I was ghosted by this company - after 4 months of their delays! Working with this company has been frustrating and a huge disappointment. I worked primarily with Daniel Chalk and Jeanette Hooker. Unfortunately, communication was consistently lacking, with repeated delays in responding to requests for updates and commitments that were not followed through on. As a client, I expected a higher level of professionalism, accountability, and responsiveness. Instead, I often found myself having to repeatedly follow up for information and resolution, which created unnecessary delays and additional work on my end. Based on my experience, I would strongly encourage perspective clients to carefully review customer feedback, and conduct thorough due diligence before engaging with this company. My experience fell well short of expectations, and I would not recommend their services to anyone. read more

Working with this company has been an extremely frustrating experience. Throughout our engagement, I worked primarily with Daniel Chalk and Jeannette Hooker. Unfortunately, communication was consistently lacking, with repeated delays in responding to requests for updates and commitments that were not followed through on. As a client, I expected a higher level of professionalism, accountability, and responsiveness. Instead, I often found myself having to repeatedly follow up for information and resolution, which created unnecessary delays and additional work on my end. Based on my experience, I would strongly encourage prospective clients to carefully review customer feedback and conduct thorough due diligence before engaging with this company. My experience fell well short of expectations, and I would not recommend their services. read more

Had an awful experience dealing with David Lawver. Communication was terrible, promises about timelines and services weren't kept, and I constantly felt misled and ignored. After my frustrating experience, I did some research and found multiple lawsuits against David for fraudulent financial dealings in other ventures. Wish I'd seen this earlier--it would have saved me a lot of stress. read more

I have waited 6+ months to post this review and I am still angry at this company. Kal Financial is a company I will NEVER recommend or use again. That simple. I was referred to them by my real estate agent. I was a first time home buyer and everything was smooth until around the last few weeks when I was supposed to close. I did NOT close on time and when I was angry about it, I asked for the branch manager (David) and he was was a total jerk who showed NO empathy to the situation at all. Yes sometimes you do not close on time BUT there was a LOT of promises and lies from this company I will not tolerate as a customer. David did NOT take accountability for the situation and what was going on. He even stated he was not going to do the loan two days before I was supposed to close!! David's attitude and his arrogant attitude was something I would never expect from a leader. I worked with Daniel Chalk who was nice BUT OVER PROMISED things. Like I said it was fine at first but that last few days there was dates and deadlines promised that did not happen. I had a 750+ credit score and was not supposed to pay for points and what did I see when I saw the closing statement? Points! My real estate agent who referred me to these people ended up paying for them because I was NOT going to do so. The point is I was lied to and promised things that did not happen. It was a complete headache with these people in the end and will NEVER recommend people to them. read more

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 in order to get our mortgage. At this point, We were forced to go with them, because otherwise we would lose our house and our deposit in escrow. I understand miscommunications can occur but the worst part of it was no one at Kal took any responsibility for us being forced into a higher interest mortgage when we had other options available-but didn't take-based on their promise. If anyone is considering going with them, I suggest going over all documents extremely carefully. And get everything in writing. read more

Kal Financial helped me purchase a home in 2018 when I was not being approved for the amount I needed by main institutions. They were able to consider assets and left no stone unturned to make sure I could purchase my humble SF home. Thanks Kal Financial!!! I'll recommend to my friends who are trying to secure a home in this tough town. read more

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. read more

As first-time homebuyers, my wife and I were quickly overwhelmed with the amount of information that we had to navigate in order for us to purchase a home. Kal Financial was referred to us by a friend and we cannot speak highly enough about our experience working with them. Our main point of contact was with Ryan who did a great job of walking us through the prequalification process which gave us an accurate snapshot of what our buying power was. Throughout the entire process, Ryan made himself available to us to answer the numerous questions that we had. Additionally, his turnaround time to provide prequalification letters was impressive and necessary as the majority of the houses we were looking at weren't on the market for long. Thank you, Ryan, for all of your help! We truly would have been lost without your guidance. Once we landed an accepted offer we were introduced to Jeanette on the Kal Financial team. Jeanette made this entire process smooth for us by providing a list of documents that we needed to provide, calling out areas of information that we were missing, and explaining the next steps/timeline throughout the entire process. Right down to coordinating with us for a time for a notary to come to our rental to finish the signing of the loan contracts. Thank you, Jeanette, for all of your help. I cannot speak highly enough about our experiences with the Kal Financial team. I've referred them to family and friends and will continue to do so in the future. Thanks again! read more

Great service! Rob helped me iron out a lot of sticky issues. Highly recommend. A lot of options and some smart individuals.

