My wife and I had an incredible experience working with Mark to secure our mortgage as first-time homebuyers. From the very beginning, Mark was honest, friendly, knowledgeable, and genuinely kind. What stood out most was his ability to solve problems--whenever something complicated came up, he found a way forward and made what can be an intimidating process feel much more accessible and manageable. Mark is also an exceptional communicator. He was responsive and available whenever we needed him, no matter the hour, and we always felt like we knew exactly where things stood. It's rare to find someone who combines this level of expertise, integrity, and genuine care for his clients. We couldn't recommend Mark highly enough and are incredibly grateful for everything he did to help us purchase our first home. We already know who we'll be calling when it's time to refinance! read more

Mark works quickly and helped my wife and I close on our home that required some out of the box thinking. We appreciated is help so much, we referred him to my mother in law who is now in process of purchasing a home with him. Thanks for everything! read more

Mark is incredible. We had a deal that was pretty difficult. He worked with the buyer and her agent to buy a property I had listed. His tenacity, communication and drive to make it all work was fantastic! Without his help, I believe this incredible buyer would not have bought her dream home!! read more

Mark was referred to us by another real estate agent and I took the chance and I am so glad I did! Mark worked really hard on our somewhat complicated loan situation. He was always available, always cheerful and pleasant and by the end of it all I felt like he was a friend! I can't recommend Mark enough. Personable and hard working, what more could you want? read more

We had an outstanding experience working with Mark Harris. He made the entire mortgage process feel seamless and easy to understand from start to finish. Mark took the time to walk us through our options, answered every question with patience, and helped us choose the solution that was right for our family. When we decided to make an offer, he was incredibly responsive and moved quickly to ensure everything was in place. His expertise, communication, and dedication made what could have been a stressful process feel smooth and manageable. We highly recommend Mark to anyone looking for a knowledgeable and trustworthy mortgage lender. read more

I can't recommend Mark enough! As a first time homebuyer, Mark was incredibly helpful from our first call until our house closed. There wasn't a point in the process where we were unclear about what was going on or what was needed. As we were closing we had a hard deadline since we were leaving the country and he stayed on top of the title company to ensure we closed on time. read more

An incredible experience from start to finish! Working with Mark was an absolute pleasure. Buying my home in Joshua Tree was a huge milestone, and Mark made the process smooth, stress-free, and even enjoyable. He was professional, knowledgeable, and always quick to respond -- no matter how many questions I had. What really stood out was Mark's genuine care and dedication. He went above and beyond to find the best loan options for me, guided me through every step with patience, and made sure everything stayed perfectly on track for closing. I always felt like I was in great hands. If you're looking for a lender who truly looks out for your best interests and treats you like more than just another client, Mark is the one you want on your team. Thanks to him, I'm now the proud owner of my dream home in Joshua Tree! read more

As first-time home buyers, my wife and I had no idea what to expect, and Mark did a wonderful job of breaking this otherwise complex process down in a clear and approachable way. He was incredibly patient with my many questions (some of which were probably pretty basic) and clearly enjoyed explaining how everything worked. We always felt like he had our best interests in mind, and we completely trusted him to handle everything needed to get our loan done right. We're so grateful for his patience, professionalism, and kindness, and we'll absolutely be turning to him again for any future refinancing or mortgage needs. We'd highly recommend Mark to anyone looking for a mortgage broker who genuinely cares about helping people through the process. read more

Mark is the best! He helped me with a recent purchase. We had a lot of hoops to jump through and little issues come up through the sale and he managed all of them! I truly don't think this loan would have been possible with anyone else! I highly suggest you call Mark because he will get you the best deal and he is also the nicest human! I am so lucky I found him! read more

Huge thank you to Mark and his team for making what could've been a very stressful process, simple and seamless. Throughout the whole process I felt prioritized and completely looked after. He was available for all questions and made sure I understood the entire process as we were going through it. He is also made himself available even after closing on our dream home. I cannot recommend him enough. read more

Mark is the kind of lender that real estate agents like me can count on to get our clients through the rigorous home buying process here in the Bay Area. He epitomizes professionalism, persistence and thoroughness, while being a great person to work with. He's a genuine champion for clients, super competent and knowledgeable, and takes the time to answer clients' concerns with patience and care. If challenges arise, he's right there with ready solutions. It's great to have a partner that reinforces the values that I bring to the client experience. Thank you Mark! read more

