From Bankruptcy to Real Estate Maven and Wealth Advocate – Constance Carter is on a Mission to Coach Others to Power

In Honor of Women’s History Month, we wanted to highlight some of the amazing women we get the pleasure of working with, such as Constance Carter, owner of Catalyst Real Estate Professionals.

Constance is an International Best-Selling Author, Investor, Speaker, Musician and the CEO of the largest African American Residential Real Estate & Lending firm in Northern California, Catalyst Real Estate Professionals.

Her list of accolades is extensive and impressive, but her success did not come easy. Constance is a true entrepreneur that worked hard and persisted relentlessly to get where she is today. After being laid off of her corporate job, she used her severance package to finance a real estate license. She learned the ropes quickly and was soon making six figures. However, after years of success, her mismanagement of money and living beyond her means caught up with her. Her credit was destroyed, and she had to file for bankruptcy.

She had hit rock bottom, but in her true entrepreneurial spirit, Constance was more motivated than ever. She vowed to only make wise investment decisions and more importantly, to share her journey with others to help them avoid the pitfalls that she encountered.

When asked what makes Catalyst Real Estate Professionals different than other real estate companies, Constance replied:

“We are not just transactional, but a transformational agency. We understand the disparity and inequities that have caused the wealth gap to increase among the races. Our goal is to level the playing field and make homeownership a possibility to everyone from all walks of life. We show them what’s possible and give them the tools to make it happen. A lot of our buyers didn’t know that owning a home was an option, and it’s the best feeling in the world to be the catalyst to show them that they can.

Because we are a direct lender, and with my credit programs, we take people from lack to legacy. Showing them not only how to buy their first home, but how to set up their legacy plan through asset protection strategies. And more importantly, we teach them how to help their families do the same. It’s true wealth and legacy creation.”


Much like TMC’s belief that if you own a business, you should own the real estate, Constance believes if you have a job, then you can—and should—own a home. Catalyst Real Estate Professionals helps you work through the details and provide a step-by-step blueprint on how to become a homeowner.

TMC connected with Constance in 2019 to help her secure financing to purchase a 7,200 square foot building for her business. By utilizing the SBA 504 Program, Constance was able to purchase the Sacramento building with only 10% down and a 25-year below market interest rate.

Constance Carter is a true inspiration. She overcame bankruptcy, homelessness, a detrimental credit score and is now helping others who may feel undeserving or underqualified to overcome their obstacles and build wealth and fulfill their dreams.


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