Practical
Financial Coaching to Secure Your Home and Future
With Expert Financial Coaching and Real Estate Guidance, I Help You Create a Plan to Secure the Right Home for Your Life, Goals, and Community.
TAKE CONTROL OF YOUR FINANCES—
START YOUR PATH TO HOMEOWNERSHIP NOW!
By seamlessly blending financial expertise with real estate guidance, I help you secure the right financing and find a home in Jerusalem that aligns with your goals—all with clarity and confidence.
How I Can Help You
Buying a home or upgrading your space is a major financial step, and it’s important to approach it with clarity and confidence. As a Certified Finance Coach, I help you:
Understand your current financial situation and identify the best path forward.
Create a realistic budget that aligns with your needs and priorities.
Explore financing options and understand mortgage solutions.
Navigate challenges with grounded, practical strategies.
Smart Financial Strategies for Confident Buying
Helping You Make Informed Financial Decisions That Support Your Goals—Not Just for a House, but for a Home and a Life You Value.
Frequently Asked Questions
Do you only work with first-time homebuyers?
No, I work with a wide range of clients, including first-time homebuyers, investors, and families looking to upgrade or relocate. Regardless of your goals, we'll clarify your needs and financial situation to find the best solutions.
How do your financial coaching and real estate services work together?
As your finance coach and real estate agent, I consider both your immediate and future financial goals to find a property that meets your current and evolving needs.
Do I need financial coaching if I’m already pre-approved for a mortgage?
Yes, reviewing your overall finances before committing to a mortgage is beneficial. You may qualify for better terms or discover new opportunities.
What areas in Jerusalem do you specialize in?
I specialize in French Hill, where I live and work. My local expertise provides clients with valuable insights. Additionally, I have a network of trusted agents across Jerusalem to help you find the perfect home throughout the city.
Testimonials
Real Stories. Real Results
"I would love to be a reference for Pnina Merzel..."
"I would love to be a reference for Pnina Merzel, who is an outstanding real estate agent. Pnina brings so much to the table!She has accumulated a real understanding of the ins and outs of the neighborhood, she approaches things with honesty and integrity, and has an unusual ability to understand the specific needs of her clients"
- Danielle S.
"Penina Merzel went above and beyond..."
"Penina Merzel went above and beyond, providing unwavering support, guidance, and encouragement throughout my journey to sell and buy, making a daunting process manageable and empowering"
- Ariella G.
"I worked with Penina to buy our home..."
“I worked with Penina to buy our home, and I’ve never experienced an agent like her! Penina wasn’t just focused on securing the best deal—she supported me emotionally, helping me weigh pros and cons, clarify my needs, and navigate every bump along the way. She felt more like a friend and coach than an agent, always prioritizing my best interests.
For anyone, especially Americans navigating the Israeli market, I can’t recommend Penina enough—she’s truly one of a kind!”
- Esther D.
"Aliyah was always a dream for me..."
“Aliyah was always my dream, but I struggled to make it work. Other agents would ask about my budget, but I had no idea what I could afford or how to navigate mortgages in Israel. Every conversation left me discouraged, until I met Pnina.
Pnina took a completely different approach. She listened to my goals, understood my broader financial picture, and helped me create a realistic budget. From there, the search began. She was persistent, creative, and found solutions for every challenge, even when financing posed issues.
Pnina truly cared about me, and thanks to her unique guidance, my once-unrealistic dream became a reality.”
- Simcha S.
"Pnina! Thank you..."
"Pnina! Thank you for helping us so much along our process. We would highly recommend to all of our friends!!"
- Shayna U.
“I can’t recommend Pnina enough..."
“I can’t recommend Pnina enough as a real estate agent. Her deep knowledge of the rental market and attention to detail made our apartment search smooth and successful.
Pnina took the time to understand exactly what we needed and kept us ahead of the game, sending listings that matched our criteria before they hit the market. Her negotiation skills helped us secure favorable lease terms, and her organization and communication made the entire process stress-free.
What truly sets her apart is her genuine care—she provided honest feedback, insights on neighborhoods, and even followed up after we moved in to ensure everything was perfect. If you’re looking for expertise and exceptional service, Pnina is the one to call.”
- Itai
Ready To Start Your Own
Success Story?
Let’s Take the Next Step Together
Whether you’re securing the right financing or searching for a home, I combine financial expertise and real estate guidance to support you every step of the way. Together, we’ll build a solid foundation for your future in a home and community that align with your values and goals.
