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Frank Ricci
Dr. Frank, PhD, CHt




Who Is Dr. Frank


I say what I believe, I do what I say and I am honest with my clients who affectionately call me Doc. In fact, many become good friends as you will read in the Testimonials and Endorsements section.

I am a Top Producing Real Estate Agent, Shared Equity Facilitator, Innovative Financing Specialist, Life Management Coach, Motivational Speaker and Host of the "Frank and Friends" talk radio show.

I've spoken to more than 200 organizations with over 150,000 attendees.

When I speak on real estate or self-improvement I share two beliefs with my audience:

You are whatever you believe you are


Good people can achieve great things when given a chance by others who care

I care about my clients and believe in transparency, and always place a priority on helping my clients achieve their goal.

I invite you to read my biography and hope you appreciate what the people I've had the privilege to serve say about me.

I invite you to contact me and allow me the opportunity to assist you, whether you would like to sell your home or purchase a house or you simply would like information about my Creative Financing and Equity Share Program and my innovative approach to leveraging equity.

Military Service

I served six years in the United States Air Force and was stationed outside Washington, D.C. where I received my secret clearance working in computer technology and honored with the rare opportunity to attend President Kennedy's inauguration

After receiving my Honorable Discharge I worked in Aerospace as a Scientific Computer Programmer.

I was also born into an immigrant Italian family with ten generations of professional singers dating back to the year 1700. Needless to say, I was born with music in my blood, so by day I was a Computer Programming Analyst and by night I was a Singer.

Las Vegas Headliner - Humanitarian Award - Cancer Survivor

A major Las Vegas Hotel heard me sing and hired me on the spot as their Headliner. I had the good fortune of co-starring alongside a string of superstars like Frank Sinatra, Elvis Presley, Michael Jackson, Tony Bennett, Reba McEntire, Marty Robbins, Tammy Wynette and many more.

I also shared my music with Downs Syndrome children and was humbled when I was awarded a "Humanitarian Award" for my service.

However, my singing career was cut short. Performing nightly in smokey showrooms brought its toll on my health and I contracted Cancer from second-hand smoke (I did not smoke). Needess to say my near-death experience shook me to my core and I promised God that if I survived I would dedicate my life, helping people improve their life.

Behavioral Therapist - Inspirational Lecturer

So, I completed my education and received a Doctorate in Theology and Counseling, and Certification in Behavioral Therapy.

My wife and I founded a charitable clinic naming it "The FREND Group".

I developed a self-improvement and inspirational program that was very effective at life and health management including eliminating stress and stress-related issues such as smoking addiction, excess weight, chronic pain, insomnia and much more.

My proprietary program was free to organizations and I conducted seminar/clinics to over 200 organizations nationally and with more than 150,000 people attending.

The organizations included major corporations like General Dynamics, law enforcement (Including the entire California Highway Patrol), firefighters, health organizations, professional associations and the State of California and virtually all of California's counties.

To review my charitable clinic website click here on The FREND Group and read the Testimonials and Endorsements from people whose lives dramatically improved.

Top Producing Realtor - Equity Share Developer

After travelling worldwide for many years as a Concert Artist, Clinical and Motivational Speaker my wife and I decided to settle down where I received my Mortgage Lender's License and eventually moved to Northern California so my wife could assist her ailing parents.

Turning Lemons into Lemonade

I always enjoyed investing in real estate so I obtained my California Real Estate Sales License.

Unfortunately, I was a Realtor during a major recession in real estate. Homeowners could not sell their homes and many defaulted on their loans. In addition, Homebuyers qualified for an 80% loan but could not obtain the 20% down payment.

I heard of a little known program called Equity Sharing and believed it might be the solution. After months of research I developed my "Equity Share Program". I presented it to three mortgage lenders who approved it.

I produced and hosted my own "Real Estate Radio Talk Show" to market my program and conducted creative financing presentations for prospective clients and real estate agents. My radio show was a success and homebuyers, sellers and developers contacted me for help.

I became Top Lister, Top Producer and Investment Manager for a Coldwell Banker affiliate.

The "San Francisco Chronicle" heard of me and featured me in one of their real estate articles and the "Wall Street Journal" featured Equity Sharing as a viable program for homebuyers.

I am proud of being one of a handful of Innovative Financing and Equity Share Facilitators in the United States.

I am also gratified and humbled at the assistance my program provided for people in need of help and truly believe Equity Sharing will become an integral part of real estate in the 21st Century.

I invite you to view my Awards and Certificates and read the heart-warming Testimonials & Endorsements I received from Homebuyers, Sellers and Developers.

I invite you to e-mail me by clicking here and look forward to speaking with you.