As first time home buyers and novices to financing options, Mark was able to guide, mentor and empower us with detailed and accurate information in a prompt and efficient manner. He coached us through the nuances of financing and strategizing offers with specificity to the listing and worked in lockstep with our realtor. He provided clear instructions and outlined next steps. He was able to help us navigate creative ways to increase our down payment and also advised us well on minimum down payment percentages and corresponding estimates of monthly payment. In a year that was rough for real estate and financing, at no point in time did we feel that pressure or feel rushed in any of our decision making. It always felt like Mark was looking out for us and wanted to move forward only if that's what we wanted. Based on what other financiers were offering we know that his rates were the lowest and at all times we had full visibility and transparency into what payments were expected from us, and what the timelines and requirements were. We are now first time home buyers and highly recommend Mark and his team for financing and re-financing your next/current home. Given our specific needs and financial constraints, we needed to buy when the rates were high, and bidding competitors were scarce, and I'm confident we'll be in good hands when it comes time to refinance our home and optimize our payments. read more

From start to finish, working with Mark Harris and his team was an absolute pleasure. They were not only highly professional and knowledgeable, but they also brought a personal touch that made me feel genuinely supported every step of the way. Mark and everyone involved showed genuine dedication to making things happen quickly and efficiently. I wholeheartedly recommend Mark Harris and his team to anyone looking for an efficient and caring lender. They don't just deliver on promises--they exceed them. Thank you, Mark, for making this homebuying journey such a positive experience in a tumultuous time of my life! read more

Went through several lenders, and had difficulties finding one that would work with my employment history as a recent grad. My realtor recommended this gem of a business, and I couldn't be happier to have been referred. Mark went above and beyond when it came to helping me get my loan approved, and handled my case diligently. Will 100% recommend Intention Financial Group to family and friends when needed. Thanks for all your hard work and help Mark! read more

Without Mark, I guarantee our loan and house would not have happened! He is an absolute superstar in helping us find an appropriate product for our needs, communicating, supporting us, navigating through the process, and highlighting what is most important. He made our dream house come true! He was up-front throughout the journey and he literally went above and beyond to creatively find a solution in dealing with the mortgage company, previous owner(s)/seller/agent, solar company, etc. (and us). He is truly an expert in mortgages. Again, I cannot state enough that he is an absolutely trooper and we are extremely lucky to have worked with Mark. Closing was on-time within 30 days (despite interference from 2 major holidays) and our rate was lower than expected. He was available to answer any questions we had by email or iMessage - even at odd hours, weekends, and holidays. I can't say enough that it was an awesome experience working with Mark has been and he is very, very highly recommended by my spouse and I. Thank you Mark! read more

Mark was a lifesaver. As a first time home buyer in such a crazy market, Mark was a massive help. We closed so fast and he was able to walk me through everything along the way. Cannot recommend him more! read more

If you are looking for a lender, look no further! Mark is fantastic! He was prompt to respond to our inquiries, great at explaining the next steps within the process, and when we ran into difficulties, he had multiple plans to make things work for us (and he did!). So grateful for his help and cannot recommend him highly enough!! Thank you, Mark!!! read more

Amazing experience working with Mark. Very difficult situation with clients and Mark expertly navigated it the entire way - even when interest rates were rising, Mark stayed the course and got our clients the best rate possible. Mark is kind and patient and incredibly knowledgeable on the world of home mortgages. He is a fierce advocate for his clients and fights tooth and nail to secure them the best rate. Not only do I look forward to working with Mark again, I welcome any challenge that may come our way - with Mark on your team, you're going to walk away feeling like a winner every time! read more

What you need to know about Mark Harris is that he will do whatever it takes to find you the loan that works and fits for you. My deal was complicated in that I was buying a short term rental in another state as an investment. We had some hurdles that were out of our control and Mark's approach to those hurdles was "we will figure this out." He did not offer me the first loan that I qualified for, he shopped, he asked questions, he researched, he gave me options and we landed on the perfect loan structure with a rate better than I expected and we closed on time. He flew to Florida from California to be at the signing and to see the property for himself. It will always be Mark that I call now that we have done two successful, quick, painless loans. read more