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 solar system (asked for after the loan had closed!) even though I told them that I bought the system and its not leased. If it was leased there would be a lien on the title and there wasn't one. Does anyone read the title search. Obviously not! Or how the loan was held up at the last minute because of a $17.57 credit card charge that they mistakenly viewed as a loan. Does anyone read the credit report? Did anyone see another loan on the report? Obviously not! Or the requirement that I needed to withdraw money from an IRA account and incur a taxable event, to prove that I have enough money to pay the loan. Obviously Not! Even though my total investment statement had an account value twice the amount of the loan. Sometimes I would send documents they specifically requested (like the screen prints of my online account) to prove the status of an account. Then days later I'm told that they were inadequate. Does anyone know what he or she needs? Obviously Not! Or the fact that the title of the property was to be kept in my trust and then both my current home and the new property were taken out of the trust with no notification or permission, and we had to take special action to return them to the trust. Did anyone read the loan application, where it states that the property should be titled in the trust? Obviously Not. The number of mistakes, miscommunications and screw-ups got so bad that I formally requested a reduction in the fee's. Did anyone respond to that request, Obviously Not! There were other examples but the last action really epitomizes how incompetent this whole operation was. At the completion of the loan, I was sent a address stamp, not for the new home, but for my current home, AND THE ADDRESS WAS MISSPELLED. They couldn't even spell my OLD address correctly. I will make it a point to communicate with my friends and neighbors to never do business with KAL financial. I recommend you stay away from them also. read more

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, I need to use an independent lender - meaning I have to pay an interest as high as 10.75% with a balloon payment after 3 years (or maybe 5 yrs). After my divorce is final, I can refinance with a reasonable rate. I was about to be homeless with my 2 dogs - too late to find any rentals/housing at that time. So I took the deal - that costs me maybe about $20,000 in interest for 6 months. He came back after 6 months - offering to refinance. Gutsy! Very Unprofessional! I am not ever gonna give you another business, UNLESS you can return my $20,000. Another slap in the face - he sent me a house warming gift. Guess to which address??? To my ex's house...... YIKES! Each individual who walks into his office is nothing but a money bag. That's how I feel. read more

If you work for refinance, they just take their own time, no response nothing, other side if you try to have a new loan/new customer they are very quick... Mine is initiated a month back, still he says 15 day lock, and done deal.. but never happens... read more

I decided to get my real estate license back in 2007, but almost as soon as I did the market fell and I never seriously pursued it as a career. Flash forward to 2011, and I was looking for a loan officer to help with a modification. David was professional and made everything easy, even answering questions about random nuances that probably weren't that important. He remained patient and I got through it easily. Overall, I recommend David at Kal if you need a loan modification, and I'll use him for other mortgage needs in the future. read more

I was pleased with David's and his team. David is great, along with Karla and Cathy. Their communications were good. I always knew what was going on with my loan. If you are looking for a good mortgage team, I recommend this one to you! read more

Kal Financial - Mortgage Brokers Near Me - Campbell, California

The team at Kal Financial are exceptional at providing proffessional and knowlegable services in our challenging market. They have provided solutions to complex lending situations that others were unable to acheive. I highly recommend David and his team for all your mortgage needs. David C. read more

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. read more

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 there were others behind the scenes but every single person was friendly and prompt with responding to our endless questions and anxieties. They worked really hard to meet our fast closing date and we're so happy to own our first home. I won't hesitate to recomend them to friends and clients and if I need this type of services again we will definitley be back. Thank you David and the Lawver Mortgage Team! Lindsay & Mark read more

David and his team have given us the best rates for every one of our 5 or 6 different home refi's. I checked the rates at the time and they came in the lowest consistently. Along with that was David's customer service- Professional, accurate and friendly. I recommended to a close friend who had no luck securing a loan because of his employment status try Kal Financial. The loan came through with flying colors. I would recommend this company everytime! read more

My husband and I met David through our real estate agent. David is very professional, friendly, knowledgeable and has a great team of people working with him. When he is not available, his team is able to communicate and respond quickly. During the closing process for our loan, we ended up in a situation that could have potentially cost us a lot of money. David went WAY out of his way to make sure the situation resulted in a positive experience for us, both financially and emotionally. I would highly recommend him to anyone. read more

"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 100% comfortable calling Daniel, Ashley and Karla with any questions. Daniel explained what to expect and everything happened just as promised. There were no surprises. He offered the best rate I could find and was very knowledgeable about the entire process. Ashley and Karla walked me through each step and explained what was going to happen and when. If I ever had a question, they were quick to respond so that I understood where we were in the process. Everything went through on time and at the agreed upon rate and amount. I look forward to contacting them for my next home purchase and won't hesitate to recommend them. Once again Thanks for everything Daniel Chalk, Ashley McClintock and Karla Balajadia!!" read more

