One: Mortgage Brokers generally have lower costs. Two: Mortgage Brokers generally have more options and connections to network with. Three: Mortgage Brokers generally are more knowledgeable; Professional Brokers have to be licensed whereas someone working for a bank or credit union may not. Four: Mortgage Brokers work by referral and need to deliver 100% satisfaction to our clients.
Five: 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. One: Banks are convenient because they often have many locations.
Five: 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. One: Banks are convenient because they often have many locations.
Services
If you are considering purchasing a home, you should first get to know your financing options so that you can shop within your budget. A number of factors determine the price range of homes you'll want to preview - one of these factors is loan pre-qualification. There are many different types of loans to consider - FHA, VA, Conventional and even Bad Credit Loans.
Get started by entering your information into the Loan calculator >. Select the Real-Time Quote button and your information will processed in seconds. Find the loan your interested in and select the apply now button. A welcome page will open with a Patriot Act window. Then just fill out the application the following pages.
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.
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.
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.
When shopping for a mortgage, the lender may give you a quote for the mortgage interest rate and points (additional fees charged by the lender usually paid at closing by the borrower). These only represent terms available at the time of the quote. They may not be available by the closing date (which may be weeks or months in the future).
This mortgage is fixed for the entire 30 year term of the loan. This is the most conservative mortgage available providing absolute rate stability but most likely a substantially higher rate than ARM's or hybrids such as the five year or three year mortgages. This loan does not have a prepayment penalty and does not have negative amortization.
Reviews (18)
Natasha F.
Feb 05, 2021
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David and his team give you 150% every time. I recently received multiple lender advertisements to refinance my investment property and home, but only Kal Financial could execute better than the advertised rate. David and his team recognize that his customers, work and have families. They make themselves available early mornings, nights and weekends. Kal Financial has expert loan partners and underwriters that are not just paper processors. They understand employment, lending, appraisals, investment, retirement plans and all the aspects of underwriting that minimize the document intensive nature
Asher M.
Dec 08, 2020
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"I can honestly say Daniel Chalk and Kal Financial aka American Financial Network team made my first home buying experience a very pleasant one. I am still astonished as to how smoothly this process went from start to finish! From our first conversation he explained each and every option that was available to me and I never felt pressured into any decision. My phone calls were handled in a professional and timely manner by Ashley McClintock and Karla Balajadia. All in all I really couldn't imagine my home buying process being any easier. Even now that the deal is done I would still feel
Scott M.
Sep 08, 2020
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Paz F.
Jul 24, 2020
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Is there a minus star? I am a Realtor, Paz Flores DRE 00966415. I haven't seen this type of lender since the 2007 lender fiasco. This was my personal experience. I received a "preapproval" letter from Daniel Chalk, the clients lender. This letter meant absolutely nothing. I called the office to verify the client was preapproved and had liquid cash to close the escrow. Verified, however, that direct conversation meant nothing. Time to remove loan contingencies and the games began. Call the office, different individuals, no return calls, Daniel will only communicate via email
April W.
Dec 28, 2018
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Our agent recommended Daniel at Kal Financial for helping us get into our first house. Daniel was very friendly and nice. Everything seemed fine. A bit later, as it got closer to closing, we told Daniel that we had been doing some mortgage shopping on our own and we found a better interest rate than what he was offering us. So he agreed to drop the interest rate for our mortgage with him. Well, a week or so later, a day after we were supposed to close-he told us he could no longer offer us the interest rate we were promised, and basically told us that we had to accept a much higher interest rate
Jason C.
Nov 16, 2018
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Forgot to review this company after a terrible experience I had buying my home 2.5 years ago. They completely over promise on turnaround times, act completely unprofessionally throughout the process and seem to have short-term memory loss as they miss details that were clearly laid out.
I post very reputable reviews and I would not recommend this company.
I post very reputable reviews and I would not recommend this company.
Christian G.
Sep 24, 2018
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I worked with Rob Pavley at Kal Financial on my most recent home purchase and was very impressed with him and the company and will definitely work with them again.
I was referred to them by a friend who has financed several homes and multiplexes through them and am very happy with their thorough and helpful advice in navigating the mortgage options. He communicated well in helping me understand the process and the calculations. They were able to present several options and then helped me in evaluating so I could make the best decision.
I was referred to them by a friend who has financed several homes and multiplexes through them and am very happy with their thorough and helpful advice in navigating the mortgage options. He communicated well in helping me understand the process and the calculations. They were able to present several options and then helped me in evaluating so I could make the best decision.
Sssss S.
