Team members

Kal Financial Team

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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%
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.



Lower Cost

Mortgage Brokers generally have lower costs.

More Options

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

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.

100% satisfaction

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

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 are convenient because they often have many locations.

Advertising Rates

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

No License Needed

Banks they are not required to be licensed.

Cross Sold

Banks will get cross sold on other products.

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.
Avg. $ 1 in refi.
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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.
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.

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.
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.

Let us help you.