Understanding Mortgage Rates in 2025
Learn how mortgage rates are determined and what you can do to secure the best rate for your home purchase.
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Whether you are looking for curated homes, waterfront estates, investment or international opportunities and financing across Central Florida and the Gulf Coast — you've come to the right place, guided by a REALTOR® who puts you first.
Proud Non Profit Member Of Our Hearts Their Homes
Contact Kernilia Rampersad today — she is here to help you every step of the way.
Explore an exclusive collection of premium properties across Florida's most sought-after communities. From waterfront estates to urban penthouses, find your perfect luxury home.
Learn More“Kernilia Rampersad was amazing to work with. She guided us and educated us through every step of the selling process and was always available to answer our questions. Her knowledge of the market and finding out the last purchase price of the property helped us buy our home quickly and at a great price with minimal closing costs due to her great negotiation skills getting us concessions and our BBC paid in full saving us thousands of dollars. Thank you again Kernilia, forever grateful.”
Luis and Elizabeth
“As first-time homebuyers, we were nervous about the process. Kernilia eased our minds by hosting a first time home buyer Seminar with my husband, myself and Deborah. After the Seminar I was very Knowledgeable and comfortable about the whole process. Deborah was able to get me a great interest rate even with DPA. She called me immediately to get my consent to lock in my interest rate at the right time because she gets news and updates daily from trades across the world that affects our interest rate. Kernilia made us feel comfortable from day one and taught us so much important details about each step. She patiently explained everything and helped us find the perfect home. We couldn't be happier with our experience and are very excited to start our family.”
Michael and Ria
“Kernilia is a true professional. Her attention to detail and commitment to her clients are unmatched. She went above and beyond to ensure that we found the right property and negotiated the best deal. Also helping us create a Trust and Property LLC so we can live life to the fullest and leave our wealth untouched while multiplying it for generations to come. She did all the heavy lifting for us going above and beyond. We highly recommend her to anyone looking to buy or sell a home especially investors whether you have cash or need a loan she will get you there!”
David and Lisa
“Working with Kernilia was a pleasure. Her knowledge in general, resources and dedication to her clients are exceptional. She guided me to get my taxes Amended. Also helped me repair credit in 2 months. Got me a Loan within my price range to afford my mortgage payments and debts. Helped me cleared 7 collections and a little over 100 conditions, also helped me get a Gift of equity, DPA, Concessions, BBC paid in full and she went completely out of her way to guide me on how to get back over $6,000.00 in tax returns and helped me get back over $2,000.00 at closing. She made the homebuying process smooth and stress-free even though my file was not the best. We are grateful for her dedication and expertise and highly recommend her, Deborah and Brian to anyone in need of a REALTOR, Mortgage Broker, or Tax professional. I am truly happy and grateful and thank you Kernilia for my sorrel plant and homebuyer gifts. #HAPPYHOMEBUYER #HAPPYHUSBANDANDWIFE #WEGOTMONEYBACK!!!!”
Mohammid and Somawattie
“Kernilia's expertise and industry connections made all the difference. She was knowledgeable, responsive, and strategic throughout the entire process. I highly recommend her to anyone looking for a REALTOR® who knows how to get results.”
Jasmine
“Kernilia made what could have been a stressful process feel easy. She genuinely cared about finding the right opportunity for me and was there every step of the way. I'm so grateful for her guidance and expertise. She brings together experience, knowledge, established connections, and exceptional service. Her professionalism and dedication set her apart. I would confidently recommend her to anyone navigating the real estate market.”
Patricia
“Working with Kernilia was an incredible experience. She understood exactly what I needed, guided me through every step, and worked diligently to achieve the best possible outcome. A true professional!”
Rakesh
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Price ReducedWhether you're searching for your dream home, looking to sell for top dollar, or exploring investment opportunities across Florida and Puerto Rico — Kernilia is here to guide you every step of the way.
Fill out the form and Kernilia will respond within 24 hours.
As a dedicated real estate professional, I am committed to delivering exceptional service, strategic guidance, and a seamless experience for buyers, sellers, investors, and business owners throughout every stage of their real estate journey. I understand that purchasing or selling real estate is one of the most significant financial decisions a person can make, and I take great pride in helping my clients navigate the process with confidence, clarity, and peace of mind.
Whether you are buying your first home, selling a property, acquiring investment real estate, seeking commercial opportunities, or purchasing land for future development, I provide personalized guidance tailored to your unique goals. My approach is founded on integrity, professionalism, strong communication, and an unwavering commitment to protecting and advancing my clients' best interests.
In addition to traditional residential transactions, I offer access to a broad range of opportunities, including commercial real estate, vacant land, off-market properties, and real estate auctions. These specialized avenues can provide buyers, investors, and developers with access to unique opportunities that may not be readily available through conventional channels.
A key advantage I bring to my clients is an extensive fully established network of industry professionals and strategic relationships. Through my established connections with distinguished lenders, credit repair advisors, title companies, contractors, inspectors, attorneys, investors, developers, and other real estate professionals, I am able to provide valuable resources and solutions designed to support my clients throughout the transaction process.
With a strong understanding of market trends, emerging growth corridors, development opportunities, and local communities, I strive to provide valuable insights that empower my clients to make informed and strategic decisions. Whether your objective is homeownership, portfolio expansion, commercial acquisition, land investment, or property disposition, I am dedicated to helping you achieve the best possible result.
My mission extends beyond simply facilitating transactions. I am committed to building lasting relationships founded on trust, transparency, professionalism, and results. By combining market knowledge, strong negotiation skills, exclusive opportunities, and an extensive professional network, I work diligently to ensure every transaction is handled with the highest level of care and attention.
Where success is built upon established relationships, exceptional expertise, and a proven record of excellence.
When you work with me you gain access and assistance from an extensive network of trusted professionals and industry-leading resources, including:
A truly exceptional real estate professional is distinguished by the strength of their connections, depth of experience, and comprehensive market knowledge — qualities that consistently lead to successful outcomes.
Whether you are purchasing your first home, expanding your investment portfolio, acquiring commercial real estate, or securing land opportunities, I leverage strategic partnerships and comprehensive resources to deliver a seamless, results-driven experience from consultation to closing.
From residential homes and commercial properties to land acquisitions, off-market opportunities, and auction properties, I look forward to helping you achieve your real estate goals and serving as your trusted Real Estate Professional for years to come. Schedule a call and let's connect to turn your Real Estate dreams into Reality. For faster service please call or text 407-865-0293.
Empowering satisfied clients with the knowledge, tools, trusted connections, and strategic guidance they need to make confident and informed Real Estate decisions.
My strong work ethic began at the age of 14 when I started working as a waitress while completing high school, graduating at just 16 years old. I then built a career in construction, gaining hands-on experience in drywall, sheetrock, molding, painting, masonry, and flooring, giving me valuable insight into the quality and craftsmanship of residential properties.
After working as a Tax Professional, I chose to dedicate my career exclusively to real estate. Today, I proudly serve as a full-time REALTOR®, combining my construction background with market expertise to help buyers, sellers, and investors make confident, informed decisions. My commitment to professionalism, integrity, and exceptional service allows me to guide clients through every step of their real estate journey with confidence and care.
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