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Frank Kalman ~
Frank began receiving awards as a top producing agent in his first year in the business. Back then, the early 90’s looked very similar to today’s real estate market. His success then and now is simple: diligence, follow up, follow through and a commitment to the golden rule: always treat clients the way he would want to be treated.
Frank’s experience with all aspects of real estate allows him to truly understand his client’s point of view. As a business major at Cal Poly he rented and owned property in San Luis Obispo. As a real estate investor, he has lived both sides of the transaction. As a mortgage banker for several years in the 1990s, he understands how credit works best for his clients. And as a real estate analyst for American Honda Motor Corporation analyzing dealer markets and recommending real estate acquisitions for new dealership locations, he understands markets and how to apply economics.
Frank’s mortgage banking expertise is pivotal in bringing many real estate transactions to fruition. Because 80% of real estate transactions don’t close escrow due to problems with financing, Frank’s experience allows him to anticipate those problems. The result: more successful, less stressful escrow closings.
Because Frank is not affiliated with any financial institution, he provides his “buying clients” with tactics for smart loan shopping. His “insider view” helps clients compare loan options including Internet loans versus local financing. He helps identify the best price and type of loan to meet individual client needs.
For his “selling clients”, he installs safeguards in the real estate contract, and keeps a close eye on the typical financing “booby traps” encountered in the selling process. He works with the top lending institutions to generate attractive and solid financing options for prospective buyers. This approach broadens the market for his client’s home, increases its market value and shortens the time to a successful sale.
To find out how Frank can help you with all your real estate goals, give him a call at 805.550.7682, or email him at fkalman@charter.net
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