27 years in Miami — in English, Hungarian, and Spanish, with nothing lost in translation.

I arrived in Miami in 1999. From the moment I earned my license I worked as a loan officer — broker-side, not tied to a single bank, so my clients always got the best deal across the market. In 2006 I started my own mortgage brokerage. In 2009 I added the Florida real estate broker license.

I've worked through every market cycle since: the 2008 collapse, the 2010s recovery, the 2020–22 price surge, the 2023 rate-shock. The Hungarian-speaking client work has been there from day one — that's when it became clear that cross-border buyers don't want two professionals (an agent and a mortgage broker who don't talk to each other) — they want one professional who sees the whole transaction.

My Hungarian-speaking clients come from three groups: investors based in Hungary diversifying into US real estate; the Hungarian diaspora across Europe and Latin America wanting a Florida foothold; and Hungarian-American second-generation families who like that they can discuss a mortgage with their parents in Hungarian.

All three have the same problem: the Hungarian bank doesn't understand the US mortgage system, the US lender doesn't understand a Hungarian tax return, and someone needs to sit between them — not translating, but actually understanding both sides. That's me.