Plano, Texas · Fathom Realty

Kalleb
Solomon
REALTOR®

Real Estate Agent · Licensed Mortgage Loan Officer (MLO #2454942)

RE License #0780853 · Fathom Realty LLC · Plano, TX

Helping DFW families buy and close with confidence. As a licensed REALTOR® and Mortgage Loan Originator with Encompass Lending Group (NMLS #292897), I bring expertise on both sides of the transaction — giving you a more complete, informed experience from first showing to final signature.

I got into this business because I believe real estate is one of the most powerful tools a family can use to build lasting wealth — and most people just need someone in their corner who will actually explain it. Rooted in faith, committed to serving well, and genuinely invested in your outcome, not just your closing.

$3.5M+Volume Closed

DFWNorth Texas

MLOLicensed & Credentialed

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About

Kalleb Solomon

Fathom Realty LLC · Plano, TX

RE License#0780853

MLO License#2454942

BrokerageFathom Realty

Broker Lic.#0601430

Phone972-730-3953

Email[email protected]

📞 Call or Text Now ✉ Send an Email 📅 Book a Consultation

Real estate done
differently.

I am Kalleb — a licensed Texas real estate agent based in Plano, serving all of North Texas. I specialize in helping first-time buyers and move-up buyers in the $400K–$700K range navigate the purchase with clarity and no surprises.

I also hold a MLO #2454942 credential, meaning I carry professional-level knowledge of mortgage underwriting, loan structures, and financing strategy — knowledge I bring to every offer, every negotiation, and every client conversation. When your agent understands the financing side, you get sharper guidance at every step.

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First-Time Buyers

My specialty. Clear process, honest guidance from search to signed.

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Buyer Representation

Move-up, relocation, resale, or new construction — all DFW.

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Seller Representation

Strategic pricing and negotiation to maximize your net.

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New Construction

Grand Homes, Toll Brothers, and more. I know what is negotiable.

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Licensed MLO — Mortgage Knowledge Advantage

As a licensed Mortgage Loan Originator (NMLS #2454942) with Encompass Lending Group, I understand mortgage underwriting, loan structures, and financing options at a professional level. This knowledge informs how I evaluate your offer strategy, estimate your real costs, and guide you from pre-approval through closing — without you needing to piece it together from two different people.

Free Tool

Mortgage
Calculator

Professional-grade PITI + PMI/MIP + HOA + DTI. Enter your contact info to unlock your full personalized breakdown.

Purchase Details

Purchase Price *

Down Payment $

Down Payment %

Conv min 3-5% · FHA 3.5% · VA/USDA 0%

Loan Type *

Loan Terms

Interest Rate % *

Current 30-yr avg ~6.9%

Loan Term

Credit Score *

Occupancy

Monthly Costs (Texas)

Property Tax Rate %/yr

Plano 2.1 · Frisco 2.2 · McKinney 2.3

Annual Insurance $

TX avg $2,000-$4,500/yr

Monthly HOA $

PMI Override %/yr

Auto-calculated if blank

Income / DTI Check

Gross Monthly Income $

Other Monthly Debts $

Car, student loans, credit cards

Closing Costs

Seller Concessions $

Closing Cost % est.

TX buyers typically 2-4%

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Enter your info and I will send your results plus personalized rate context.

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Fill in the form and enter your contact info to unlock your full breakdown.

Total Monthly Payment

$--/mo

Monthly Breakdown

Principal & Interest--

Property Tax--

Insurance--

PMI--

HOA--

Total Monthly--

Loan Summary

Loan Amount--

Down Payment--

Est. Closing Costs--

Seller Concessions--

Cash to Close--

Lifetime Cost

Total Principal--

Total Interest--

Total Loan Cost--

Principal vs. Interest

Principal

Interest

Want to see real rate options?
As a licensed MLO, I can walk you through what loan programs are available and how each one affects your payment.

