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 Office:
200 Clock Tower Place
Carmel, CA 93923
Main Number: (831) 210-4034

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.
Jeff McMullen
Mortgage Advisor
NMLS# 694626

Direct (831) 210-4034
Fax (408) 228-0539

apply now!
Jeff McMullen has been in the mortgage industry for fifteen years, with a strong background in bank management. His extensive professional experience along with his drive and attention to detail make him a valuable asset to Kal Financial.

Jeff has been living and working in the Monterey/Carmel/Seaside/Hollister areas for many years, giving him a unique perspective on this very diverse market. A self-described "workaholic," Jeff is extremely attentive to all of his customers' needs, always providing prompt call backs and detailed service during every step of the transaction. His sense of humor and caring nature make him a joy to work with.

He has been the recipient of multiple awards in the industry, including the Chairmen's Club, President's Club, Production Club, Leader's Circle and a "Best of Best" winner. He is a family man with three sons and two daughters, and loves to go camping, hiking, and play baseball with his children. He is involved in the Boy Scouts and his community.

Jeff's intense work ethic, caring nature, and quick responses make him an ideal loan professional and a great asset to Kal Financial.

"I'm always confident that the transaction will be seamless when Jeff is the loan officer. He communicates well with his clients throughout the loan process. There are no surprises when they come into sign their loan documents."

– HT - Branch Manager, Old Republic Title

Zillow Facebook LinkedIn

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 Jeff.

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



Participants learn about credit, loan qualifications
and the home buying process.
Food and gifts provided by Kal Financial.