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Team members

Kal Financial Team

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David Lawver

MANAGING DIRECTOR
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Shane Valente

SR. MORTGAGE ADVISOR
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Ryan Leeder

SR. MORTGAGE ADVISOR
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Daniel Chalk

MORTGAGE ADVISOR
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Russell Rivera

MORTGAGE ADVISOR
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Sienna Kanis

CERTIFIED MORTGAGE ADVISOR
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Rob Pavley

MORTGAGE ADVISOR
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Mark A. Harris

MORTGAGE ADVISOR
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Our introduction

Welcome To
Kal Financial

Thank you for taking the time to visit Kal Financial, a Mortgage Broker Firm. We guarantee you will find plenty of helpful information on our website to help assist you in purchasing your new home or if you are considering re-financing a home loan.
Delivering 100%
satisfaction
Professional
mortgage brokers

The Mortgage Banker vs. The Bank

When you are considering financing you will have the choice to work with either a mortgage broker or a bank. We are professional mortgage brokers and want to point out a few distinct facts about some pros and cons of each.

Broker

01

Lower Cost

Mortgage Brokers generally have lower costs.
02

More Options

Mortgage Brokers generally have more options and connections to network with.
03

More Knowledgeable

Mortgage Brokers generally are more knowledgeable; Professional Brokers have to be licensed whereas someone working for a bank or credit union may not.
04

100% satisfaction

Mortgage Brokers work by referral and need to deliver 100% satisfaction to our clients.
05

Best customer service

You work directly with with our team of professional mortgage brokers. As a potential buyer you have many loan options; our job is too cut through the red tape so you can have multiple choices from the most competitive lenders for a great rate and unmatched personal customer service.

Banks

01

Convenient

Banks are convenient because they often have many locations.
02

Advertising Rates

Banks often advertise rates with points, be careful to read the terms and conditions VERY carefully.
03

No License Needed

Banks they are not required to be licensed.
04

Cross Sold

Banks will get cross sold on other products.
05

Connection With Multiple People

Generally speaking, banks may talk with the loan officer once and then their assistant or processor the rest of the time.
Those are just 10 factors to consider, obviously there are many more ways to compare the two but Kal Financial is a top mortgage broker firm which allows us to give you the best rates and unparalleled customer service.

Real Estate Experts

California Home Loans

Buying a home is a big moment in your life, regardless of whether you are planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for California home loans, you will find that this site is a complete resource full of insider secrets that will allow you to choose the California mortgage program best suited to your financial needs.

California Mortgages

The goal of any mortgage broker is to ensure we make it fast and easy for all perspective home buyers which includes: people buying a home for the first time, small business owners and people purchasing a home with less than perfect credit to get the California home loans you need for the home you want. Kal Financial wants to go above and beyond to make sure you have a 5 star experience throughout the whole process!

California Real Estate

Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office at (408) 834-4571, we are here to help you with all of your home loans needs.
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SAVINGS
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Loan
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happy clients

  • Shopping For Home:
    Work with realtor your to find your dream home. Kal Financial will update your letter to match your offer.
  • Offer Accepted:
    Meet with your mortgage advisor and provide updated income paperwork, lock your rate, and sign all disclosures.
  • Loan Approval:
    After initial approval, the underwriter will ask for some updated paperwork. Client must provide this within 24 hours.
  • Closing, Congrats!
    Final loan papers are created and the customer may sign via notary or on-site at the title company. Your loan is completed.
Online Calculator
How your loan gets funded?

Loan Process Map

Bring your income paperwork to the meeting. Your mortgage advisor explains the process and your financing options. You receive your pre-approval letter during your meeting.
Kal FInancial

Know more about your options.

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Home Purchase Assistance

Your first step to buying a Home

If you are considering purchasing a home, you should first get to know your financing options so that you can shop within your budget.
Read More
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Loan Products

Find the loan that fits you

Check out our mortgage options and find the one that’s right for you. Whether you’re buying your first house, or you’re a seasoned homeowner we offer mortgage loans to fit your needs. Prequalify online today and get your dream approved.
Get a Free Quote
Testimonials

Let us help you.

“The impeccable service and extensive mortgage and economic market knowledge displayed by KAL Financial was a breath of Fresh air. Unlike the typical mortgage experience, doing my loan with KAL financial was smooth, fast, and I got a way better rate than my bank and old broker quoted.”

John T.

Sacramento, CA
“I got the exact rate and program that I wanted and couldn’t find anywhere else. In minutes, I had an approval, a list of the documents they needed, and I was never asked for anymore paperwork through the whole loan process. Amazing! I am telling everyone I know about you guys.”

Karen J.

Santa Rosa, CA
“My experience with an out of state internet Mortgage Company turned into a horrible nightmare. They did not know anything about California and did not return phone calls, etc. Luckily I found KAL Financial and have to say it was a very pleasant experience and a quick closing. KAL Financial really cared about me and made me feel important and not just another number. I highly recommend KAL Financial.”

M. Ellis

La Quinta, CA
“I was extremely impressed with the high level of service. KAL Financial was always there for our questions and the answers were always to our benefit. We were pleased to close in just 9 days! We recommend KAL Financial to our friends, family and co-workers.”

J. Watson

San Diego, CA
“Our experience with KAL Financial was the best thing to happen since sliced bread! The loan was approved and processed in the time frame we needed. The loan officer was careful to explain the procedures and answer all the questions we had about refinancing our home. It was very convenient to download the forms off the internet.”

T. Donati

San Jose, CA
“I have nothing but good things to say about KAL Financial. I wish I knew they existed when I mistakenly applied with a mortgage company that knew nothing about California. Better late than never! I will definitely call KAL Financial when I purchase my next house or refinance my current property.”

J. Kusen

Los Angeles, CA