Book a Free Strategy Call →

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Estimate Only — Not a Loan Commitment Encompass Lending Group, LP · NMLS #292897 · Loan Originator: Kalleb Solomon NMLS #2454942 This calculator is for educational purposes only. Numbers are estimates based on your inputs and do not account for all fees, lender overlays, credit adjustments, or current market rate changes. Your actual monthly payment and loan terms will vary. Always speak with a licensed lender to get your real numbers before making any financial decisions. This is not a pre-approval or guarantee of financing.

Portfolio

Homes Bought
& Sold

Every listing and closed transaction is live on my HAR profile — updated automatically as deals close.

$3.5M+Volume Closed

$500K+Avg Close Price

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Currently Active Listings

Homes currently on the market, listed by Kalleb Solomon · Updated live on HAR.com

View Active Listings on HAR →

Listings sync automatically. New listings appear on HAR within 24 hours of going live in NTREIS MLS.

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Currently For Lease

Rental properties currently listed by Kalleb Solomon · Updated live on HAR.com

View For Lease on HAR →

All active lease listings are shown. Contact Kalleb directly for properties not yet on market.

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Sold Transactions

Homes bought and sold by Kalleb Solomon · Full transaction history on HAR.com

View Sold History on HAR →

Closed sales reflect MLS-recorded transactions. Some buyer-side closings may not appear depending on MLS reporting rules.

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Leased Transactions

Rental properties leased through Kalleb Solomon · Transaction history on HAR.com

View Leased History on HAR →

Reflects MLS-recorded lease transactions. Contact Kalleb for full rental portfolio history.

View Full HAR Profile →

Real Client Story

How Marcus & Tanya
bought their first home

Starting Point

Marcus and Tanya thought they needed 20% down and that DFW was out of their budget. Four years renting. Ready to buy. No idea where to start.

Week 1 — Credit

Pulled credit (720 joint). Found two collections they did not know existed. Disputed one. Pre-approved conventional at 5% down within 8 days.

Week 3 — Search

Toured 11 homes across Allen and McKinney. Coached on what is cosmetic vs. what is a red flag and how to evaluate builder vs. resale at the same price.

Week 5 — Offer

McKinney 4/3 listed at $498K. Advised $485K with concessions. Countered at $492K. Closed at $489K with $6,000 in seller concessions.

Day 42 — Keys

Zero surprises at closing. Knowledge of both sides of the transaction meant nothing fell through the cracks.

"Kalleb handled everything — the negotiations, the inspections, the timeline. He understood the financing inside and out and never had to wait on anyone else for answers. He treated our first home like it was the biggest deal of the year. For us it was."

Marcus & Tanya W.

First-time buyers · Closed in McKinney, TX · $489,000

42Days Start to Close

$9KSaved vs. List

5%Down Payment

0Surprises at Closing

Start Your Story →

The People Behind the Work

Meet the
Team

Every client deserves a team invested in their outcome — from first showing to closing day and beyond.

Agents

Kalleb Solomon

Founder · REALTOR® · MLO

Born and raised in DFW, Kalleb built his practice on faith, integrity, and genuine service. As both a licensed real estate agent and Mortgage Loan Originator, he guides buyers and sellers through every step — from pre-approval to closing keys. His mission is simple: multiply what God has entrusted to him by helping families build lasting wealth through real estate.

RE License #0780853 · MLO #2454942 · Fathom Realty LLC (Lic. #0601430) · Encompass Lending Group NMLS #292897

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Growing Agent Roster

Are you a driven agent looking for a team with purpose?
Apply to join →

Mortgage Partner

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Steven DePriest Jr.

Loan Officer

Steven is the mortgage partner behind the process. As a licensed Loan Officer, he works hand-in-hand with Kalleb’s clients to secure the best financing structure from day one — fast pre-approvals, clear communication, and no surprises at the closing table. His job is to make sure you know exactly what you qualify for and why before you ever make an offer.

NMLS # · License info coming soon — photo uploading shortly

Get Pre-Approved

Operations

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Tina

Transaction Coordinator

Tina keeps every transaction on track from contract to close. She manages timelines, coordinates between buyers, sellers, lenders, and title companies, and makes sure nothing falls through the cracks — so you and your agent can focus on the decision-making, not the paperwork. When Tina is on the file, things get done right and on time.

