6am to 10pm


4682 Chabot Dr. #10393

Pleasanton, CA 94588



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Meet “K”

Kimani Lovan
REALTOR® – CAL DRE# 02059195

Educating people on how to achieve financial security through Real Estate.

I was born and raised in the San Francisco Bay Area and have studied this real estate market for well over a decade. I have privately made a number of investments throughout the bay area and have now joined the Big Block Realty team to further my expertise in the field. With over 15 years of customer service experience, I’ve been regarded for my hands-on approach with customers along with presenting creative, problem-solving solutions.

In addition to having a passion for customer service and Real Estate, I also have a background as a student-athlete at Cal Poly-SLO where I earned a degree while competing as a Division I Track and Field Athlete.  I continue to approach Real Estate with the same intensity and daily practice as an athlete and have taken a similar approach to meeting my clients needs.

PHONE: (408)800-5569
EMAIL: K@BayAgentK.com


1 – Loan Pre-Approval: Getting pre-approved by a lender will give you the maximum purchase price for your home search.  It will also legitimize any offer that you present to a seller.

2 – Contact Kimani to Search: Explaining your needs and wants to your agent will enable them to be efficient.  The more information the better.  Also, being realistic is key to your agent finding you a home.

3 – Offer: Your agents job is to keep you well informed about the market in the area of your desired home.  Making the correct offer will be the difference in whether or not you get the home.  It can be tricky in today’s climate where homes usually go for more than the list price.  Lean on your agent to put you in a position to get the home that you want.

4 – Escrow:  Once your offer is accepted, the escrow period begins.  This can range anywhere from a few days to a month depending on several factors.  You and your agent will work together to make sure that the escrow period results in you getting your keys.

5 – Keys: After the escrow period ends and the closing has taken place, your keys are delivered to you and it’s time for you to enjoy you new home!

There are many loan programs for first-time homebuyers that make home ownership more attainable.  There are additional programs if you have served in the armed forces, work in public safety, are a school teacher, or meet certain income requirements.  Consulting with your agent and finding a program that works for you is an important first step to buying your home.

Fixers can be very lucrative for novice and experienced real estate investors.  Finding the worst home on the best block is always the goal.  However, there are some potential pitfalls to buying a fixer such as not knowing the most costly issues of the home before purchasing.  Having a good agent, contractor, and lender are imperative to making sure your fixer meets your needs and goals.

Multi-family dwellings are perhaps the most rewarding but labor-intensive investments that a residential investor can make.  Generally, a number of options are presented when one of these are obtained.  The owner has the option of a simple buy and hold, renovation and flip, condo conversions, living there themselves, etc.  Of course these options depend on  a number of outside factors as well.  The flexibility around these investments make them highly desirable.  Talk to your agent about your goals, it’s their duty to help you accomplish them.


Your total monthly payment

Principal & Interest


1 – Contact Kimani: The first thing you want to do is contact your agent so that they can run a CMA (Competitive Market Analysis) to accurately price your home. Things to consider are your desired profit, contingencies, and closing timeline.

2 – Prepare Your Home: Prepping your home is key to attracting buyers.  Professional photos of your home in its best condition will set it apart from competitors.  Consider hiring a staging company to make your place look it’s best.

3 – Listing Time: Your agent will put your home on the MLS (Multiple Listing Service) as well as other online outlets for maximum exposure.  Holding open houses and private showings will also attract willing buyers.

4 – Offer and Escrow: Once you’ve taken the steps above, you will receive one or multiple offers.  It is up to your discretion to determine which offer is best, depending on offer price, contingencies, and closing timeline.

5 – Time To Move: Once you’ve accepted an offer and completed the escrow period, you will need to turn over the home to the buyers in the condition agreed upon.  Knowing what to do with any excess funds is important.  Consult your agent and tax professional to avoid expenses like capital gains tax.

Selling your home and moving into another purchase is a common transaction that most sellers experience.  Understanding all of your options and consulting with your agent will save you time and potentially money.  Can you possibly afford to keep your current home as an income property and purchase a new one?  Is renting more cost-effective than owning in your new desired area?  Will you have to pay capital gains tax after your sale?  Being able to answer these questions and others will result in wise investments and good financial health.

A short sale is a viable option to avoid foreclosure.  The lender that holds the mortgage will decide what amount, if any, they are willing to accept below the value of the loan.  The process can be arduous but is often better than allowing a foreclosure.  A big negative of executing a short sale is the effect on a credit report.  Short sales can stay on a credit report for 2 to 7 years, like a foreclosure.  However, short sales are often reported as a charge off from the lender, meaning that the loan was settled for an amount less than what was owed instead of a complete default.

A foreclosure is defined as the action of taking possession of a mortgaged property when the mortgagor fails to keep up their mortgage payments.  This has a huge negative effect on a credit report and can hinder someone’s ability to buy a house, car, or even leasing a property.  There are ways to avoid foreclosure that should be considered.  Short sales are an option that are commonly utilized.  Other options include loan modifications, possible refinance, moving out and renting the home, finding a private investor to help with payments, or hire with a mortgage rescue company.  Some of these options are unorthodox but should be considered to avoid the pitfall of foreclosure.



Kimani Lovan

East/South Bay | Bay Area
4682 Chabot Dr. #10393 – Pleasanton, CA 94588

REALTOR® – CAL DRE# 02059195
E: K@BayAgentK.com
P: (408)800-5569

(Your info will remain completely private and will not be sold, I promise!)

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