EXHIBIT 10.84

                              REAL ESTATE MORTGAGE

     This  mortgage made this 17th day of June A.D.  1997,  between FIRST CHOICE
AUTO  FINANCE,  INC.,  a  corporation  existing  under  the laws of the state of
FLORIDA  herein  called  Mortgagor,  in  consideration  of the sum  named in the
promissory note herein described received from CARL SCHMIDT ENTERPRISES, INC., a
Florida corporation,  formerly known as SCHMIDT ENTERPRISES, INC., a corporation
existing  under the laws of the state of Florida herein called  Mortgagor,  (the
terms  "Mortgagor"  and Mortgagee"  include all parties in each capacity to this
instrument and their respective heirs, personal representatives,  successors and
assigns;  the term  "note"  includes  all  promissory  notes  described  herein)
Mortgagor  hereby  mortgages to Mortgagee the real  property in BREVARD  County,
Florida, described as:

     Lots 11 through 22, inclusive, Block B, Morningside Addition to the City of
     Melbourne,  according  to the plat thereof as recorded in Plat Book 7, Page
     1, of the Public Records of Brevard County, Florida.

     SO LONG AS THE  MORTGAGE IS NOT IN DEFAULT AND THE  PREMISES ARE BEING KEPT
     IN GOOD  REPAIR,  BUYER  MAY  OBTAIN  SECONDARY  FINANCING  AS IT MAY  DEEM
     NECESSARY, PROVIDED MORTGAGEE IS NOTIFIED.

     THIS MORTGAGE IS NOT ASSUMABLE WITHOUT THE CONSENT OF THE MORTGAGEE,  WHICH
     CONSENT SHALL NOT BE UNREASONABLY WITHHELD.

     MORTGAGOR AGREES THAT IT WILL NOT ALTER THE PREMISES IN ANY WAY WHICH WOULD
     IMPAIR THE SECURITY OF THE MORTGAGEE.

     THIS IS A PURCHASE MONEY FIRST MORTGAGE.

     Mortgagor will maintain insurance coverage  reflecting  Mortgagee as a loss
     payee in an amount equal to the outstanding  principal  balance,  and shall
     provide  evidence of renewal  annually.  Failure to maintain  said coverage
     shall constitute a default hereunder.

     Mortgagor shall provide proof of payment of ad valorem taxes annually prior
     to April 1st of the year in which they would become delinquent.  Failure to
     pay the taxes or  provide  proof of  payment  shall  constitute  a default
     hereunder.

     TOGETHER  with  all  easements  connected  therewith,  improvements  now or
hereafter made thereon,  fixtures attached thereto,  any furniture or furnishing
located  thereon or therein and any  revisions,  remainders,  rents,  issues and
profits  thereof as security and for the payment of the promissory  note, a copy
of which is attached.

     AND Mortgagor hereby covenants:

     1. That Mortgagor is in actual  possession and seized of said real property
in fee simple with full power and lawful right to mortgage  the same;  that said
property  is free from all liens and  encumbrances  except as set forth  herein;
that  Mortgagor  fully  warrants the title to said real property and will defend
the same against lawful claims of all persons whomsoever.

     2. To pay all money  required  by said note and this  mortgage,  or either,
promptly when due.

     3. To pay all taxes,  assessments,  levies,  liabilities,  obligations  and
encumbrances of every  description now on or which may hereafter  accrue on said
property,  the mortgage and the debt secured hereby,  or any of these, when due.
If any part thereof is not paid when due,  Mortgagee may pay it without  waiving
the option to foreclose this mortgage or any other right hereunder.

     4. To pay all costs and expenses  together with reasonable  attorney's fees
(including appellate  proceedings)  incurred by Mortgagee because of any default
by Mortgagor under this mortgage and said note, or either.

     5. To keep the  improvements  now or  hereafter  on said  property  insured
against loss by fire or other hazards included in the terms "extended  coverage"
and "other perils" in the amount secured by this mortgage by an insurer approved
by  Mortgagee.  The policy  shall be held by and made  payable to  Mortgagee  by
standard New York mortgagee clause without  contribution an Mortgagee's interest
may appear. If any money becomes payable under such policy,  then all checks for
said money will be made  payable to  Mortgagor  and  Mortgagee  and the proceeds
shall be first applied to restore the mortgaged property to the condition it was
immediately  before  the loss  occurred  and if there  be any  excess  or if the
property not so restored then  Mortgagee may apply the same to the payments last
due on the debt  secured  hereby or may permit  Mortgagor to use it, or any part
thereof, for other  purposes  without  waiving or  impairing  any lien or right
hereunder.  If Mortgagor  fails to obtain such policy,  Mortgagee may procure it
and pay therefor  without  waiving the option to foreclose  this mortgage or any
other right hereunder.