Contact information & photo coming soon

Contact the Team

We’re Building Something

Join the
Team

"Whatever you do, work heartily, as for the Lord and not for men." — Colossians 3:23

Whether you’re brand new or a seasoned producer, if you’re hungry to grow, serious about your craft, and want to do this work with purpose — we want to hear from you.

Tell Us About Yourself

Fill this out honestly. We’re not looking for the perfect resume — we’re looking for the right character, the right hunger, and the right heart. Every answer matters.

─ Contact Info

First Name *

Last Name *

Phone Number *

Email Address *

─ Your Background

Are you currently licensed?

Years of Experience

Current Brokerage / Company

What role are you applying for?

How many transactions did you close in the last 12 months? (Honest answer — zero is fine)

─ Your Goals & Mindset

What is your income goal for the next 12 months? Be specific. Don’t be shy.

What is the #1 thing holding you back from reaching that number right now?

Why do you do this work? What gets you out of bed in the morning?

What does a team mean to you? What are you hoping to find here that you haven’t had before?

─ Faith & Character

This team operates from a faith-based, Christ-centered perspective. That doesn’t mean everyone looks the same — it means we lead with integrity, serve others first, and work like it matters. How does that resonate with you?

Are you coachable? Describe a time someone gave you hard feedback and what you did with it.

How did you hear about us?

Best time to connect?

Anything else you want Kalleb to know before you connect?

Common Questions

FAQ

Do I need a buyer's agent to purchase a home in Texas?+

Not legally required, but strongly recommended. As your buyer's agent I represent your interests exclusively — not the seller's. I negotiate on your behalf, review contracts, coordinate inspections, and manage the transaction. The seller typically covers the buyer's agent commission, so my services cost you nothing out of pocket.

How does your MLO background benefit me as a buyer?+

Holding an MLO license means I have studied and tested on mortgage underwriting, loan structures, debt-to-income guidelines, appraisal requirements, and compliance standards at a professional level. When I review your pre-approval or evaluate your offer situation, I can give you informed, grounded guidance — not guesses. You get an agent who speaks the language of both sides of the transaction.

How much do I actually need for a down payment?+

Much less than most people think. Conventional loans go as low as 3-5% down. FHA requires 3.5% with a 580+ credit score. VA loans for eligible veterans are 0% down. USDA is also 0% for eligible rural areas. Use the mortgage calculator above to see exactly what each scenario costs monthly.

What is PMI and when does it go away?+

PMI (Private Mortgage Insurance) is required on conventional loans below 20% down. It typically costs 0.5-1.5% of the loan annually. It cancels automatically at 22% equity and you can request removal at 20%. With North Texas appreciation rates, many buyers hit 20% equity within 2-3 years.

What are closing costs and how much should I budget?+

Texas buyer closing costs typically run 2-4% of the purchase price. On a $500K home, budget $10,000-$20,000. They include lender fees, title insurance, appraisal, survey, and prepaids. Closing costs are negotiable — I regularly secure seller concessions to cover all or part of them.

New construction or resale — which is better?+

Both have real advantages. New construction offers a warranty and modern finishes, but the builder's sales rep represents the builder — not you. Having me in your corner on a new build matters. Resale often delivers more value per square foot with faster move-in. The right answer depends on your timeline, budget, and priorities.

What is the realistic home buying timeline?+

Most buyers take 30-90 days start to close. Pre-approval: 3-7 days once I have your documents. Active search: 2-6 weeks. Under contract to closing: 21-45 days. I have closed transactions in as few as 14 days for fully prepared buyers.

Pre-qualified vs. pre-approved — what is the difference?+

Pre-qualification is an informal estimate. Pre-approval involves a real review of your documents — W-2s, pay stubs, bank statements, tax returns — and a hard credit pull. DFW sellers expect pre-approval letters. My MLO knowledge means I can spot issues early that others miss, and help you understand exactly what you are working with before you step foot in a home.

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Legal Disclosures & Compliance

TREC Required

Information About Brokerage Services (IABS)

Texas law requires all real estate license holders to provide this notice to prospective buyers, tenants, sellers, and landlords. It explains agency relationships and minimum broker duties under TREC regulations.

