My name is Toni and I’m pretty sure my mom wanted a boy, but instead she got three girls. I am the oldest of them, all born and raised in Plant City. I absolutely love this town. I moved away twice for short periods of time but had to come back home — there is no place like it.

That’s where I had a simple and rewarding childhood. I cherish the memories of summers with my “Granny,” picking fruit for jellies and pies, canning vegetables, cane-pole fishing and playing in old junk cars at her and Grandpa’s auto shop off of Hwy 574 just outside of town. She was my best friend from another generation and had a huge impact on my life.

I am happily married to my best friend from this generation, Roy Raulerson. He is a lineman for Tampa Electric and also a native of Florida. Together, we spend every spare moment in the outdoors, hunting for deer and turkey, fishing the flats or the lake, lobstering and watching baseball. In November 2012, we were blessed with our baby boy, Drake. He is by far my proudest accomplishment in life.

Before there were Roy and Drake, I was in real estate, starting with a large management company in Florida as the sales and marketing director of almost 2,000 units. After a short span of success, I was asked to help with a joint venture with one of the largest builders in the country, working for several years as a lead sales representative. I loved on-site sales, but with a downturn in the market causing many folks to question short-sale options, I decided to venture into general real estate in early 2006 to stay ahead of market trends. Short sales were exhausting but certainly rewarding for both buyer and seller.

Later, with the mortgage experience I was forced to learn during my real estate career, I decided to cross over to the lending side. Here’s where I determined to be the mortgage partner that I had always longed for as a real estate professional.

My love for the industry is apparent to all of my customers. With more than 15 years of combined real estate and mortgage experience, I understand the big picture. With my extensive customer base and strong realtor relationships, I go above and beyond the call of duty to satisfy everyone with whom I work.

Whether purchasing your first home, refinancing your existing home or investing in a second home, I will ensure you get the loan program and rates that fit your individual mortgage needs, all with service that is unsurpassed. If you want someone who understands a mortgage transaction from all perspectives, call or email me today. I would love the opportunity to earn your business.