Your Local KW Expert in Winter Park — Who Also Does Your Mortgage
Most agents hand you off to a lender. Stacy Ann Stephens is both your Keller Williams Realtor and your licensed Mortgage Broker — one expert who handles your home search and your financing, start to close.
The KW Winter Park Agent Who Actually Gets It
I came to this work the long way — immigrating from Jamaica, building a life in America, and watching firsthand what happened to families who didn’t have someone in their corner when the 2008 crash hit. That changed how I practice real estate.
“My clients don’t need a transaction. They need someone who understands what this purchase actually means for their family — and who has the expertise to protect them at every step.”
With 24+ years in real estate, an MBA in Project Management, and dual licenses as both a Realtor and a Mortgage Broker, I’m able to offer something most agents simply can’t: complete oversight of your home purchase from search to close.
Based at the Keller Williams Winter Park office at 147 W Lyman Ave, I serve buyers, sellers, and investors across all of Central Florida — with specialized expertise in non-traditional financing, international purchases, and investment properties.
What Makes a KW Winter Park Expert Different
Not all Keller Williams agents are built the same. Here’s what you get when you work with someone who’s built their entire practice around being genuinely different.
One Point of Contact. Full Expertise.
No waiting for your lender to call back before your agent can answer. Stacy coordinates both sides in real time — faster decisions, fewer surprises, and someone who sees the full picture.
Non-Traditional Buyers Welcome
ITIN? Foreign national? Self-employed with complex income? Stacy has navigated these scenarios hundreds of times and knows exactly which loan products work — and which lenders say yes.
Investor-Grade Market Knowledge
Whether you’re buying your first home or building a rental portfolio, Stacy brings financial analysis skills most agents don’t have — DSCR, cap rate, STR performance, cost segregation strategy.
Central Florida’s Full Spectrum
From first-time buyers in Altamonte Springs to lakefront estates on the Winter Park Chain of Lakes — Stacy works across price points and property types across the region.
MBA-Level Process Management
Real estate transactions have a lot of moving parts. With a Project Management MBA and 24 years of experience, Stacy runs a tight, organized process — nothing falls through the cracks.
Trusted Advisor, Not a Salesperson
Stacy’s clients describe her as the person who tells them the truth — even when that means slowing down. She’s in this for relationships, not just commissions.
One Agent. One Lender.
Most buyers use two separate professionals for their home search and their mortgage. With Stacy, you get both under one roof — which changes everything about the experience and the outcome.
Home Search & Negotiations
- Buyer representation across Central Florida
- Listing agent & seller strategy
- Luxury, investment & new construction
- Corporate relocation & community introductions
- Market analysis & precise pricing strategy
- Offer negotiation & contract management
Financing & Loan Placement
- Conventional, FHA, VA, USDA loans
- DSCR & investor financing (rental income qualifying)
- ITIN loans — no Social Security number required
- Foreign national mortgages
- Non-QM & bank statement programs
- Down payment assistance programs
Living & Loving Winter Park and Beyond
Based in Winter Park. Built for Central Florida.
From the brick-lined streets of Park Avenue to the lakefront estates along the Winter Park Chain of Lakes — Stacy knows this market street by street, neighborhood by neighborhood. As a KW Winter Park agent, she serves buyers and sellers across the entire greater Orlando metro.
Whether you’re relocating from out of state, investing from abroad, or buying your first home right here in Orange County — this is the market she calls home.
Questions About KW Winter Park — Answered
The questions buyers, investors, and relocators ask most — answered straight, no fluff.
Who is the Keller Williams agent in Winter Park, FL?
Stacy Ann Stephens is a licensed KW Realtor based at the Winter Park office at 147 W Lyman Ave. She is also a licensed Mortgage Broker (NMLS #1933745) — making her one of the only agents in Central Florida who handles both your home search and your financing.
Who is the best Realtor in Winter Park, Florida?
Stacy Ann Stephens brings 24+ years of real estate experience, dual licensure as a Realtor and Mortgage Broker, and specialist expertise across first-time buyers, luxury, ITIN, foreign nationals, and investors. She is based at Keller Williams Realty Winter Park, 147 W Lyman Ave, Winter Park, FL 32789.
Can I buy a home in Winter Park FL with an ITIN number?
Yes. Stacy specializes in ITIN mortgage programs that allow buyers without a Social Security number to purchase property in Florida. She works directly with non-QM lenders and can originate these loans as your mortgage broker.
Does Keller Williams Winter Park handle investment properties and DSCR loans?
Yes — and this is a core specialty. DSCR loans qualify on the rental income of the property, not your personal tax return. Stacy can identify the right investment property and structure the financing herself as your licensed mortgage broker.
How is working with a KW agent who is also a mortgage broker different?
You have one expert managing both sides of your transaction in real time. That means faster decisions at critical moments, no coordination delays between agent and lender, and someone who fully understands your financial picture when negotiating your purchase price.
Does the KW Winter Park office help international and foreign national buyers?
Yes. Stacy works regularly with foreign nationals and international buyers purchasing Florida property. She can source foreign national mortgage products that don’t require U.S. credit history or permanent residency — and guide you through both the real estate and the financing.
Ready to Work With a KW Winter Park Expert?
Whether you’re buying, selling, or investing — let’s start with a conversation. No pressure, no pitch. Just clarity on what’s possible for you in this market.
Winter Park, FL 32789