Frank $ Kolencik has 30 years’ experience in the mortgage services industry and is a Senior Mortgage Loan Officer for Fulton Mortgage Company, a division of Fulton Bank. He takes personal pride in helping his clients find the right mortgage solution regardless of whether they are First-Time Buyers, Construction, Physicians, or Investors. Frank will provide you with exceptional client service before, during, and even after settlement of your loan throughout Fulton's Mid-Atlantic footprint of Virginia, Maryland, Washington D.C., Delaware, Pennsylvania, and New Jersey.

Frank $ specializes in:

• Medical Professional JUMBO & Investor Home Mortgage Loans for Medical Doctors & Physicians, including DO, DDS, DMD, VMD, PHARMD, VETD, Fellows and Residents.

• Medical Professional LTV's:

• 100% owner occupied financing for up to $1.5 million, 95% financing for up to $2 million, 90% financing for up to $3 million 

• No PMI for Medical Professionals Program

• Construction Perm and Renovation Mortgage Loans

• First-Time Home Buyers - 0% down Community Program with no PMI

• Buying "Non-Contingent"

• 5% Down JUMBO

Education:

• St. Edward High School - Lakewood, OH

• University of Maryland, College Park- Bachelor of Science (BS) College of Education

Community Involvement:

• Fair & Responsible Banking Team Member

• MBAMW

• Knights of Columbus

• Chamber of Commerce

• American Diabetes Association, Walk to Stop Diabetes       

• High School and Youth Football Coach

CERTIFICATIONS/AWARDS:

• Happy Clients who are Raving Fans

• President's Award

• Unsung Hero and 4 year Football Letterman for Maryland Terrapins

• Qualified VHDA Trainer