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About Cindy Lemke

I often say I’m not in the business of real estate, but in the business of making dreams come true. That doesn’t mean finding houses for a buyer or getting the highest amount of money for the seller. Not exclusively, at least. It’s much more than that: it’s caring for their needs, understanding their anxieties, predicting potential pitfalls and basically looking for ways to make the uncertain process of buying or selling a house not only easier, but more enjoyable. In the end, my goal as a Real Estate Agent is to facilitate things for my clients turning a lengthy and complex transaction into a pleasing memory.

Sure, my marketing abilities come in handy – especially in this ever-changing world with new digital trends popping up daily – but my main strength is my credibility. I’ve been working hard on this asset ever since I got my license. I’m constantly studying the market because when my client asks me something I have to have the correct response at the tip of my tongue. I have not only a fiduciary responsibility to my client but also a moral one. So, transparency is really important in my book because, to me, Real Estate is not only about properties and money. It’s about people. I never take for granted the fact that people are trusting me not with their house or apartment; but their home. I take that responsibility seriously and put on a (fair) fight for them.

Over time I have earned the respect and recognition of this community that I love so much. Together with my family, that’s my most prized possession. A dream come true. Remember I said I was in the business of making dreams come true? Well, I don’t intend on waking up from this one. So you can count on me to make your dream come true because by doing so I'll be living a dream of my own. Let’s dream together!

Independence Real Estate Services

Cindy Lemke

Cindy Lemke


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14298 Spring Hill Dr , Spring Hill - FL 34609

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Office: 1-352-688-5500

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Real Estate Glossary Terms

  • Federal Housing Administration Insured Mortgage

    Under a FHA-insured mortgage, both the property and the borrower must meet certain minimum standards. The borrower is charged an insurance fee of one-half percent on the unpaid balance and can, under certain conditions, receive up to 97% financing on the appraised value of the property. Borrowers ar ...

  • Restraint On Alienation

    Restriction on conveying property that limits its transferability. The restrictions may be illegal. ...

  • Minimum Down Payment

    The minimum allowable ratio of down payment to sale price on any loan program. If the minimum is 10%, for example, it means that you must make a down payment of at least $10,000 on a $100,000 house or $20,000 on a $200,000 house. The minimum down payment ratio is equal to one minus the maximum ...

  • Deficit Reduction Contribution

    Contribution whose purpose is to increase funding of underfunded pension plans. It is part of the calculation that is made to arrive at the plan's minimum funding requirement. Usually a pension plan requires such a contribution when the assets of the plan become less than 80 to 90% of the current li ...

  • Real Estate Bubble

    What Is a Real Estate Bubble? One definition for a real estate bubble is the fast increase in prices, usually driven by investors and speculators in major urban areas. Properties are usually mispriced or overvalued over long periods, and as the prices cross the sustainability threshold, the bubble ...

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