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Agents of Mid Florida Realty



Roger Lazzarino Roger Lazzarino (Real Estate Broker & Mortgage Loan Officer)

Roger covers the following Florida counties: Hillsborough, Manatee, Pinellas, Pasco, Polk, Lake, Orange, Seminole, and Osceola. He started his mortgage lending career in 2003. Many of the mortgages he Originated used various down payment assistance programs. That's where he learned how valuable these programs are to regular working folks. In 2004, while originating mortgage loans, he obtained his Personal Insurance Agents license and his Georgia Real Estate license. He's personally helped over 500 people either sell, purchase and/or finance residential property. He's a Florida licensed Mortgage Loan Officer and he has a Real Estate Broker's license in Florida and Georgia. He is the Managing Broker of Mid Florida Realty. In his real estate career, he's 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!

John Downing 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!

James Riggs 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!

Through his experience and passion for the real estate and mortgage industries, Mike has led several innovative loan origination and real estate purchase initiatives that have resulted in significant financial benefits to our consumers. Michael has been instrumental in loan origination and down payment assistance programs to Consumers throughout Florida. He is committed to improving the community through the benefits of homeownership. If you’re in South Florida, you’ll want to speak with Mike about your Home investment.

Mo Saber (Realtor)

In additional to being a licensed FL Realtor, Mo graduated with honors, with a Bachelor’s Degree in Civil Engineering from Higher Technological Institute [HTI] and a Master’s Degree in Business Administration [MBA] from Florida Institute of Technology [FIT] in Melbourne, Florida. He holds his Professional Project Management Certification [PMP] making him a member of the Project Management Institute [PMI].

His knowledge of residential and commercial construction combined with his organizational skills and pursuit of excellence will be a great asset to any new home buyer during their home search. Mo and his team are dedicated to helping homebuyers, especially first-time homebuyers, achieve their dream of homeownership. His partner and team member, Shemiah Schene, is a licensed realtor and professional loan officer with 20+ years in residential lending, which will add a great deal of knowledge and confidence throughout the financing process. When it comes to finding your perfect home and the best loan program possible, we have you covered!

Shemiah Schene (Realtor & Mortgage Loan Officer)

Shemiah Schene has 20+ years of experience in residential mortgage lending! She is an active Mortgage Loan Officer and Licensed Realtor in the State of Florida. She has an extensive background in Mortgage Financing and operations, which has proven to be a tremendous asset in her role as a professional Mortgage Financing Specialist. The most critical part of the homebuying process is the financing! Having her knowledge and experience to back you up, will give you the confidence needed when shopping for your new home!

Her knowledge of down payment assistance programs, VA, USDA, FHA and Conventional Financing along other low down payment options, will help her to quickly place you in the best loan possible with the best lender for you and make what many consider a complicated process, feel seamless. The relationships and reputation she built over many years in the real estate and mortgage industry will be instrumental in your being able to finance, negotiate and purchase the home of your dreams. Shemiah and Mo Saber, work hand in hand, servicing the residents of Brevard, Indian River, parts of Osceola, Orange, and Seminole Counties as a team! We look forward to helping you and your family find your new home!

Yanya McReynolds Yanya McReynolds (Realtor & Mortgage Loan Officer)

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!

Terrel Smith 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!

Duskie Smith Duskie Smith (Realtor)

What do you get when you cross an avid fisherman with a REALTOR®? Answer: A new home with a map to some of the areas best and most secret fishing spots! Duskie has lived in Tampa her entire life and knows the area well. She's been fishing since she was a little girl, so whether you're interested in Real Estate or fishing, she has plenty of "secret" spots to share! If it's nightlife, fishing, or schools that are part of your search criteria, Duskie can guide you to it! Although she lives in Tampa, when people ask her what area she works in, her answer is always "Florida". She will go anywhere to help someone. When you're shopping for a home, don't be surprised if you find her on top of the roof looking for leaks or under the house looking for termites. It's just what she does. Duskie is a true real estate professional who is also a successfull professional investor. She aquired her first property in 1998. She knows what to look for and what her Buyers should be aware of. With internet access from almost everywhere, you can contact her 12 hours a day. She'll pick up the phone. Her goal is to provide the best service and help her clients understand every aspect of the buying and selling process. She wants your experience to be an enjoyable one, whether you're a Seller, First Time Home Buyer, or seasoned investor. Behind Duskie's big smile is a smart, tough, hard working professional that is ready to negotiate for you. Helping people is one of her passions, not only in real estate, but also in the less fortunate community as well. On any given day, you might find her donating food and clothing to the homeless. Her calm demeanor and friendly nature will make you feel at ease from the moment you meet her. Her clients often become lifelong friends, so be prepared to join the family!

Related Links

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