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Years
Our introduction

We Help You Come Home To The Best Loan

Trusted throughout the community, Your 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.
$ 1  million+
SAVINGS
$ 1  million+
Loans
24/7/ 1
Support
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happy clients

Our Mission Statement

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.
Team members

Kal Financial Team

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David Lawver

MANAGING DIRECTOR
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Daniel Chalk

MORTGAGE ADVISOR
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Shane Valente

SR. MORTGAGE ADVISOR
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Rob Pavley

MORTGAGE ADVISOR
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Russell Rivera

MORTGAGE ADVISOR
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Jeff McMullen

MORTGAGE ADVISOR
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Leslie Kanis

CERTIFIED MORTGAGE ADVISOR
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Ryan Leeder

MORTGAGE ADVISOR
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Mark A. Harris

MORTGAGE ADVISOR
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Travis Baucom

MORTGAGE ADVISOR
Testimonials

what our customers say about us?

“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