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Raleigh, Knightdale and Cary real estate listings, home buying, selling and homes for sale in North Carolina - NUMBER1EXPERT(tm)
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Tonya Debnam

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Want the most current listing information? Need local real estate advice? Call Tonya at 919-454-4511.
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About Tonya Debnam
Welcome > Agent Info > About Tonya Debnam ...

Meet Tonya Debnam 

A native of Raleigh, North Carolina and graduate of the University of North Carolina at Greensboro (UNCG), Tonya Debnam is as comfortable in her community as she is knowledgeable in her business. Tonya’s first hand knowledge of Triangle growth; varied civic involvement and keen interest in the economic development of her home town, inspires and motivates her to assist others in the pursuit of their dreams in the Triangle Region. 

More than just a well rounded banker, Tonya’s talents in the financial industry include the innate ability to educate, train, and nurture development in others. Her wealth of financial experience gained during the last almost two decades has included Commercial, Mortgage, and Consumer Banking. Her passion for knowledge and continuing education is not only imparted to her clients, but is also exhibited by Tonya having acquired her Series 6 & 63 Investment, Insurance, NC Real Estate, NC Real Estate Broker, and NC Mortgage Loan Officer Licenses. Her immeasurable experience in various aspects of banking has equipped Tonya to be one of the most sought after financial professionals in the Triangle and the State.  

Tonya currently employs her skills managing Focus Realty Advisors. FRA is a full service, real estate company which has earned the reputation of providing a personal touch in an otherwise impersonal business world. Tonya's expertise aids clients in achieving their goals at the level by satisfying commercial, residential, and church lending needs. 

While sustaining corporate success, Tonya nurtures her personal development by devoting time to organizations in the community. She serves with the Triangle Chapter of Urban Financial Services Coalitions, Wake County Commission for Women, National Association of Female Executives, NC Association of Realtors, Commercial Real Estate Women, Founder of DOW (Young Adult Investment Club) and quite a few others.  

Tonya has received numerous awards including the Triangle Chapter of the North Carolina Urban Bankers Outstanding President Award and First Citizens Bank Community Leadership Award. 

In what little free time she has, she enjoys spending time with her daughter Taylor, family members, cooking, reading, relaxing and a spa treatment every now and then. 

Civic and professional organizations in which Tonya is an active memeber include: 

Leadership Cary
NC Association of Realtors
Wake County Commission for Women
National Association of Female Executives
Commercial Real Estate Women Executives
Founder of DOW (Young Adults investment club)
Triangle North Carolina Association of Urban Bankers  


"We focus on your vision of locating a property, financing it and ultimately owning it. Your vision of home ownership and property investment is our Focus." - Tonya Debnam 

Focus Realty, LLC, owned by Tonya Debnam, is a professional, full service, real estate company that adds a personal touch to customize all transactions.
 


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Real Estate Tips
Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Real Estate Trivia
Q 
What is the largest home in Hollywood?

A 
The largest home in Hollywood is currently "The Manor" at 36,500 square feet, built by T.V. producer Aaron Spelling for $37 million.
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Tonya Debnam, REALTOR®, real estate agent and broker for Raleigh, Knightdale and Cary, North Carolina home listings, property and land for sale

Tonya Debnam
Focus Realty Advisors

Raleigh, NC
919--454-4511
Fax: 919-741-5483
tonyadebnam@BestImageAgent.com

Never Ordinary, Always Extraordinary

REALTOR Equal Housing MLS


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