About me

Realtor Rajan

Luxury Real Estate Agent/ Loan Officer

Are you in search of a knowledgeable and experienced realtor in the San Francisco Bay Area? Look no further than Realtor Rajan Kandel, an MBA graduate and long-time resident with extensive local expertise. Whether you’re a first-time home buyer, a seasoned investor, or looking to sell your property, Rajan Kandel is here to guide you through every step of the real estate process.

With a background in both real estate and finance, Rajan Kandel brings a unique perspective to the table. As a licensed realtor and loan officer, he can offer valuable insights into mortgage options, including first-time home buyer programs and grants. Understanding the complexities of the housing market can be daunting, but Rajan Kandel is dedicated to helping his clients navigate through it with ease.

As a creative real estate investor himself, Rajan Kandel has a keen eye for opportunities in the market. Whether you’re looking for your dream home, an investment property, or a fixer-upper, he can help you find the perfect match. With access to a wide range of listings, including homes for sale, foreclosed properties, and new home listings, Rajan Kandel will work tirelessly to find the right property for you.

In addition to his expertise in residential real estate, Rajan Kandel is also a Probate Trust Specialist. If you’re dealing with the complexities of probate or trust sales, you can trust Rajan Kandel to provide expert guidance and support throughout the process.

From open houses to negotiating offers, Rajan Kandel is committed to providing personalized service and achieving the best possible outcome for his clients. With his knowledge, experience, and dedication, you can feel confident entrusting your real estate needs to Rajan Kandel.

Whether you’re buying, selling, or investing in real estate, Rajan Kandel is the realtor you can trust. Contact him today to get started on your real estate journey!

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realtor rajan kandel

—- The Best Luxury Real Estate Agent in Northern California

Hi, it’s me Rajan Kandel. One of the best real estate agents in san francisco. I am MBA graduate and currently pursing Doctorate of Business. I have been living in California for more than 7 years. My core area of service is San Francisco/Bay Area, San Francisco county, Alameda county, Santa Clara county, Sonoma county and so on. Being a San Francisco real estate agent, my aim is to deliver you the home of your choice.

I am passionate about helping & serving my community people. Real estate provides me the platform where I can serve my local community people. I am not just like traditional realtor, who just focus on commission, sales & business, but a realtor in san francisco who understands your requirements and guide you throughout.

I wanted to build a life long relation through real estate. Additionally, I wanted to educate my buyer &seller about real estate information so that they can used informed decisions while doing real estate transaction. My value propositions towards my client is my fiduciary duty along with exceptional service. I am always excited to work with my buyer & seller with good care, respect and professional service. Contact me for guidence of one of the best realtor in San Francisco with ease.


To empower individuals and families to achieve their real estate dreams through exceptional service, expertise, and unwavering dedication.

  • Client-centric: The focus is on empowering individuals and families, putting their needs and goals at the forefront.
  • Exceptional service: This emphasizes providing professional, responsive, and personalized assistance throughout the entire process.
  • Expertise: Highlighting knowledge of the market, negotiation skills, and industry insights fosters trust and confidence.
  • Dedication: It conveys a commitment to going the extra mile to ensure a successful outcome for each client.

Investment Planning

Traditional Mortgages: Require good credit, steady income, and a down payment (typically 20%). Suitable for stable properties with long-term holds.

Government Loans (FHA, VA): Offer lower down payments and easier qualifications for specific buyers.

Creative Financing:

Seller Financing: Negotiate directly with the seller for owner-financed purchase, often with flexible terms.

Home Equity Loan/Line of Credit: Leverage existing property equity for down payments or renovations on new investments.

Hard Money Loans: Private lenders offer fast funding but at higher interest rates, ideal for quick fixes or flips.

Real Estate Guidance For First Time Home Buyer

Buying your first home? Here’s a quick guide:
1. Get Pre-Approved: Know your budget by getting pre-approved for a mortgage.

