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Fulton Bank
Fulton Bank
Frank Stephen Kolencik
Frank Stephen Kolencik Senior Mortgage Loan Officer

Frank $ Kolencik has 30 years’ experience in the mortgage services industry and is a Senior Mortgage Loan Officer for Fulton Mortgage Company, a division of Fulton Bank. He takes personal pride in helping his clients find the right mortgage solution regardless of whether they are First-Time Buyers, Construction, Physicians, or Investors. Frank will provide you with exceptional client service before, during, and even after settlement of your loan throughout Fulton's Mid-Atlantic footprint of Virginia, Maryland, Washington D.C., Delaware, Pennsylvania, and New Jersey.

Frank $ specializes in:

  • Medical Professional JUMBO & Investor Home Mortgage Loans for Medical Doctors & Physicians, including DO, DDS, DMD, VMD, PHARMD, VETD, Fellows and Residents.
  • Medical Professional LTV's:
  • 100% owner occupied financing for up to $1.5 million, 95% financing for up to $2 million, 90% financing for up to $3 million 
  • No PMI for Medical Professionals Program
  • Construction Perm and Renovation Mortgage Loans
  • First-Time Home Buyers - 0% down Community Program with no PMI
  • Buying "Non-Contingent"
  • 5% Down JUMBO


  • St. Edward High School - Lakewood, OH
  • University of Maryland, College Park- Bachelor of Science (BS) College of Education

Community Involvement:

  • Fair & Responsible Banking Team Member
  • Knights of Columbus
  • Chamber of Commerce
  • American Diabetes Association, Walk to Stop Diabetes       
  • High School and Youth Football Coach


  • Happy Clients who are Raving Fans
  • President's Award
  • Unsung Hero and 4 year Football Letterman for Maryland Terrapins
  • Qualified VHDA Trainer


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