ZeroPlus® Program by The Sold Sisters

A Smarter Way to Save on Your Home Loan

The Sold Sisters is proud to offer the exclusive ZeroPlus® Program, created to make owning a home more affordable from the start. With ZeroPlus®, you won’t pay the usual lender fees — no origination, processing, or underwriting costs. And if your loan is over $150,000, you’ll receive an extra $1,000 credit at closing.

It’s a simple way to save more and start strong on your homeownership journey.

Program Highlights

  • Zero Origination Fee

  • Zero Processing Fee

  • Zero Underwriting Fee

  • Low, Competitive Rates

  • $1,000 Closing Credit (on loans $150,000+)

Eligible Loan Types

We offer ZeroPlus® on:

  • Primary, vacation, and investment homes

  • Purchases and refinances

  • Conventional – Fannie Mae & Freddie Mac (as low as 3% down)

  • Jumbo – Up to $3 million (available for both conventional & jumbo)

  • FHA – Minimum 3.5% down

  • VA – $0 down

  • USDA – $0 down

  • Fixed-rate and ARM options available

Let’s Get You Started

Fill out the form below and one of our mortgage professionals will connect with you right away.

*** This is not a commitment to lend or extend credit. All loans are subject to credit approval and program guidelines. Borrower eligibility, rates, and terms may vary. $1,000 credit applies only to loans over $150,000. Savings shown are based on waived lender fees and may vary by transaction.

Why Homebuyers Choose The Sold Sisters Team

Trusted Advisors,

Real Savings

Work with a team that’s committed to your goals.

Personalized

Guidance

From pre-approval to closing, we simplify the process every step of the way.

Modern

Convenience

Apply, upload, and track your loan anytime through our secure online portal.

Meet Kimberly Mkhwane

Kimberly is a experienced REALTOR® with decades of experience, licensed since 2006, and the proud co-owner of Sell Citrus County, LLC, DBA The Sold Sisters. She played an instrumental role in launching Keller Williams Realty Elite Partners II and continues to be a driving force in its growth and culture.

In addition to her leadership in real estate, Kimberly is an active investor, having purchased, renovated, and sold more than 30 homes since 2020. She also owns multiple successful vacation rentals and is passionate about helping others create passive income through smart real estate decisions.

Guiding clients through life-changing moves is truly at the heart of her work. Kimberly is known for her attentiveness, compassion, and unwavering commitment to delivering a top-tier experience to every buyer, seller, and investor she serves.

When she’s not negotiating deals or building wealth for her clients, you’ll find her traveling the world and making memories with her husband and two daughters.

Colby developed a passion for real estate while studying at Utah State University. He graduated with a degree in accounting and immediately went to work in the real estate industry.

He spent a number of years in commercial real estate management where he oversaw the operations of over fifty commercial buildings. He also participated in numerous lease transactions and several building purchases.

Using his skills in real estate, Colby and his wife purchased, and hold, several residential investment properties of their own. Colby now serves as a steady guide for individuals who are looking to make what is likely the biggest financial decision of their life.

Meet Tomika Spires - Hanssen

Tomika is a proud Citrus County native and a licensed Realtor® since 2000. She is the co-owner of The Sold Sisters Real Estate Team and over the course of her distinguished career, she has personally closed more than 4,800 homes, representing over $350 million in real estate sales.

A highly respected leader in her field, Tomika has been recognized as Realtor of the Year, is a Multi-Year Co-Broker of the Year recipient, and a 25-time multi-million-dollar producer. She is committed to delivering a seamless, stress-free real estate experience, guiding clients through every phase of the process with expertise, professionalism, and genuine care. Her passion lies in helping families build generational wealth while earning the trust and respect of clients and colleagues alike.

Beyond her professional achievements, Tomika is deeply dedicated to community service. She volunteers extensively and serves on the boards of United Way and Women United, mentors high school students through the Women Building Women program, and serves as HOA President for her association. She has also contributed her leadership to numerous other boards and civic organizations throughout the region.

Colby developed a passion for real estate while studying at Utah State University. He graduated with a degree in accounting and immediately went to work in the real estate industry.

He spent a number of years in commercial real estate management where he oversaw the operations of over fifty commercial buildings. He also participated in numerous lease transactions and several building purchases.

Using his skills in real estate, Colby and his wife purchased, and hold, several residential investment properties of their own. Colby now serves as a steady guide for individuals who are looking to make what is likely the biggest financial decision of their life.

Tomika’s unwavering work ethic, community involvement, and commitment to excellence continue to set her apart as a trusted advocate, mentor, and real estate professional.

What others are saying

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