola, Polk, and Hillsborough counties. Dwayne began his Real Estate career as a New Construction Subdivision Agent for a large regional Builder. He has been trained to look for certain construction techniques that reveal the overall quality of construction to a new home. This is a niche that he excels in when showing his Buying Clients what to look for in a home. Dwayne’s specialized training in the mortgage loan process is invaluable in helping both Buyers and Sellers make better and more informed decisions. Whether his Client is either a Buyer applying for a mortgage loan program or as a Sellers Listing Agent questioning an unknown mortgage loan officer about a potential Buyer's loan qualifications. Because the mortgage process is so complex it takes someone with the knowledge and ability to properly screen both Buyers and Sellers potential buyers alike. The mortgage process represents about 90% of why real estate transactions don't close. He helps to greatly reduce this potentially unfortunate outcome. Dwayne graduated from the University of South Florida with a bachelor's degree in Communication. Becoming a Realtor was a natural progression with a proven Business and Professional Services background. Over the years his work experience has included, Sales, Networking & Business Development, and Client Relationship Building. His interpersonal talents include being a highly creative and self-motivated leader, with an ability to get the job done while maintaining strong client satisfaction. Dwayne is reliable, honest, focused and determined, willing to go the extra mile to get the job done! He is a full-service Realtor whether it comes to buying or selling real estate. He also possesses the knowledge of a Certified Down Payment Assistance expert. In this ever-changing market, how can you feel safe about your most valuable investment; your home? The most important thing Dwayne has learned is to work with someone you can trust someone you are confident about, someone you know is looking after your best interest. Someone that will give you solutions! Call or email Dwayne today to have full consultation.

Marcos Minaya (Realtor)

Marcos began his real estate career in 2002 and later began Originating Mortgage Loans in his family’s mortgage business. Having over 15 years as a South Florida Realtor gives Marcos the experience and geographical knowledge to truly help our Real Estate Customers. Marcos covers Saint Lucie, Palm Beach, Broward and Miami Dade Counties. Marcos is another one of our Realtors that has Mortgage Lending in his background. Of course, this mortgage lending background advantage helps him recognize and suggest the best loan programs for all our diverse Clientele. Whether they be First Time Home Buyers using Down Payment Assistance or have the wherewithal to purchase luxury Homes in South Florida! Marcos is there to listen and help!

Yanya McReynolds (Realtor)

Yanya has a passion for her community and the people in it. She moved to Florida with her husband and 2 daughters from Illinois in 1987 for the beaches and sunshine and knew this was the place she wanted to live for long time. Her love of animals drives her to be an advocate for many animal organizations. She is also active in her community as a voice for the homeless, working with the local Project Pop Drop to help deliver clothing and food to various shelters throughout the surrounding counties every month. With a background in accounting she actually started her career in the insurance industry which spanned 23 years giving her a unique insight to most all areas throughout Tampa Bay including Central Florida. Understanding the challenges of homeowner insurance makes her a valuable asset when looking for a home. It's her honesty, integrity and determination along with a yearning for knowledge that allows her to be so successful in buying and selling Real Estate. Yanya provides her expertise and market knowledge to help clients find the perfect home. Owning several businesses throughout her career has given her a clear understanding of finance and marketing to make her the perfect agent to list your home for sale. Her skills include negotiations, excellent organization and a strong work ethic. Whether you are considering selling your current home, looking for your first home or searching for your next home, she is the agent that can work for you to get the results you need. Don't wait, she is waiting for your call today!

Terrell Smith (Realtor)

Terrell began his real estate career in 2002 as a Mortgage Banker and worked his way up to Vice President of the company. He later went on to obtain his Florida real estate license to round out his diverse knowledege of the residential real estate industry. Terrell's combined knowledge of mortgages and real estate transactions allows him to represent both buyers and sellers through the detailed real estate transaction process. Mortgage guidelines can be fairly complex and seem contradictory at times and it really helps to have someone on your side that knows the nuances of both the mortgage and real estate world. He gives you explanations when others can't. This specialized knowledge and ability makes your home buying or selling process go much smoother. Terrell will always have your best interest at heart and will keep you informed throughout the entire process. Call or email Terrell today, he has the answers and answers the phone!

Related Links

Florida Down Payment Assistance
Florida First Time HomeBuyer
Real Estate Jobs
Mortgage Jobs