2. Save for Down Payment: Aim for at least 3.5% (FHA loan) or 20% (conventional) to avoid PMI.

3. Find a Real Estate Agent: They’ll guide you through the search and offer process.

4. Consider All Costs: Factor in closing costs, moving expenses, and potential repairs.

5. Get a Home Inspection: Uncover any hidden issues before you buy.

6. Negotiate: Don’t be afraid to make an offer and negotiate for a better price.

7. Close the Deal: Understand the closing documents and ask questions if needed.
Remember, research and ask for help! This is a big decision, so take your time and be informed.

Looking For Loan Options

The best financing for buying a home depends on your individual circumstances. Here’s a quick overview:

Good credit & sizable down payment :

Conventional loan: Often lower interest rates and no mortgage insurance (if down payment is at least 20%)

Lower credit or smaller down payment:

Government-backed loans:

  • FHA loan: Easier to qualify for with lower down payment (3.5% minimum), but requires mortgage insurance.
  • USDA loan: For rural properties, requires no down payment but has income limits.


Years of RE Experience


Recent Sales Volume


Homes Sold

The Best Luxury Real Estate

Work With Me

  • One-stop shop for homebuying
  • Expertise in real estate and finance
  • Seamless communication and coordination
  • Potential cost savings
  • Convenience and efficiency

We can help you find

First-class Professionals

Services offered

Real Estate Guidance !!

As your one-stop real estate professional, I can guide you through buying, selling, or financing any property type.

Whether you’re searching for your dream home, maximizing your investment, or seeking the right loan option, I’ll leverage my expertise to navigate the market and ensure a smooth transaction. Let’s discuss your goals and find the perfect fit!

1. Understand their goals: Ask about their desired home, budget, and timeline.
2. Review their finances: Discuss credit score, income, and debt-to-income ratio (DTI).
3. Explore options: Explain various loan types (fixed vs. adjustable) and rates based on their profile.
4. Prepare documents: Assist in gathering paperwork for pre-approval and application.
5. Navigate the process: Guide them through each step, answering questions and addressing concerns.
6. Prioritize clear communication: Keep them informed throughout the process and ensure understanding.

Before you search for ‘ best real estate agent near me ‘ , ‘ top rated real estate agents near me ‘ , ‘ top real estate agents ‘ , ‘ find a realtor near me ‘ , ‘ best real estate agent ‘ or ‘ find a realtor ‘ , ‘ best real estate agent ‘ , give us a try.

As your loan officer, I’m happy to guide you through all your financing needs, from residential and commercial properties to investment opportunities.
For residential purchases: We can explore options for first-time homebuyers, veterans, or those seeking to upgrade. We’ll discuss government-backed loans (FHA, VA) and conventional options, ensuring you understand the terms and choose the best fit.

Thinking commercial? We offer financing for offices, retail spaces, and industrial properties, catering to your specific needs and budget. Let’s discuss property types, loan structures, and potential down payment requirements.
Investment on your mind? We understand the diverse needs of investors and can recommend financing options for rental properties, fix-and-flips, or even new construction projects.
Remember, a strong financial foundation is crucial. I’ll help analyze your financial situation and guide you towards a manageable loan structure.
Let’s schedule a meeting to discuss your specific goals and explore the best mortgage options for you!

  1. Financial Checkup: Assess your credit score and debt-to-income ratio. Aim for a good credit score (generally above 670) and keep your DTI below 43%.
  2. Get Pre-approved: Talk to lenders and get pre-approved for a mortgage. This informs you of your borrowing power and strengthens potential offers.
  1. Find Your Team: Partner with a real estate agent and consider a home inspector for professional guidance.
  2. House Hunting: Create a wish list and explore listings with your agent. Be realistic about your budget and location needs.
  3. Make an Offer: Submit a formal offer for your chosen property, potentially with negotiation involved.
  4. Finalize Loan & Inspections: Secure the final mortgage approval and schedule a home inspection to identify any potential issues.
  5. Closing: Finalize paperwork, pay closing costs, and officially become a homeowner!