     6. To permit,  commit or suffer no waste,  impairment or  deterioration  of
said property or any part thereof.

     7. That if said property,  or any part thereof, is taken by eminent domain,
Mortgagee  shall  have the right to  receive  and apply all money  paid for such
taking  to the  payments  last  due on the debt  secured  hereby  or may  permit
Mortgagor to use it, or any part thereof,  for other purposes without waiving or
impairing any lien or right under this  mortgage.  If the remaining part of said
property is inadequate  security for the unpaid balance of said debt,  Mortgagee
may accelerate payment thereof immediately.

     8. That if Mortgagee shall hold another  mortgage or lien on said property,
a default  under such other  mortgage or lien shall  constitute a default  under
this mortgage also. Any default under this mortgage shall likewise  constitute a
default under such other mortgage or lien. If foreclosure  proceedings under any
mortgage or lien (whether held by Mortgagee or another)  affecting said property
are instituted, this shall constitute a default under this mortgage.

     9. That  Mortgagee may forbear to enforce  defaults under this mortgage and
said note,  or either,  or may extend the time for payment of any money  secured
hereby or may take other or additional security and may deal directly with any
owner of said  property in all  respects  pertaining  to this  mortgage and said
note,  or either,  without  notice to or the consent of any person  liable under
this mortgage and said note, or either, and without discharging or affecting the
liability of any person liable under this mortgage and said note, or either.

     10. That the rents,  profits,  income, issues and revenues of said property
(including any personal  property  located  thereon or therein) are assigned and
pledged as further  security for the payment of the debt secured hereby with the
right (but no duty) on the part of  Mortgagee  to demand and  receive  and apply
them on said debt at any time after a default  hereunder.  If suit is instituted
to  foreclose or reform this  mortgage or to determine  the validity or priority
thereof,  Mortgagee shall be entitled to appointment of a receiver pendente lite
without  notice for said  property  of all rents,  income,  profits,  issues and
revenue  thereof.  It is  covenanted  and agreed that the court shall  forthwith
appoint a receiver of said property and of such rents, income,  profits,  issues
and  revenues.  Such  appointment  shall be made as a matter of strict  right to
Mortgagee  without  reference to the adequacy of  inadequacy of the value of the
property hereby mortgaged or to the solvency or insolvency of Mortgagor.

     11. That if any dispute arises  involving  said note and this mortgage,  or
either,  wherein  Mortgagee incurs any costs (regardless of whether or not legal
proceedings are instituted) or if any action or proceeding  (including appellate
proceedings)  shall be  maintained  by any person other than  Mortgagee  wherein
Mortgagee is made a party,  all  expenses  incurred by Mortgagee to prosecute or
defend the rights  created by this mortgage and said note,  or either,  together
with  reasonable  attorney's  fees  and  costs,  whether  same be  rendered  for
negotiation, trial or appellate work, shall be paid by Mortgagor.

     12. That if any money  secured  hereby is not fully paid within thirty (30)
days after it becomes due, or if any covenant or agreement of said note and this
mortgage, or either, is breached,  Mortgagee shall have the option to accelerate
payment  of  the  entire  principal  and  any  other  money  secured  hereby  as
immediately  due and  payable  without  notice.  Time is of the  essence of this
mortgage. Any payment made by Mortgagee under paragraphs 3, 4,5 or 11 shall bear
interest at the maximum  legal rate from date of payment and shall be secured by
this  mortgage.  No waiver of or failure to enforce  any  default or  obligation
under this mortgage and said note, or either,  shall  constitute a waiver of any
subsequent  default  or of the  terms  of  either  instrument.  If  there is any
conflict  between the terms of this  mortgage  and said note,  the terms of this
mortgage shall prevail.

In Witness Whereof, the mortgagor has hereunto set his hand and seal the day and
year first above written  Signed,  sealed and  delivered in our presence:  

                                   FIRST CHOICE AUTO FINANCE, INC.

/s/ Larry G. Rightmyer             By:  /s/ James Neal Hutchinson, Jr.
Printed Name: Larry G. Rightmyer        James Neal Hutchinson, Jr.
Witness                                 Vice President

/s/ Jennifer L. LeBlanc                 P.O. Address 5200 S. Washington Ave.
Printed Name: Jennifer L. LeBlanc       Titusville, FL 32780
Witness