Whether your a first-time homebuyer or a seasoned professional we have the loan programs, information, and tools you can use to be more successful. Low down payments, less than perfect credit, fixed-rates, adjustable-rates, and no-cost loan programs are just some of the options we offer our clients who are in the market to purchase a home.
Our home improvement loans allow for just that. And they come with the same commitment; low mortgage rates, fast closings, and exceptional service. And when it comes to home improvement loans working with an experienced Loan Officer matters. You have the option to do just that. Our programs offer the opportunity to lower your rate through our rapid refinance process.
Our home improvement loans allow for just that. And they come with the same commitment; low mortgage rates, fast closings, and exceptional service. And when it comes to home improvement loans working with an experienced Loan Officer matters. You have the option to do just that. Our programs offer the opportunity to lower your rate through our rapid refinance process.
Services
If you're in the market to purchase a new home or if you're considering a refinance of your current mortgage it's important to work with a mortgage company that has a great reputation. And a Loan Officer with experience and knowledge to ensure a smooth loan process so your mortgage closes on time. Loan Officer Kevin O'Connor has over 16 years of experience and a "Five Star" rating with Zillow along with "Five Star" ratings with Google and Yelp.
For over 16 years my team and I have offered low rates, fast closings, and exceptional customer service. From the initial quote to the funding of your loan you'll work directly with one person - Loan Officer Kevin O'Connor. Most mortgage companies pass you from one department to the next which slows down the process.
The reasons to refinance in California are usually different from one homeowner to the next. There are other reasons to refinance in California however the above six reasons are the most common among homeowners. Below you'll learn some of the most important aspects of doing a refinance in California.
Low rates, fast closings, and exceptional service. With our streamlined mortgage approval process, we can close your purchase transaction in as little as 3-4 weeks. In addition to our low rates, fast closings, and great service we offer various down payment options (as little as 3% down) as well as a wide variety of loan programs for those with less than perfect credit.
The benefits of an FHA home loan in California are numerous and we're here to give you all the inside information you need to get the best possible terms on your next FHA transaction. You'll learn about California FHA home loan requirements, loan programs, loan limits, mortgage rates, and more. What Is An FHA Loan: Knowing the important basics of what an FHA loan is will help provide for a better experience and ultimately it may save you money.
Reviews (10)
Fred Mayne
Oct 26, 2021
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Brian Keil
Apr 03, 2021
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This is the third time I have worked with Kevin. Each experience has been excellent. Kevin will get you the best rate available and take the time to explain every step of the process. He is very straightforward with his approach and responsive whenever I had questions.
I will continue to use Kevin in the future and recommend him to any family/friends when they are in need of a loan officer.
I will continue to use Kevin in the future and recommend him to any family/friends when they are in need of a loan officer.
Cindy A.
Mar 03, 2021
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After looking at different lenders and doing some due diligence, we decided to go with Kevin. He provided us with the most competitive rates, prices and closing time frames. We began our refi adventure with Kevin in mid-January and closed mid-February. He made the process incredibly easy and straight forward. Kevin was outstanding in communicating with us as well. He answered all of our questions promptly and was always on top of everything. As the main contact for our refi, he was present every step of the way! He is knowledgeable and puts things into perspective for you. Kevin truly looks out
Tami Scg
Feb 03, 2021
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We found Kevin’s company searching on-line, he had excellent reviews, a Five star rating and we now know why. Kevin is extremely professional and outstanding in the services he offers. We had such a hassle free excellent experience with Kevin for our home refinance.
We Highly recommend him, we will be referring all our family and friends to Kevin at JB Mortgage Capital, Inc.
Tami & John
We Highly recommend him, we will be referring all our family and friends to Kevin at JB Mortgage Capital, Inc.
Tami & John
Amy Vasquez
Jan 31, 2021
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Positive: Professionalism, Responsiveness
Just closed our refinance with Kevin and the process was smooth from start to finish. Kevin was great at answering all my questions and concerns promptly and kept me updated frequently throughout the process. This was our second time working with Kevin and I’m sure won’t be our last. Thank you, Kevin!
Just closed our refinance with Kevin and the process was smooth from start to finish. Kevin was great at answering all my questions and concerns promptly and kept me updated frequently throughout the process. This was our second time working with Kevin and I’m sure won’t be our last. Thank you, Kevin!
Gustav J.
Dec 27, 2020
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I closed a refinance of my principle residence with Kevin O'Connor recently. I have to say that it was probably the most efficient and quick closing that I have experienced among the many mortgage transactions that I have completed in the past. Kevin's personalized service is what makes the difference. He's always on top of it, keeping you informed every step of the way. He got me the lowest rate available and we closed in about a month's time. I won't hesitate to use Kevin again the next time I'm in the market for a new loan.
Rachel Fullum
Dec 13, 2020
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It was a real pleasure working with Kevin on refinancing my mortgage loan. Kevin is very knowledgeable and worked with me every step of the way, making the entire process clear and easy from beginning to end. I particularly appreciated the fact that he quickly responded to and answered all of my questions literally overnight. I highly recommend him to anyone who is considering refinancing their mortgage; he is very courteous and easy to work with and very responsive to his clients’ needs. He made the whole process a pleasant experience. Thank you, Kevin!
Cheyenne Halley
Nov 02, 2020
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Kevin was recommended to us by a friend who had previously worked with him and my husband and I have now refinanced with Kevin 3 different times. He is absolutely AMAZING to work with. He is always on top of everything and keeps you updated through every step of the process. Anytime I had a question he was always quick to answer an email or a phone call. Anytime there was a drop in rates over the last year he would check in with us and let us know. I would highly recommend using Kevin if you are looking to refinance.
Andrea Ybarra
Jul 16, 2020
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I have had the pleasure of working with Kevin as his closing agent for over 10 years! I admire Kevin greatly for the professional courtesy he has shown to my inside staff over our long tenure together. Kevin is a consummate professional that strives to provide the best service and guidance to his clients throughout the loan process. He is meticulous in this work and consistently maintains contact with us and his client throughout the transaction. I highly recommend Kevin for all of your mortgage needs. He is an absolute pleasure to work with!
Gaurav Singh
Jul 01, 2020
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Exceptional service and professionalism. Kevin is extremely knowledgeable and straight forward throughout the process. Always promptly reply to all my questions. Kevin gave me all the options and allowed me to chose how to set my loan up. The close process was very organized and fast, and the rate was very competitive. And the closing time, Kevin did some magic. I paid way less fees as compared to fees decided initially. I find him a very helpful person. I highly recommend him!
