Khaled Morad - KCL Funding Group

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Khaled Morad - KCL Funding Group Mortgage Loan Broker
KCL Funding Group
DBA of Go Rascal
NMLS #2096211
KCLFundingGroup.com I love the Tampa/St.

I'm originally from Buffalo, New York, where I was both a real estate professional and a school teacher. As a former educator, I understand the importance of making sure every client fully understands the mortgage process so they can feel good about the entire experience. This is why I make it a priority to provide my clients with excellent customer service, communication, and education. Whether you are setting down new roots, or making investments for the future, I am here to support you every step of the way! Pete area, and I'm excited to help you on your real estate journey!

10/15/2026

Don’t cry. Did you know your credit score is only one of several factors that determines your mortgage rate and terms?

Your down payment, loan program/type, loan purpose, property type, rate type (fixed vs ARM vs I/O) and the general market.

All these factors determine your risk to the lender. Less Risk = Better Terms

You can often use one factor to make up for the other, but there’s one secret tool nobady talks about that can make up for a majority of these factors and get you the best terms!

Comment TERMS and I will share it with you.

10/13/2026

I’m trying to qualify a bank statement loan, and apparently we’re stopping everything for a motivational speech. 🤔

Mortgage options can look different depending on how you earn your income. If your tax returns don’t tell the whole story, a bank statement loan looks at your actual deposits instead.

💬 Be honest: which “by the way” line got you? 👇
📩 Buying, refinancing, or just curious what you’d qualify for? Send me a message.

10/12/2026

is a Veteran and Veteran-focused Realtor in Tampa, South Florida. Caleb explained to me the military is not for everyone; you have to be able to follow rules.

In our podcast conversation, I found it interesting that Caleb admitted he doesn't naturally like being told what to do. Looking back, he said the military was good for him at that point in his life.

Boot camp forced him to mature quickly, and his service also gave him the opportunity to travel to 15–16 countries.

Do you think military service is a good way to gain discipline and life experience after high school?

🎥 Watch the full conversation on YouTube
🎧 Or listen to the full episode of Tampa REAL Tea on Spotify

Real conversations about real estate, business growth, and the people behind it.

10/09/2026

Kris Sabio was laid off during COVID, so he built a family business.

He entered Tampa real estate during one of the busiest markets we have seen. Buyers were everywhere, inventory was scarce, and getting offers accepted was difficult.

Kris learned how to convert opportunities, serve his clients, and build a consistent real estate business.

His business eventually grew enough for his wife to leave her day job and join him. She now helps with photography edits, appointments, driving, and the daily work behind the scenes.

One layoff changed the direction of their entire family.

🎥 Watch the full conversation on YouTube
🎧 Listen to Tampa REAL Tea on Spotify

Real conversations with Tampa real estate agents, business owners, and the people helping shape our city.

10/07/2026

Appraisals are changing November 2, and real estate agents need to know what’s coming.

Tomorrow, I’m joining and for Appraisals 201: How Appraisals Are Changing at Hyde House in Tampa.

We’ll cover the new UAD 3.6 appraisal report, what’s changing, what could create appraisal questions or closing delays, and how agents can better prepare their listings and clients going into 2027.

📅 Thursday, October 8
🕙 10–11 AM
📍 Hyde House Public Studio

Seats are limited, so make sure you RSVP.

What part of the new appraisal process do you have questions about?

10/06/2026

If you work in sales, this is an event you don't want to miss 💯

On October 17, and are bringing sales professionals together at the St. Petersburg Yacht Club from 9 AM to noon.

They’re combining mindset, sales, and practical training to help you sharpen how you prospect, handle objections, and close.

Ready to RSVP? Head to Brad or Audrey’s Instagram and you’ll find the event details and ticket link in their bio.

What part of sales do you want to get better at right now? Let me know in the comments 👇

10/05/2026

How should real estate agents use AI? Kris Sabio () joined Tampa REAL Tea to break down where it helps and where it doesn't.

His advice: every agent and realtor should learn it, but shouldn't hand everything over to it. Use AI for more efficient processes, to compete better, and to stand out. For creative work, let it sharpen your ideas and spark inspiration, but don't let it become your creative side. That's what makes your business yours.

Where in your real estate business has AI saved you the most time? Tell us below 👇

🎥 Watch the full conversation on YouTube
🎧 Or listen to the full episode of Tampa REAL Tea, a real estate podcast, on Spotify

09/28/2026

A strong sphere of influence gives you a head start with every real estate lead.

gets most of his business from people who already know him or were referred by someone he has worked with. He isn't starting from zero with those clients. The trust is already there.

That makes a huge difference compared with competing for attention from a cold internet lead.

How much of your business comes from referrals or your existing network?

🎥 Watch the full conversation on YouTube
🎧 Or listen to the full episode of Tampa REAL Tea on Spotify

Real conversations about real estate, business, and the people behind it.

09/25/2026

Would you know these weird home improvement tools are real? Tampa realtor wasn't so sure. 😂

Host Khaled Morad put her to the test with a round of Real or Fake: a wearable chair, a floor squeak detector, a carpet knee kicker, painting triangles, a "toilet tilter" for a stronger flush, and a toilet clog detector.

She called the carpet knee kicker "so fake." It's real, and Khaled was sure a realtor would know that one. By round four, Precious admitted she's really bad at this game. And the toilet tilter? Khaled made that one up himself.

💬 Your turn: which of these do you think are real? Drop your guesses below before you watch 👇

🎥 Watch the full conversation on YouTube
🎧 Listen to the full episode of Tampa REAL Tea on Spotify

09/23/2026

She started her real estate career without quitting her teaching job, and a realtor friend is the reason why.

For women wondering how to start a career in real estate while planning for motherhood, 's advice is simple: "just dive in and do it if you believe in it." But she also believes in preparing, because moms and providers carry real responsibilities.

When she got her license, a friend who was already a realtor pulled her aside and warned her not to stop teaching. Keep a side income, she said, while the business grows. Precious listened, and she's glad she did.

Believe in it and build a safety net. You don't have to pick one.

💬 If you're building a career while raising a family (or planning to), what's the one thing that's kept you going? Tell us below 👇

🎥 Watch the full conversation on YouTube
🎧 Listen to the full episode of Tampa REAL Tea on Spotify

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Tampa, FL
33626

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