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THIS WEBINAR IS DIFFERENT.
In 60 minutes, you’ll walk away with a clear, NJ-specific plan to:
1. Lower your monthly payment with Payment Engineering — strategic credits → buydowns, points vs. reserves, and NJ tax/insurance planning that prevents “payment shock.”
2. Write a stronger offer without overpaying — using our Offer Engineering framework so your offer feels clean, confident, and seller-safe.
3. Get to closing smoothly — with a simple NJ roadmap (attorney review timing, underwriting fast-track, and the common pitfalls we prevent).
4. Choose the right financing lane — including Non-QM options for self-employed/1099/complex income buyers (when appropriate).
Plus: a live Payment Lab where Carlos walks through real examples showing how the same home can have a very different monthly payment depending on how the deal is structured.
Optional next step: Book a Buyer Blueprint Consult with Michelle Sodeli & Carlos Wejebe to turn today’s strategy into your personalized Payment + Offer Plan, aligned with your goals and timeline.
This is a free, educational webinar. It does not replace financial, legal, or tax advice. Strategies vary based on your goals, numbers, and the property.

Michelle Sodeli is a NJ Real Estate Advisor known for helping buyers move from uncertainty to confident action — with a clear strategy from “thinking about it” to keys in hand.
Luxury-minded and deeply process-driven, Michelle guides clients beyond open houses and online listings, helping them understand value, timing, and offer structure in a competitive NJ market. Her signature approach blends data-backed pricing guidance with calm, decisive negotiation — so buyers can win the right home without overpaying or overcommitting.
Michelle is especially known for making the buying process feel organized and protected: setting expectations early, coordinating closely with lending, legal, and title partners, and keeping every milestone on track — from attorney review through closing. The result is a buyer experience that feels high-touch, seller-safe, and smooth.
Serving homebuyers across Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Union, and Warren, Michelle brings one consistent promise: clarity, leverage, and a plan you can trust.

Carlos Wejebe is a Mortgage Advisor at My City Lending known for helping buyers turn uncertainty into a clear, strategic plan — nationwide.
With a focus on smart deal structure, Carlos guides clients beyond basic pre-approvals, helping them understand how credits, rate buydowns, points, reserves, and financing options work together to shape their true monthly payment. His approach is simple: structure the loan to support your lifestyle, not strain it.
Carlos specializes in working with first-time buyers, self-employed and 1099 borrowers, and clients with complex income scenarios, offering both traditional and Non-QM solutions when appropriate. He’s known for asking the right questions, anticipating underwriting challenges before they happen, and helping buyers write offers that feel strong, clean, and seller-safe — without overpaying.
Fully bilingual in English and Spanish, Carlos serves clients across all 50 states, ensuring buyers feel confident and understood at every step of the process.
Through education-first conversations and clear execution, he helps buyers move from “Can I do this?” to “I have a plan.”