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 were great. Got pre-approved for a mortgage, they helped me to improve my credit score, etc. etc. When I found a place I liked (new construction), I worked closely with my agent, KAL Financial, the developer -- all of it. I distinctly remember KAL Financial saying it was all do-able and that they'd be able to deliver. We even negotiated for a 60-day close period to give them sufficient time. They pulled together a package for me: not the best package (rate was really high), but they said it was the best they could do and I figured that I could re-finance after 6 months as my credit score improved. So my loan was conditionally approved and then we started working through the outstanding conditions. LITERALLY TWO WEEKS BEFORE CLOSE OF ESCROW, THEY CALLED ME TO SAY THAT THEY HAD TO PULL OUT. The reason? They had not accounted for some project-specific risk for the property that I was purchasing -- and they had to go back and re-review some documents and no longer felt that they could approve the project. (They needed Fannie Mae approval of the condo project - which I'm told wasn't likely to happen.) It had nothing to do with me, or my profile -- it was all related to the project being developed. The problem was that all of this was foreseeable and addressable - it's a basic question of competence. I would have much preferred if they had told me upfront that they didn't think they could finance the transaction -- at least then I would have been able to go find another lender. What did I do and how did it all finish? I had to scramble -- negotiated for an extension to the close of escrow with the developer and then looked for other lenders. I finally ran a parallel process with two lenders and got approved by both. The kicker? BOTH LENDERS NOT ONLY APPROVED MY MORTGAGE, BUT THEY ALSO OFFERED MUCH, MUCH BETTER RATES. THE LENDER I WENT WITH OFFERED ME A PACKAGE THAT HAD A LOWER RATE BY 1.5% AND NO POINTS FOR THE FINANCING COST. I'm signing the loan documents tomorrow and should get the keys early next week. Nuts, right? My advice? Don't be fooled by their frankly great customer service and friendly demeanour. And if you do choose to engage them - RUN A PARALLEL PROCESS. COMPARE THEIR PACKAGE TO SOMEONE ELSE'S. read more

While shopping around for mortgages, I ran into complications because of owning property abroad. As the other lenders made things more and more complex, I found that Kal Financial were more used to these situations and provided clear guidance and advise. Thanks! read more

I used David to get a loan on a home purchase. Overall I was not satisfied with his representation of my interests as part of this transaction. My areas of concern: He represented during the "sale" of his service about me having access to "in-house" and "market" lenders products without reservations and that I could choose based on rates and type of product desired. However at the time of the transaction, he would only proceed if I picked the "in-house" product the higher interest rate (significantly different from the market rate at the time). I was essentially cornered towards picking the in-house option in order to not delay closing on the loan. Another area I was mis-represented in my dealing with David was regarding the to float down the rate if the rates changed enough from the rates I locked into. However this was not provided. Also I was mis-represented to about the capability of float down being automatically triggered in the system, which was contradicted by his staff. Overall lots of mis-representation of facts/details about the process and options. Also I found David hard to reach during critical decision points, his staff is however very friendly and honest. I would not use him again for a home purchase. read more

We used Kal Financial when we purchased our home last year. They were recommended by our realtor.They did not meet our originally promised close date. They were 10 days late. We needed to close on the house as soon as possible because there was some repair work that needed to be done before we moved in. We did a rent-back on our previous house and had 3 weeks to finish repairs before we moved in based on the promised close date. We got excuse after excuse when I asked about why things were delayed. "We're waiting for the second signature." was the most-used one. Basically, they are foot-draggers once you pull the trigger. They will fall all over you to get you sucked into using them, then the tune changes. Fast-forward to earlier this year. I was interested in a refi since the rates had dropped a bit. I didn't know who else to call, so I called Kal Financial. Their rates on their site are great, so I figured I would give them one more try to get it right. You can't just call them or email them to get a rate. You have to make an appointment to have David Lawver call you. This is ridiculous. Then when you finally do talk to him, the rates are different from what are published on the site. When questioned about that, I was told that this is the rate he can offer me. One more thing about them that is worth mentioning is that one of the times I was supposed to get a call from him (this was an appointment set up by his assistant!), he called me 25 minutes early. I was not available at that time, so he left me voicemail. When I called back, I got his voicemail. Tried calling his assistant, got her voicemail. Game Over. read more

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. It appeared to me, that emails help avoid having to answer direct questions and Daniel could choose what to address. Client and I received many platitudes and promises. A week extension was given, final approval was due and Daniel would not return any of clients phone calls. I emailed Daniel, I was concern about clients well being and finally Daniel responded, no loan approval based on financial data they should have had from day one! Client was distraught by the experience and did not understand how a lender could say no issues, no issues, no issues and then no way jose. Reading the other reviews it sad to see the same points have been address since 2016 and still nothing has been done to change their way of processing loans. They openingly continue being dishonest, unprofessional; it definitely is not ignorance nor inexperience. My client loss the home of her dreams because she stayed loyal to Daniel's platitudes and believed in him. I am writing this review because clients are people who put their faith on professionals and as a professional it is our responsibility to serve our clients in the most ethical manner; we are in the driver's seat. How many individuals have they hurt emotionally and financially? It is plain wrong. read more

