Why borrowers stay calm with Sonii

Sonii Koetter helps buyers in Florida and Georgia get the right mortgage for their situation. Whether you're buying your first home or refinancing to lower your monthly payment, Sonii walks you through every option so you can make a confident decision. She explains the numbers in plain English and answers every question before you have to ask it twice. Sonii works as part of CMS Mortgage Solutions, a wholesale brokerage that shops 50+ lenders for every loan. That means you get more options and better pricing than you would at a single bank. She compares programs across the entire network to find the one that fits your income, credit, and down payment. With two years of hands-on experience closing loans across Florida and Georgia, Sonii knows the local programs, builder incentives, and first-time buyer assistance available in both states. When you reach out, you'll get a clear breakdown of what you qualify for, what your monthly payment will look like, and what happens next.