We work at a company that models our own business, with cutting-edge technology, tools, training and collaboration and we’re building our organization based on this platform.

We have nearly 900 agents from coast-to-coast in the USA, including Alaska, as well as Portugal and Greece.

If you’re not making the income you had hoped to earn

in Real Estate, you need to do what top agents do

and you’ll get the results!

We can show you the way, with our systems, procedures and mentoring.

We’re here to inspire you!

A few short years ago, it would have been impossible to imagine the world we live and work in today, and what you think you know about building a real estate business and developing a real estate team has changed.

With over 61 combined years of experience in our field, our team has expanded from Michigan to across the world. We are helping our agents each and every week. From our mentoring, to our weekly Team Connect & Master Mind with our entire group, to coaching our Growth Leaders in expanding their own teams,

our mission is to make our agents successful in every way.

Find out what your Broker may not be telling you.

Explore our site and see how the Ronayne Associates Organization can change the trajectory of your business.

At eXp, we’re just getting started.

Why Join Our Team?

We have private weekly meetings for our full organization and our growth leaders, complete with powerful guest speakers and dynamic training events designed to help you succeed.

As Tim Ferriss says in The 4-Hour Work Week,

“If someone isn’t making you stronger,

they’re making you weaker.”

We are very blessed with such a prosperous career in Real Estate and as shareholders in a company focused on global expansion.

With decades of experience in Real Estate, Lou has been involved with many housing development projects, and was the Michigan Realtor of the Year award in 2002, and also the first recipient of eXp Realty’s Ethics in Action Award in 2020.

Deb’s journey has continued building the business to 98% referral and past client, and she is a 5-time ICON Award recipient at eXp Realty, and an instructor for eXp University and also a Certified Mentor to new agents.

We have consistently ranked in the top income earning bracket for Realtors and our combined experience spans over 60 years!

Be strong and be successful. We’re here to inspire you!

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– KB, Canto

“Deb is incredibly knowledgeable of the market.”

“Deb is incredibly knowledgeable of the market. Her experience and organization put us at ease during the entire process. Her exceptional integrity and skill were on full display throughout the negotiation. I definitely appreciated the detailed verification and recommendation of all offers made. Her team is also a reflection of the high standards she sets for herself and others. I highly recommend her to anyone wishing to buy or sell, especially in this volatile market.”

– JB, South Lyon

“They are honest, hard working and their follow through is second-to-none.”


“We first used the Ronayne Team in 2005 and have used them for every real estate transaction since. Lou and Deb know the local real estate market well. They are honest, hard working and their follow through is second-to-none. Listing our home was like being on auto pilot. The Ronayne team knows exactly what to do and exactly when to do it. They remained in constant communication and made a complex process easy for us. Multiple offers “above listing price” after one weekend on the market was an added bonus, too! If you are looking to buy/sell a home, the Ronayne Team is a wise choice. I highly recommend them.”

– AP, Northville, MI

“They set realistic expectations and continue to exceed them time and time again”


“Deb is incredibly knowledgeable in all aspects of a real estate transaction and knows the value of her markets very well. She and the Ronayne Team are extremely responsive, reliable, honest, and trustworthy. They set realistic expectations and continue to exceed them time and time again. It has been a pleasure working with Deb on the buying and selling side of transactions and look forward to working with her for years to come. Highly recommend Deb and the Ronayne Team for any future real estate needs.”

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Our Blog

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Homeownership Could Be in Reach with Down Payment Assistance Programs

October 30, 20233 min read

A recent survey from Bankrate asks prospective buyers to identify the biggest obstacles in their homebuying journey. It found that 36% of those polled said saving for a down payment is one of their primary hurdles to buying a home.

If you feel the same way, the good news is there are many down payment assistance programs available that can help you achieve your homeownership goals. The key is understanding where to look and learning what options are available. Here’s some information that can help you.

You Can Qualify Even if You’ve Purchased a Home Before

There are several misconceptions about down payment assistance programs. For starters, many people believe there’s only assistance available for first-time homebuyers. While first-time buyers have many options to explore, repeat buyers have some, too. According to the latest Homeownership Program Index from downpaymentresource.com:

“It is a common misconception that homebuyer assistance is only available to first-time homebuyers, however, 38% of homebuyer assistance programs in Q1 2022 did not have a first-time homebuyer requirement.”

That means repeat buyers could qualify for over one-third of the assistance programs available. And if you’re a repeat buyer, you may still be able to take advantage of some first-time homebuyer programs, depending on your personal situation. That’s because downpaymentresource.com also notes many of the first-time homebuyer programs use the U.S. Department of Housing and Urban Development’s definition of a first-time homebuyer. Under their definition, you could qualify as a first-time buyer if you’re:

  • Someone who hasn’t owned a primary residence in 3 years.

  • A single parent who’s only ever owned a home with a former spouse.

That means no matter where you are in your homeownership journey, there could be an option available for you.

You May Be Eligible for Programs Based on Your Location or Profession

In addition to broader options available for repeat and first-time homebuyers, there are other types of down payment assistance programs that you could qualify for based on your location. According to the National Association of Realtors (NAR):

“Many local governments and non-profit organizations offer down-payment assistance grants and loans, targeted to area borrowers and often with specific borrower requirements.”

Plus, there are programs and special benefits for individuals working in certain professions or with unique statuses, including teachers, doctors and nurses, and veterans.

Ultimately, that means there are many federal, state, and local programs available for you to explore. The best way to do that is to connect with a local real estate professional and your lender to learn more about what’s available in your area.

Bottom Line

Down payment assistance programs have helped many homebuyers achieve their dreams, and if you qualify, they could help you too. Let’s connect today so you can begin exploring your options.

The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

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