Champion Brokers Real Estate And Financial Services
MICHAEL KLARMAN
STRATEGIC FINANCIAL & REAL ESTATE ADVISOR
I DON’T JUST FIND PRODUCTS. I FIND SOLUTIONS.
In lending, insurance, and real estate, the biggest challenge isn’t always finding a product.
It’s knowing what the right move is.
Michael Klarman brings experience across lending, processing, management, insurance, and real estate investing to help clients evaluate their situation, identify opportunities, understand their risks, and develop a strategy for moving forward.
Through Champion Brokers, Michael combines industry knowledge with an extensive network of lenders, wholesalers, insurance carriers, agents, and other professionals to help turn strategy into execution.
EXPERIENCE THAT CONNECTS THE PIECES
REAL ESTATE & LENDING
Hard Money • DSCR • Multifamily
Since 2019, Michael has worked in the hard-money industry as a processor, loan officer, and manager, and founded Champion Brokers in 2019.
He has helped clients close hundreds of loans while developing a practical understanding of what lenders look for—and what borrowers need to do to become financeable.
Michael helps clients answer questions such as:
- Is this actually the right deal for hard money?
- How should I structure the financing?
- What will a lender want to see?
- How should I position my borrowing profile?
- When should I use leverage—and when shouldn’t I?
- What financing strategy best fits my capital, credit, and goals?
The objective isn’t simply to close a loan.
It’s to use financing intelligently.
I’VE BEEN IN YOUR SHOES.
REAL ESTATE INVESTOR • BORROWER • DEAL ANALYST
Michael isn’t just advising real-estate investors from behind a desk.
He’s an investor himself.
Since 2023, Michael has actively invested in real estate, including purchasing properties at auction and evaluating opportunities with his own capital and resources.
That experience gives him something particularly valuable:
He understands both sides of the table.
He’s been the broker.
He’s been the processor.
He’s been the loan officer.
He’s been the manager.
And now, he’s also been the investor.
He’s looked at properties and asked:
Is this a good deal?
What’s my downside?
How much capital should I commit?
How should I finance it?
What could go wrong?
What does the exit look like?
Is the opportunity worth the risk?
Those aren’t theoretical questions.
He’s had to answer them for himself.
That experience allows Michael to better understand what his clients are thinking because he’s been in their position before.
He knows what it’s like to evaluate a deal, consider putting your own money into a property, weigh risk against opportunity, and make decisions when the outcome ultimately rests on you.
**He’s not just telling investors how to think.
He’s had to think like one himself.**
PROTECT WHAT YOU’VE BUILT
LIFE • HEALTH • MORTGAGE PROTECTION • ANNUITIES • RETIREMENT • ADVANCED MARKETS
Licensed in Life & Health insurance in 8 states, Michael specializes in helping individuals and families identify financial risks and determine appropriate protection strategies.
That can include evaluating:
Income protection
Mortgage protection
Life insurance
Health insurance
Retirement strategies
Annuities
Advanced-market solutions
Because building wealth is only part of the equation.
You also have to protect it.
THE STRATEGIST
CAPITAL + CREDIT + RESOURCES + RISK + GOALS = STRATEGY
Every situation is different.
A real-estate investor may have capital but need leverage.
A borrower may have a great opportunity but not yet have the right lending profile.
A family may have significant income and assets but inadequate protection.
A business owner may have resources but no clearly defined financial strategy.
Michael starts with the whole picture.
He helps clients assess:
Where you are.
Where you want to go.
What could prevent you from getting there.
What resources are available.
What strategy gives you the best probability of success.
Then he helps connect the right people and resources to execute that strategy.
A NETWORK IS ONLY AS VALUABLE AS THE PERSON WHO KNOWS HOW TO USE IT.
Michael has built relationships across lending, insurance, real estate, and financial services.
Lenders.
Wholesalers.
Insurance carriers.
Agents.
Financial professionals.
Industry specialists.
Rather than forcing every situation into one product, Michael can look at the circumstances and determine who needs to be brought to the table.
WHAT CLIENTS GET
COUNSEL
An experienced professional willing to actually work through the problem.
STRATEGY
A plan built around your capital, credit, risk, resources, and objectives.
ACCESS
Connections to professionals and providers who may have the right solution.
EDUCATION
A clear understanding of your options before making important decisions.
EXPERIENCE
Real-world perspective from someone who has worked on the lending side and the investment side.
EXECUTION
Helping move the strategy from an idea to an actionable plan.
ACCESSIBILITY
A real person you can call when the situation gets complicated.
CHAMPION BROKERS
LENDING. INVESTING. PROTECTION. STRATEGY. CONNECTIONS.
Michael Klarman
If you have a problem, an opportunity, or a goal—let’s figure out what the right strategy looks like.