Matt Hullinger’s journey in the real estate industry began in 1994 when he took his first steps as a residential Loan Officer. This early experience allowed him to gain a deep understanding of the intricacies of residential financing, which would lay the foundation for his future endeavors. Working closely with clients to secure the best mortgage options taught Matt the value of communication, financial education, and strategic planning. These principles would become the cornerstone of his long-term career in real estate and financial services.

With a passion for real estate and a drive to expand his expertise, Matt transitioned into Commercial Financing, where he honed his skills in managing larger and more complex transactions. During this time, he built strong relationships with investors, developers, and business owners, offering financing solutions for everything from multifamily housing projects to commercial developments.

Recognizing a gap in the market and an opportunity to serve his clients more comprehensively, he founded and operated Summit City Mortgage, a firm dedicated to personalized lending services. Under Matt’s leadership, Summit City Mortgage grew into a trusted name in the industry, providing clients with tailored mortgage solutions that met their unique needs. His success in the mortgage business was driven by his commitment to integrity, customer service, and a keen understanding of market trends.

In 2014, Matt decided to diversify his professional portfolio by venturing into the insurance industry. He began offering Home, Auto, and Medical insurance coverage, helping clients protect their assets and manage risk more effectively. This expansion not only strengthened his professional offerings but also allowed him to build a more holistic understanding of how financial services intersect with homeownership and property management. Matt’s ability to bridge these industries made him a valuable resource to his clients and further established his reputation as a knowledgeable, trustworthy advisor.

Seven years ago, Matt made a significant life change by relocating to Florida, drawn by the region’s growth and real estate opportunities. There, he joined forces with his wife as a Realtor under KW Elite, blending their complementary skills and shared vision to provide exceptional service in the Southwest Florida market. Together, they built a strong foundation and quickly gained a reputation for going above and beyond for their clients.

Their success and entrepreneurial mindset eventually led to the creation of Sands Property Management, a company rooted in personalized service, transparency, and a hands-on approach to caring for clients’ homes and investments. As demand for their services grew, Matt and his wife made the decision to branch away from KW Elite and expand their offerings to include full real estate sales and acquisition services. This evolution marked the launch of Sands Real Estate and Property Management, a full-service firm where Matt now proudly serves as Broker/Owner, leading the company with vision and experience.

As Broker/Owner, Matt plays an active role in mentoring new agents, developing internal systems for growth, and ensuring the company delivers on its promise of excellence. He takes great pride in being a leader who is approachable, responsive, and invested in both his team and clients. His ability to stay ahead of market trends and adapt to the ever-changing real estate landscape has helped Sands Real Estate earn a reputation as a trusted and innovative firm in the region.

Today, Matt continues to guide Sands Real Estate as Broker/Owner, operating with the same principles that shaped his career from day one: honesty, reliability, and deep market knowledge. He remains actively involved in the Southwest Florida community and values building long-term relationships based on trust and performance. His career is a testament to adaptability, entrepreneurial spirit, and an unwavering commitment to meeting the evolving needs of his clients. With decades of experience across lending, insurance, real estate, and property management, Matt brings unmatched insight and value to every transaction, helping buyers, sellers, and property owners achieve their goals with confidence.