Weichert, Realtors® - Hallmark Properties - Palm Coast Lenders

Town & Country Mortgage Inc

  • NameTim Pacholek
  • LicenseNMLS 1596182
  • Phone561-275-9293
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Tim Pacholek 

Vice President / Mortgage Loan Originator | 

N Orlando, FL937 N Magnolia Ave, 231891 32803

www.tcmflorida.com | NMLS:MLS: 1596182  

Phone: 561-275-9293


About Raymond Czarnecki

✨ Personable ✨ Patient ✨ Professional ✨

Raymond Czarnecki is a dedicated Florida Realtor known for his approachable nature, keen attention to detail, and unwavering commitment to clients. Specializing in Flagler County, Raymond combines his deep knowledge of the local market with a passion for helping people turn real estate dreams into reality. Whether working with first-time buyers or seasoned sellers, his calm presence and professional approach ensure every transaction is smooth and successful.

Before entering real estate, Raymond built a career in logistics—sharpening skills in communication, organization, and problem-solving that now serve his clients exceptionally well. His background enables him to anticipate challenges and streamline the process, always with the client’s best interests at heart. His customer-first mindset and tech-savvy approach allow him to stay ahead of property trends, pricing shifts, and innovative marketing strategies.

Raymond brings a full-service experience to every buyer and seller, offering not just market expertise but patience, listening, and personalized guidance. His clients benefit from his hands-on support—from listing to closing—ensuring no question goes unanswered and no detail overlooked. He’s passionate about staying informed on local property values, community developments, and emerging technologies to deliver real results.

Beyond real estate, Raymond is a car enthusiast, stock and crypto watcher, and home chef who enjoys attending local festivals, church, and community meetings. His welcoming smile and personable style make him easy to talk to, while his dedication to each client’s success makes him someone people trust for the long haul. Whether you're looking for your first home or preparing to sell, Raymond is committed to making the process seamless, transparent, and rewarding.


Working with Weichert, Realtors – Hallmark Properties means being part of a team that truly cares—about customers, community, and each other. It’s more than a job; it’s a professional home where success is shared. 🏡 If you’re ready to take the next step, contact Raymond Czarnecki today at 386-530-3939, by email at Dreamhomeswithray@gmail.com, or visit his site at Dream Homes With Ray. Let’s make your real estate goals a reality