Demetri Frangoulis
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Excel Realty & Mortgage is a large independent real estate and mortgage company that still feels like a boutique firm. We got started in 2005 and have been running strong ever since. We have funded and closed well over 5 billion in mortgage loans and real estate sales. Over 10,000 transactions! We are a mortgage bank and a mortgage broker, allowing our lending relationship to compete for you.

That way you win! We have over 220 experienced and knowledgeable real estate agents, loan officers, and staff who provide our clients with the highest level of personal service and expert advice. Whether you are getting a pre-approval for a mortgage loan, or ready to buy or sell property, we have the expertise and personal service to guide you along the way.

We make the buying, selling, and lending process as easy as possible. If you are looking to get approved for a mortgage loan you have found the right home! We have some of the best technology in the industry, but still explain the process in whatever way works best for you.
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Shawnacy Nauroth and John Robison were both hard working REALTORS and Loan Officers that were looking for a brokerage company that could meet all their needs.
The problem was, there wasn't a company out there that did.
They started Excel Realty & Mortgage in 2005.
By 2006, they refined their business plan and started hiring experienced agents that had the same vision.
Agents that are ethical, experienced, hardworking and always know that meeting their clients needs is the number one priority.
Since 2006 the company they started has become one of the fastest growing independently owned real estate and mortgage companies in Northern California.
Your need always comes first.
At Excel Realty, we provide the service we agree to, in the ways that work for you, whether once a week, once a day, by phone, email or text message.
That's how we'll do it.
You'll always be kept in the loop.
An experienced real estate agent with a strong and diverse knowledge of the selling process from listing to close.
Marketing savvy with access to industry proven tools to get your home top-tier exposure.
Mastery in listing, pricing, staging and selling your home to the right buyer quickly.
Our team of experts is ready to guide you through the home buying process.
We are committed to fast, professional and courteous service to help you understand and feel at ease throughout the home buying process.
Whether you've identified the perfect property or you're not really sure where to start, your first step is to contact us.
At Excel Realty, our strategy for helping home buyers is designed to cast a wide net to find you properties that meet both your immediate and long-term needs, whether on the market or not.
Unlike other mortgage companies out there, we are a mortgage bank and a broker.
This allows us to fund loans with our own money and broker loans to other banks.
As our client you have access to all of our funding capabilities and an additional 50+ banks competing for your business.
We have the best rates and the lowest fees on all traditional loans!
We offer hundreds of loan products to meet everyone's needs, whether unique or traditional.
This allows us to be the best lending option for everyone.
Pre-Qualification occurs before the loan process actually begins, and is usually the first step after initial contact is made.
Your Excel Loan Officer gathers information about the income and debts of the borrower and makes a financial determination about how much house the borrower may be able to afford.
Different loan programs may lead to different values, depending on whether you are qualified for them, so be sure to get a pre-qualification for each type of program you are suited for.
The application is actually the beginning of the loan process and usually occurs between days one and five of the loan.
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