Comprehensive Services
David Kowal offers three integrated services designed to streamline your real estate and financing needs. Whether you're buying, selling, or seeking financing, our dual-licensed expertise ensures seamless coordination and superior outcomes.
eXp Real Estate LLC Buyer's Agent
I guide buyers with clear strategy, sharp negotiation, and constant communication—so you win the right home without stress or surprises.
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Real-time Coordination
Agent and lender work together seamlessly
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Stronger Offers
Pre-approved financing builds seller confidence
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Seamless Closings
Coordinated timeline reduces delays
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Neighborhood Expertise
Deep knowledge of Seattle and Eastside
eXp Real Estate LLC Listing Agent
I position, market, and negotiate your home with precision and transparency—so you attract strong buyers, maximize value, and sell with confidence.
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Market Expertise
Strategic pricing and positioning
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Financing Insight
Understand buyer financing to strengthen offers
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Appraisal Strategy
Helps minimize appraisal gaps and conditions
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Integrated Closing
Coordinated process from offer to keys
Wholesale Mortgage Loan Officer
I access multiple lenders and loan programs tailored to your financial situation—so you get the best rates, terms, and financing options available.
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Multiple Lenders
Not restricted to a single lender
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Flexible Programs
Conventional, FHA, VA, USDA, Non-QM options
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Competitive Rates
Shop multiple lenders for best terms
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Expert Guidance
Personalized advice for your situation
Why Choose Integrated Services?
Unified Strategy
Instead of coordinating between separate professionals, you work with one expert who understands both real estate and financing. This eliminates communication gaps and ensures every decision supports your overall goal.
Faster Decisions
In competitive Seattle and Kirkland markets, speed matters. Real-time coordination between agent and lender means faster pre-approvals, quicker offer responses, and fewer delays at closing.
Stronger Offers
Sellers trust offers backed by proven financing coordination. Your offer stands out when the agent and lender are clearly aligned, reducing seller concerns about deal certainty.
Transparency & Compliance
Dual-licensed professionals operate under Washington State real estate law and federal mortgage regulations. You get clear disclosures, ethical role separation, and buyer-first guidance.
Dual Role Disclosure
THIS IS TO GIVE YOU NOTICE THAT I OR ONE OF MY ASSOCIATES HAVE/HAS ACTED AS A REAL ESTATE BROKER OR SALESPERSON REPRESENTING THE BUYER/SELLER IN THE SALE OF THIS PROPERTY TO YOU. I AM ALSO A LOAN ORIGINATOR, AND WOULD LIKE TO PROVIDE MORTGAGE SERVICES TO YOU IN CONNECTION WITH YOUR LOAN TO PURCHASE THE PROPERTY.
YOU ARE NOT REQUIRED TO USE ME AS A LOAN ORIGINATOR IN CONNECTION WITH THIS TRANSACTION. YOU ARE FREE TO COMPARISON SHOP WITH OTHER MORTGAGE BROKERS AND LENDERS, AND TO SELECT ANY MORTGAGE BROKER OR LENDER OF YOUR CHOOSING.
(RCW 19.146.0201(14)(b))