One Agent.
One Lender.
Every Step.
I’m Stacy Ann Stephens — a licensed REALTOR® with Keller Williams Winter Park and a licensed Mortgage Broker. For 24 years, I’ve helped Central Florida buyers, sellers, and investors navigate one of the most important financial decisions of their lives. What makes me different? I handle both your home search and your financing — which means fewer surprises, faster answers, and one trusted advisor from search to closing table.
Central Florida
Real Estate
Serving Buyers, Sellers & Investors Across Central Florida
From Winter Park and Lake Nona to Windermere, Celebration, and beyond — here’s how I help clients build wealth through real estate.
Comprehensive Real Estate Services,
All Under One Roof
Whether you’re buying your first home, listing a property, investing in rental income, or relocating your family to Central Florida — I have the expertise, the tools, and the local knowledge to get you there.
Home Buying
First-time buyer, upgrader, or relocating from out of state — I guide you from pre-approval to keys in hand. My MLS access, neighborhood expertise, and in-house mortgage option mean no gaps in the process.
Search HomesHome Selling & Listing
Pricing strategy backed by live market data. Professional photography, targeted digital marketing, and skilled negotiation. I list to sell — not just to list. See what your home is worth today.
Sell with MeNew Construction
Builder’s agents represent the builder. I represent you. I help buyers navigate model home selections, negotiate upgrades, understand builder contracts, and protect their interests from contract to close.
New Construction HelpInvestment Properties
From DSCR-financed rental properties to fix-and-flip opportunities, I help investors find deals that work. I understand the numbers — cap rates, cash-on-cash, DSCR ratios — and so should you before you buy.
Explore InvestmentRelocation Services
Moving to Central Florida from another state — or another country? I offer a full relocation blueprint: neighborhood comparisons, school research, community culture, and seamless logistics from first inquiry to closing.
Relocation BlueprintMortgage Coordination
As a licensed Mortgage Broker (NMLS #1933745), I offer DSCR, Non-QM, ITIN, Foreign National, FHA, VA, and conventional loans — directly. One call handles both the home and the loan.
Explore Loan Options
Your Advocate from First Showing to Closing Day
Most buyers don’t realize the on-site agent at a new construction community represents the builder’s interests — not yours. I’ve seen what happens when buyers go in alone. They overpay on upgrades, miss negotiation windows, and find out at closing that they needed more protection in the contract.
Whether you’re purchasing resale, new construction, or spec homes across Lake Nona, Winter Park, or Windermere — I’m your advocate at every step.
- Custom MLS search alerts tailored to your criteria
- Builder contract review and negotiation support
- New construction upgrade strategy — what’s worth it, what isn’t
- In-house pre-approval for a competitive edge on offers
- Neighborhood-by-neighborhood guidance from 24 years of local experience
Priced Right. Marketed Hard. Negotiated Well.
Overpricing a home is one of the most common — and most expensive — mistakes sellers make. I’ll give you a real market analysis, not a flattering number just to win your listing. Because a home that sits loses leverage.
When you list with me, you get Keller Williams’ full marketing platform, professional photography, targeted digital exposure, and a negotiator who knows what your home is actually worth — and fights for every dollar of it.
- Comprehensive comparative market analysis (CMA)
- Professional photography, staging consultation, and MLS syndication
- Targeted social media and digital ad campaigns
- Expert negotiation on price, terms, and contingencies
- Seller net sheet calculator — know your proceeds before you list
One Agent. One Lender.
No Gaps. No Guessing.
Most real estate transactions involve at least five professionals who have never met. I collapsed two of the most critical roles into one — your REALTOR® and your Mortgage Broker are the same person.
Faster Pre-Approval
Your loan and your home search start at the same time, with the same person. No waiting on a third-party lender to communicate with your agent.
Aligned Strategy
Your purchase price, down payment, and loan structure are designed together — not independently. The offer strategy fits the financing before you submit it.
One Point of Contact
Real estate questions, mortgage questions, closing questions — one phone call answers them all. Less confusion, less dropped balls, better outcomes.
Financing for Every Buyer — Even the Ones Other Lenders Turn Away
One of the most common myths in real estate: you have to have perfect credit and a W-2 job to buy a home. I’ve spent 24 years helping buyers who don’t fit that box — and I have the loan programs to back it up.
As a licensed Mortgage Broker through Jhenesis Mortgage, I have access to lenders that conventional banks don’t. That means more options for self-employed buyers, investors, international buyers, and ITIN holders.
Qualify on rental income
No SSN required
International buyers
Self-employed borrowers
Low down payment
For veterans & military
Fannie / Freddie programs
Down payment assistance
Mortgage services are provided by Stacy Ann Stephens, Mortgage Broker, NMLS #1933745 | Jhenesis Mortgage NMLS #2532705. Real estate services are provided under Keller Williams Realty Winter Park · 147 W Lyman Ave, Winter Park FL 32789. Loan products subject to qualification, underwriting approval, and applicable state and federal regulations. This is not a commitment to lend.
Frequently Asked Questions About
Stacy Ann Stephens’ Services
Can Stacy handle both my home search and my mortgage?
Yes — this is the core advantage. Stacy is a licensed REALTOR® with Keller Williams Winter Park and a licensed Mortgage Broker (NMLS #1933745). One advisor coordinates both sides of your transaction.
Do I need a Social Security number to buy a home with Stacy?
No. Through Jhenesis Mortgage, Stacy has access to ITIN loan programs and foreign national mortgages for buyers without a U.S. Social Security number. Many international buyers and immigrants have successfully purchased Florida homes this way.
What neighborhoods does Stacy serve in Central Florida?
Stacy serves Winter Park, Lake Nona, Orlando, Windermere, Baldwin Park, Maitland, Oviedo, College Park, Lake Mary, Celebration, St. Cloud, Minneola, Gotha, and Polk City — with detailed neighborhood guides for most areas.
Does Stacy work with real estate investors?
Absolutely. Stacy helps investors identify income-producing properties, analyze DSCR ratios, and access DSCR loan programs that qualify on rental income rather than personal tax returns. She works with both first-time investors and portfolio builders.
Does Stacy represent buyers of new construction homes?
Yes, and this is important: the builder’s on-site agent works for the builder, not for you. Stacy represents your interests during the selection, contract negotiation, and closing process at no additional cost to you.
What loan types does Stacy offer through Jhenesis Mortgage?
Conventional, FHA, VA, USDA, DSCR, Non-QM, bank statement, ITIN, and foreign national loans. Stacy can match your unique income and residency profile to the right program rather than forcing you into a conventional mold.
How do I find out what my home is worth?
Stacy offers a free home valuation with a real comparative market analysis — not just an algorithm estimate. Visit the Home Valuation page or call (407) 603-1664 to schedule a consultation.
How do I get started with Stacy Ann Stephens?
Call (407) 603-1664, email stacyann@realtorstephens.com, or use the contact form at realtorstephens.com/contact-us/. Stacy’s office is at Keller Williams Realty Winter Park, 147 W Lyman Ave, Winter Park, FL 32789.
Let’s Talk About What You Need
Whether you’re buying, selling, investing, or just starting to think about your options — the first conversation is always free, and always worth having.
Stacy Ann Stephens | REALTOR® | Keller Williams Realty Winter Park
147 W Lyman Ave, Winter Park FL 32789 · (407) 603-1664 · stacyann@realtorstephens.com