TREC Required

Consumer Protection Notice (CN 1-5)

TREC regulates real estate brokers, sales agents, inspectors, and timeshare providers. You can verify license status and file complaints at TREC.Texas.gov. TREC administers the Real Estate Recovery Trust Account.

Sponsoring Broker

Fathom Realty LLC

Broker License #0601430 · [email protected] · 888-455-6040
Designated Broker: Shari Quan-Rios · License #0622496
Licensed Supervisor: Michael Creighton · License #0561946
Sales Agent: Kalleb Solomon · License #0780853 · MLO #2454942 · 972-730-3953

Regulated by TREC.Texas.gov
Equal Housing Opportunity ⊠
REALTOR® — NAR Member
MLO License #2454942

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Privacy Policy & Terms of Use

This website collects name, email, phone number, and property information voluntarily submitted through contact forms. Information is used solely to respond to your inquiry and is never sold to third parties. Form submissions are stored locally in your browser and delivered via email to Kalleb Solomon. By submitting a form you consent to being contacted regarding your real estate inquiry. You may request deletion of your information at any time by emailing [email protected].

All content on this website is for informational purposes only and does not constitute legal, financial, or investment advice. Real estate and mortgage information may change without notice. Kalleb Solomon makes no warranty regarding the accuracy or completeness of any information on this site. Use of this site constitutes acceptance of these terms. Unauthorized reproduction of any content is prohibited. Texas law governs all disputes arising from use of this website.

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Mortgage Loan Originator Disclosures

Sponsoring Lender

Encompass Lending Group, LP

NMLS #292897 · encompasslending.com
23108 Seven Meadows Pkwy, Suite 100, Katy, TX 77494
Phone: (855) 353-5363
Loan Originator: Kalleb Solomon · NMLS #2454942
Regulated by the Texas Department of Savings and Mortgage Lending

🔍 Verify License at NMLSConsumerAccess.org Equal Housing Lender 🏠
Licensed in Texas
NMLS #2454942

Texas SML Complaint Notice: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

Kalleb Solomon (NMLS #2454942) is a licensed Mortgage Loan Originator sponsored by Encompass Lending Group, LP (NMLS #292897). Mortgage loan origination activities are conducted under the authority of Encompass Lending Group, LP and subject to their underwriting guidelines. This website is not an offer to extend credit or a commitment to lend. All loan applications are subject to credit approval, income verification, and property qualification. Loan terms and availability are subject to change without notice.

Grab my First-Time
Buyer Guide before you go

Kalleb
Solomon
REALTOR®

Real estate done
differently.

Neighborhoods I
Know Best

Mortgage
Calculator

What is Your
Home Worth?

Homes Bought
& Sold

How Marcus & Tanya
bought their first home

From first call
to keys in hand.

What clients say

Meet the
Team

Join the
Team

Tell Us About Yourself

FAQ

Free resources to help
you make smart moves.

Ready to start
your search?

Legal Disclosures & Compliance

Privacy Policy & Terms of Use

Mortgage Loan Originator Disclosures

Grab my First-TimeBuyer Guide before you go

KallebSolomonREALTOR®

Real estate donedifferently.

Neighborhoods IKnow Best

MortgageCalculator

What is YourHome Worth?

Homes Bought& Sold

@KallebTheRealtor

How Marcus & Tanyabought their first home

From first callto keys in hand.

What clients say

Meet theTeam

Join theTeam

Tell Us About Yourself

FAQ

Free resources to helpyou make smart moves.

DFW marketin your inbox

Ready to startyour search?

Legal Disclosures & Compliance

Privacy Policy & Terms of Use

Mortgage Loan Originator Disclosures

Grab my First-Time
Buyer Guide before you go

Kalleb
Solomon
REALTOR®

Real estate done
differently.

Neighborhoods I
Know Best

Mortgage
Calculator

What is Your
Home Worth?

Homes Bought
& Sold

How Marcus & Tanya
bought their first home

From first call
to keys in hand.

Meet the
Team

Join the
Team

Free resources to help
you make smart moves.

DFW market
in your inbox

Ready to start
your search?