KAL Financial Ratings & Reviews

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NMLS ID: 453038

KAL Financial

(5 of 5) 3 Reviews

100% of our customers would recommend this lender.

About KAL Financial

Kal Financial is a paperless mortgage team that delivers faster than market closings on home purchases and some of the lowest refinance rates possible. Our staple in the market place is how we compare to big Banks like Wells Fargo or Bank of America....

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3 Reviews

(5 of 5)
Review Breakdown
  • (3)
  • (0)
  • (0)
  • (0)
  • (0)
  • Lender Review
    from Shingle Springs, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Highly Recommended

    (0) (0)
    I had a great experience with David. I compared rates and fees against 4 other lenders. He beat the other four, significantly in some cases. Beyond that, David put his best foot forward from day one and he simply out worked his competition from the first phone call. We got our refinance complete in 3 - 4 weeks. Frankly I'm not sure when he sleeps. Most Affordable Hardest working Very quick process You won't regret working with David... Read More

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  • Lender Review
    from California
    (5 of 5)
    Recommended!
    Reviewed:

    I gave them a 10!!

    (0) (0)
    Their communications were excellent. And I have already referred them to someone else. A special thanks to Karla. Very nice lady. Always answered our questions fast. If she didn't have the answer, she would call us back within 1 hour with the answer. David and Ryan too, were great. I wanted to give them a 10!

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  • Lender Review
    from California
    (5 of 5)
    Recommended!
    Reviewed:

    Glad we did!!

    (0) (0)
    Everything with David and his team were good. Communications were good. He is likely to refer to others.

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Kal Financial is a paperless mortgage team that delivers faster than market closings on home purchases and some of the lowest refinance rates possible. Our staple in the market place is how we compare to big Banks like Wells Fargo or Bank of America. Big Banks and mortgage bankers can take up to 45 days to close as well as charge as much as 6-8,000 more in fees on a 400,000 loan. Because we don’t have the huge overhead or advertising costs that go with the big name recognition, we are able to close the transactions much cheaper in rate and fee. We are small enough to offer a service level where we can close loan in as little as 10 days, but our office closes over $200 million in loan volume per year so we are big enough to get tier 1 pricing and preferred relationships with every major banking source out there. We have 15+ investors so when one investor can’t do a deal, can’t close quick enough, or doesn’t have the best price, we can switch to the investor that will deliver the necessary terms. A lot of brokers don’t close enough business to maintain the same amount of relationships that we have.