Karl Kruger (North State Financial, Inc.)

325 Towne Centre Terrace

Suite A

Brentwood , Ca 94513


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Realtor, Real Estate Purchases, Sales, and Mortgage Financing. Residential, Commercial, Construction, Reverse Mortgages, 1031 Exchange, Full service Real Estate and Mortgage Lending Brokerage.

Get to know Karl Kruger

If you're reading this, chances are you are looking for expert advice and service with your next Real Estate Purchase, Sale, and Mortgage.  Well, you've come to the right place. Here at North State Financial, our focus is on providing superior Real Estate and Mortgage service, with the right solutions to fit your situation. We understand that your home is a serious commitment as well as an enormous investment in your future.  You need an experienced professional guiding you through the process, answering your questions so that you'll know with confidence that you made the right choices.  Contact Karl Kruger at 925-895-6467  or send an email to    karl@northstatefinancial.com

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What does our commitment to personal service mean to you? It means that we focus on you and your goals. Anyone can represent you in a Real Estate transaction, or line up a great looking rate for you.  The difference with North State Financial is clear....we take the time to listen to your short term and long term goals, show you any of the "gotchas" that can overshadow teaser rates, and ensure that you attain your goals involved in buying or selling a home.    We don't surprise you at closing with a different rate or program.  We don't bury the fine print or disguise fees as some other terminology.  We dont short sell you on your home listing, or purchase, and we always close your transaction with superior results.  You get straight answers, helpful advice, and we listen to your goals.  We want you as a client and a friend for a lifetime.  We really mean that!   Contact Karl Kruger at 925-895-6467 or email to   karl@northstatefinancial.com