Aug 22, 2018
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Buyer beware. If you depend on these guys to get a mortgage, be prepared to get a high rate (with a lot of it hidden in points) and no guarantees in writing upfront unless you ask for it. After too many warning bells going off, I backed out and am glad I did so. Looks like too many other people got stuck with these guys and got to the point where their only choices were to back out of the offer and lose their deposit or accept Kal financial 's bad terms and live with it.
Nice G.
Jul 11, 2018
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Run don't walk! Worst experience ever! Daniel the loan officer made promises he didn't keep including telling us not to worry the company was causing delays in our close of escrow because the company would cover the daily costs. Miscommunication would have been a welcome relief because no communication is what we got. When we went to he operations manager Karla she pretended to try to assist but then would disappear for days at a time with no follow up. Finally went to the owner David Lawver who also made promises to step in and help but apparently he meant just for one morning and after
Eskil O.
Oct 07, 2017
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Daniel C.
May 13, 2017
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I doubt if anyone at KAL financial will even look at this review because they obviously didn't respond to the comments I made on the signing documents, which indicated that this was the worst financial transaction I have ever experienced. I say that having spent almost 20 years working in the financial industry! This is also coming from someone who has an 800 credit score, an investment account worth twice the value of the loan and a paid off home
Where do I start? With the endless requests for meaningless documents? Like the request for a copy of my 'Solar power lease' on my
Where do I start? With the endless requests for meaningless documents? Like the request for a copy of my 'Solar power lease' on my
Arif K.
Feb 16, 2017
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TL;DR - Beware! Nice people, great customer service -- but they delivered the WORST possible result for me. (Worked with Ryan and Mark at KAL Financial.) My advice - don't be fooled by their great customer service, but if you do engage them - don't rely on them. Run a parallel process with other lenders.
I've finally, finally gotten out of the bind that KAL Financial put me in - and finally have the time to de-compress and reflect -- and frankly, I finally have the time to get angry.
As a first-time home buyer, I was referred to KAL Financial by my real estate agent - and they
I've finally, finally gotten out of the bind that KAL Financial put me in - and finally have the time to de-compress and reflect -- and frankly, I finally have the time to get angry.
As a first-time home buyer, I was referred to KAL Financial by my real estate agent - and they
Lina P.
Nov 16, 2016
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I went to David to see if I can get a pre-approve to purchase a property under my own name. My situation was a little unusual at that time (in the middle of a divorce and with on-going title/mortgage with my ex, and cash enough for a new down payment).
After we went thru all the paperworks and multiple calls later - I was pre-approved and should go ahead with shopping for a property.
A month later, I found my dream home. He said we can close the deal within 30 days. After 50 days, many many calls, meetings, documents, David came back saying that I am not cleared to purchase the house. Therefore
After we went thru all the paperworks and multiple calls later - I was pre-approved and should go ahead with shopping for a property.
A month later, I found my dream home. He said we can close the deal within 30 days. After 50 days, many many calls, meetings, documents, David came back saying that I am not cleared to purchase the house. Therefore
Sonja G.
Oct 26, 2016
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I was recommended to Kal FInancial by my sister who had given them rave reviews after buying her condo.
Karla, David, Ryan and the entire team were with us every step of the way as my wife and I purchased our first house. They ensured we had a qualified realtor, helped us improve our credit score in less than a month and qualified us for more than we initially had been quoted at other banks.
They were very helpful in guiding us through the process and ensuring we understood what we were doing and signing. David was also honest about what our struggles and realities would be in the current housing
Karla, David, Ryan and the entire team were with us every step of the way as my wife and I purchased our first house. They ensured we had a qualified realtor, helped us improve our credit score in less than a month and qualified us for more than we initially had been quoted at other banks.
They were very helpful in guiding us through the process and ensuring we understood what we were doing and signing. David was also honest about what our struggles and realities would be in the current housing
Michael C.
Oct 11, 2016
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Rick C.
Dec 03, 2015
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Pravin B.
Oct 16, 2014
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Lindsay B.
Sep 03, 2014
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My parents recomended the Lawver Mortgage Team to my husband and I because they helped them refi a few years ago and made the process really fast and easy. My real estate agent(Steven Owens @ Coldwell Banker) also highly recomended them.
Our first time home buying experience was made fast and as simple as it could get thanks to the Lawver Team. We initially met with David and were really impressed by his ability to make all the numbers work and his honest advice and professionalism. The customer service here was fantastic as well. We worked with David, Anthony, Maddy and Karla and I'm sure
Our first time home buying experience was made fast and as simple as it could get thanks to the Lawver Team. We initially met with David and were really impressed by his ability to make all the numbers work and his honest advice and professionalism. The customer service here was fantastic as well. We worked with David, Anthony, Maddy and Karla and I'm sure