As a young, first-time buyer, Mark couldn't have made this experience easier, more smooth, and enjoyable. Being in my early 20s, I had no knowledge of this process at all before August. Since working with Mark, he went above and beyond and spent a lot of his time making sure I understood everything when it mattered. He even helped us close ahead of time, before estimated closing date! His expertise and his attention to detail, along with working in a timely manner made this even possible and achievable. read more

My girlfriend and I just recently purchased our first house and it wouldn't have been such and easy process without Mark! Anytime of day when i had a question or was just unsure about certain documents Mark was there with an answer right away. Being a first time home buyer is by no means an easy process and is very scary but having Mark's support we knew we would get through it and that he would have our backs along the way and I would recommend him to anybody who is in the market! read more

Mark and his team were fantastic! This was my first time buying a home and getting a mortgage, so I didn't know what the hell I was doing. And to make Marks life more exciting, I was doing a private sale so he got to deal with my amateur hours and fire drills when it came to our paperwork and payments, but he rolled with the punches. He took all the time I needed to explain what needed to be done and why. When it was all said and done I got a great interest rate and every thing the Kal team needed to do was done on time. HIGHLY RECOMMNEDED! read more

My husband and i are first time home owners and were looking to refi. A couple companies ghosted us, our mortgage co gave us a ridiculous rate with lots of fees.   My mom recommended Mark Harris. It was such a GIFT. His team at KAL Financial was amazing through the whole process. He got us an excellent rate, moved the process quickly and when we hit a roadblock they were patient and walked us through every step. i  felt welcome to ask anything and they were available and timely when i needed help. We are so happy with Mark, Jeannette, and Ryan. Excellent customer care. We will be recommending them for anyone buying or refinancing. We felt like family! This is our "shout from the roof tops" praise!! read more

Mark, Ryan and their team did an incredible job working out a mortgage loan for my family and me. We just relocated to the US and the process to get a loan was hard work. They explained everything to me and provided best service. I highly recommend working with them read more

As a Real Estate professional in the industry for over 23 years, I realize the value and importance of being able to refer the right lender to your clients. Mark is the ultimate professional and working with he (and his colleague Ryan) on many transactions has been seamless. Mark is thorough and hands on with my clients, he is so knowledgable of the industry and is always going above and beyond. He is my go to lender and has been able to help several of my clients with very challenging and unusual financial situations. I have complete trust and confidence that when I send my clients to Mark they will be pleased with their experience and He will get our transaction closed! It's such a pleasure working with you Mark! Teryl J. read more

Mark, Thx for the information. Not sure why both of you have the same business names but I had no idea about that. Suggestion: One of you change the name to avoid such errors. read more

Wow what a stellar experience working with Mark and Ryan. I represented a couple purchasing in Bernal Heights and we needed a hassle free, QUICK CLOSE. To say they delivered above and beyond what is expected from a lender is an understatement. By far, one the best experiences we (clients and I) have had. Even if you're curious to see what they can offer, give them a call. Thanks again Mark and Ryan! read more

Buying a home in the Bay Area is unlike anywhere else... As a real estate agent I hold myself to a high standard for my clients and expect anyone I refer, to do the same. Mark Harris delivers just that and then some. My clients rang him on a holiday and he answered the phone!! They then dropped the bomb that offers were due the very next day at 2PM. Amazingly I had all the documents required the morning of in order to deliver the offer on time. He sincerely listened to my clients needs, familiarized them with each step of the process and made time to answer all their questions. At no time did he rush or make them feel pressured. For me, as a professional, nothing is better than working with a pro who is local, fast and keeps their word to make for the best experience. read more

Mark is one of those guys you just want to have on your side. He is responsive, energetic, positive and a thorough educator. Various lending products can be overwhelming and complicated and Mark will take the time to sit down and discuss them so they make sense to you. He will go to bat for his clients every time and do what it takes to get the deal done (& done as smoothly as possible!). He has a great team around him as well so you're always in good hands. read more

Let me be SUPER clear. You can't find a more thorough, compassionate, supportive broker than Mark (and his colleague Ryan)...these guys bent over backward, got some incredibly creative and out of the box thinking on the table and helped me finalize my dream of being self-employed and STILL being able to refinance with cash out. I've gotten at least 5 mortgages in my life....ALL of them horrible experiences. But, Mark has me convinced there are ethical, smart and knowledgeable brokers that are on MY side! I'm so grateful to you and your team, Mark. Thank you, thank you, thank you! read more