David's level of professionalism is extraordinary. I have known him for many years now and he has always had the certainty of a businessman you want to work with. Trustworthy and organized, he's direct with his customers and pleasant to work with. I wouldn't look any further than with him and KAL financial every time. read more

With all the chaos in the housing market, I needed to talk to someone that knew how the business works. I sought out Dave's advice which was very knowledgeable and insightful. Thank's KAL. read more

Looking to purchase a home and need a mortgage or a refinance? David will provide you with an accurate pre-approval and delivers amazing service without the hassle or feeling that you are just another customer. Davids attention to detail and industry knowledge has helped 100's of people get great mortgages in these tough times. Call him direct or visit him online to experience the highest level of service in the mortgage industry today. read more

David and team did a great job getting us a great refinance! We appeciate the weekly update calls and the personal attention. Thanks!

We were introduced to Russell Rivera at Kal Financial by our amazing realtor after my sister and I found a very lovely San Francisco home that was just put on the market. Before meeting Russell, we had a failed attempt at an offer to buy a different house a few years back and had felt discouraged by the whole ordeal. We met with Russell to discuss our desire to try again and buy another house in San Francisco's ultra-competitive housing market, and he spent a great deal of time explaining possible options for financing. Russell, along with his associate, Karla Balajadia, worked day and night through all the paperwork, making sure that they are all complete prior to submission to the mortgage company. He would call us every Tuesday afternoon to inform us of any developments and/or issues on the loan processing. He and Karla had also been very actively communicating with us through email on any additional paperwork necessary and the progress. Now I am very proud to say that our loan closed on our new dream home, and we are so grateful for Russell, Karla, Sean (our realtor), and the whole team for making this happen, and within the timeline promised. We totally recommend Russell and Kal Financial for any home financing needs. Thank you so much! read more

We recently worked with David and Jeanette on a refinance. When I became a bit discouraged with finding the right lender for us David talked me through and assured me that everything would work out. It did. We are very satisfied with the professionalism and follow through that we received throughout this entire process. Would definitely use them again. read more

David is an astute and knowledgeable mortgage professional. If you are buying or refinancing a home, you need a mortgage. More importantly, you need a mortgage professional. Call David Lawver at KAL Financial. I trust David enough to refer my friends and clients who need a home loan in California. Highly recommended. read more

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. read more

David Lawver was very helpful with my mortgage. He listened to me talk about my financial situation and goals, and creatively structured a set of two loans that fit my situation perfectly and allowed me to keep my monthly payments at a specified level. I was very impressed. After that, his staff was right on top of things. They made sure to communicate, pretty much daily, because we had essentially two loan applications going with two different institutions that had different requirements. They basically rode herd on the project and made sure everything was done on time for the chosen closing date. Excellent service. read more

This was our first time ever purchasing a home. We settled on using David and his team to purchase a home due to stellar reviews from a friend and the professionalism I saw from his team. Their communications were excellent, with same day response to all questions. They provided all the information we needed to keep us relaxed throughout the process. He and his team handled everything professionally and displayed exceptional patience with our first time buyer questions. I did experience some frustration when we weren't able to close as expected due to circumstances out of our control. However David and his team did an excellent job of making it up to me and really put in the extra effort to push everything through. I will recommend him to others without hesitation. read more

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 of this business, and make it as painless as possible on the customer. Let David and his team do the heavy lifting behind navigating lending for you. I worked for two large international banks for the last 20 years and I would not let anyone but Kal Financial put together the financing for my properties. Words cannot express the gratitude I have for David and the Kal Financial team. read more

Don and his Staff provided excellent customer service and assited us with the Mortgage tools and knowledge to purchase our Dream Home. They went above and beyond ****Highly Recommended**** read more

I had a great experience with Lawver Mortgage Team. I obtained a loan for my property through them, and David contacted me several months later and offered a better rate which was great! Karla was my main point of contact through the loan process and she was very professional and great at following up frequently to keep the loan process moving forward. I also appreciated the weekly status update calls, which no mortgage company or bank has done for me before. Even with our complex portfolio, no task was too difficult for them to take on. I will doing business with them again in the future. I highly recommend! read more

I met David thru my realtor and all I can say is that I love the whole team and how they worked with me. I had an easy wonderful experience from David and his team. They kept me up to date every week and communication was very easy. David was able to get me a better loan from what my bank offered me and even help me avoid paying PMI. On top of all the wonderful experience, they even want to help with my housewarming! read more

They are super responsive and keep you informed the whole way. No hassles with these guys and I have used them twice, once for an initial mortgage and once for a refi. They are also really responsive after hours, I have found, which is always a plus. read more