Trusted throughout the community, the Kal Financial Team is a proven source providing clients with the highest quality financial services combined with the guaranteed lowest rates available in your area.

Purchasing a Home? Need to Refinance? Consolidating Debt? We Approve.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the guaranteed lowest rate no matter what your needs are.


Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Through the use of sophisticated pricing technology, we are able to provide you with the ability to see the best rate for your mortgage needs anytime. Our outstanding mortgage professionals work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.


< Back to Teams

Jeff McMullen
McMullen Mortgage Team Carmel Office:
200 Clock Tower Place
Carmel, CA 93923
(831) 210-4034

Main Office:
2542 S. Bascom Avenue 
Ste. 130 
Campbell, CA 95008

Our team will personally guide you through all the pricing options for the type of loan you seek. Once your loan begins with us, you will be able to check your loan status every step of the way.
Leslie Kanis
Certified Mortgage Advisor
NMLS# 2017931

Direct (650) 575-540
Fax (408) 228-0539

apply now!
Leslie is a Certified Mortgage Advisor that is dedicated to her clients having the most strategic loan options available to them, educating about the home buying process, and ensuring that her clients have all the knowledge they need to make one of the biggest financial decisions of their life.

Leslie provides an exceptionally high quality of service and communication throughout the loan process. Available to her clients as a lending and real estate professional they can count on if any questions arise now, and in the future.

Leslie has lived in the bay area for 6 years, has extensive knowledge and background in investment properties, short term rental management, and buying, renovating, and selling homes in the bay area. She enjoys helping clients get into the home ownership and become investors in their own life.

Front-End Production Associates For New Loans and Preapprovals
Our Front-End Production Associates are the first point of contact for our borrowers. They will help them through the qualifying part of the transaction – prescreen the loan application, gather all required information and documents and set an appointment with Leslie.

Deann Santos      
Deann Santos
Sr. Loan Partner
Direct: (831) 905-2359


Contract-To-Close Production Associates Call regarding a loan in process
Our Closing Coordinators will be your point of contact once your file is with our Closing Department. They have years of experience and
will work hand-in-hand with our in-house processors and underwriters. They are dedicated to give excellent customer service. Their
top goal is to have a smooth process and to ensure that you will close on time.

  Deann Santos      
Leslie Hancock
Sr. Loan Processor


In-House Processing Team  

  Karla Balajadia      
Karla Balajadia
Branch Processing Manager