Mark is a miracle worker! He is dedicated to his clients and make the seemingly impossible, possible! We enjoyed working with him on our refinance. He explained every step of the process and did everything he said he would do. We found his support team to be friendly and professional as well as extremely knowledgeable! He highly recommend Mark and his team for your mortgage needs! read more

Mark is a fantastic lender to work with. Mark is hyper responsive and he and his team get things done, even for more challenging loans. Mark and team clearly go the extra mile to ensure clients have a great experience end-to-end. I look forward to my next transaction with Mark and team. read more

Both Mark and Ryan were super to work with and helped make our dreams come true of owning a home in Napa. They both went beyond their duties in assisting us move the document collection process along. Thank you! read more

We recently had the distinct pleasure of working with Mark Harris to refinance our home. We were nervous since our previous experience with home financing was complicated and confusing. Mark made this process seamless. He was very professional, attentive, easy to reach, and friendly. He answered all our questions and put us at ease. We would highly recommend Mark for anyone looking to buy or refinance their home. He is truly a great guy and very knowledgeable. Thank you Mark for your kind patience and all the effort you put forth. We are extremely grateful. read more

Mark and the team at Kal Financial made my mortgage process a breeze. They really handled and tackled every obstacle that came up and always kept me informed with what was going on. Mortgages today are definitely tricky, but they made sure I didn't have to worry about it! A big thanks! read more

We recently collaborated with Mark Harris to do a cash-out refi on our home. We were so impressed with his attention to detail and constant communication. And the best part, he was able to refinance our home into a 15 year loan, from 27 years remaining, get us a substantial amount of cash out, and only increase our payments slightly. We didn't even know this would be an option! He gave us multiple scenarios with clear explanations helping us to make the right decision for our needs. We are now able to use the extra money for remodeling projects and pay off credit card debts. We have been recommending him to all our friends and family. Mark is truly an awesome guy. Thank you again Mark for making this experience very easy. The turn around time was incredibly fast. Looking forward to working together again very soon. read more

If you are looking for a wonderful lender who is not only knowledgable but a pleasure to work with, look no further than Mark. As a Realtor, it is difficult to find a lender who is reliable, punctual and communicative. Home buying is a stressful process for clients and he was with them every step of the way, answering all of their questions and easing their stress. Mark was also able to foresee certain speed bumps which allowed my clients to be prepared which allowed them to feel comfortable. He works quickly and efficiently which is an absolute must in this business. Mark will be the lender that I always prefer to work with. I know he will go above and beyond throughout the transaction and it will be a wonderful, fun experience. read more

It was such a pleasure working with Mark and Ryan as first time homeowners. Since our initial meeting, we felt very strongly that Mark and his team were on our side and would do whatever they could to answer our questions and help us through the process. Getting a mortgage as first time home buyers was a tricky process, but Mark and Ryan were amazing the whole way. They were constantly in contact and providing updates the entire time. Even if we were feeling nervous for no real reason, they would jump on a call with us just to calm our nerves. They supported us in so many ways. I would not hesitate at all, to work with Mark and Ryan again! read more

This was my first home buying experience and Mark and his team made it incredibly smooth and easy. From the start Mark thoroughly answered any questions that I had. He explained the next step, or two... or three, as what to expect next, and would always respond promptly via phone or text to any off-hour questions. Mark and Kal Financial processed all of the financial requirements so quickly it was incredible. Even with a very short proposed close, Mark was able to close a few days earlier than originally expected. Without his help, I may not have been able to secure the home I have today. I can't say enough about what a positive experience it was working with Mark and his team. They were all an absolute pleasure to work with! Very highly recommended. read more

"My husband and I had a very positive experience working with Mark Harris. Buying a new home is a complicated and stressful process, and he made the day-to-day intricacies as simple and clear as possible. He was very communicative and available to answer all of our questions. Mark never made me feel as though my questions or concerns were unimportant. He provided options on types of loans in an effort to get us the best deal possible and walked me through the pros and cons of each. He worked quickly, efficiently, and with great dedication on our behalf. When my husband and I re-finance down the line, we will absolutely be going through Mark. I highly recommend him. You won't find a friendlier or harder working loan agent than Mark Harris. " read more