Trusted throughout the community, the Kal Financial is a proven source providing clients with the highest quality financial services combined with the guaranteed lowest rates available in your area.

Purchasing a Home? Need to Refinance? Consolidating Debt? We Approve.

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. Through the use of sophisticated pricing technology, we are able to provide you with the ability to see the best rate for your mortgage needs anytime. Our outstanding mortgage professionals work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.


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Ken Baker
Baker Mortgage Team Main Office:
2542 S. Bascom Avenue
Ste. 130
Campbell, CA 95008
Main Number: (408) 316-4562
Our team will personally guide you through all the pricing options for the type of loan you seek. Once your loan begins with us, you will be able to check your loan status every step of the way.
Ken Baker
Sr. Loan Consultant Mortgage California
NMLS# 526877

Direct: (831) 915-3244

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Ken Baker has been in the mortgage industry since 1993, and his extensive professional experience along with his attention to detail makes him a valuable asset to Kal Financial. Ken has been a member of our elite President’s Club for 15 consecutive years, which is not surprising considering his background. In addition to a degree in Business, Ken has real estate licenses in California and Florida, a Series 6 and Series 63 Financial license, and California Insurance License.

His extensive understanding of the real estate industry, market, and finance make him one of our most knowledgeable loan officers. What really sets him apart, however, is his meticulous attention to detail, efficiency, accuracy, and personal care for his clients throughout the process.

Ken’s skill set and his association with Kal Financial make him the ideal choice for assisting you with your home loan needs.


“I have worked with Ken through two home purchases and he has been a pleasure to work with. Apart from being professional, organized, and efficient, he has made each experience both painless and flawless. I highly recommend Ken Baker."

– Rebecca Carrillo

”I’d like to take a few moments to comment on Ken Baker’s help in securing a mortgage on our new home in Carmel. The paperwork required by underwriters is often overwhelming, and without the calm efficient help we received from Ken, I don’t think we would have been able to close. Professional, compassionate and understanding. I would recommend his services to anyone thinking about obtaining a mortgage in Carmel and the surrounding areas.”

– Lenny Sutton, Owner of “The Inn at Kulaniapia Falls”

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Loan Team Partners  
Our Front-End Production Associates are the first point of contact for our borrowers. They will help them through the qualifying part of the transaction – prescreen the loan application, gather all required information and documents and set an appointment with Mary.

Cathy Caradonna Annie Russell    
Cathy Caradonna
Loan Partner 1
Direct: (831) 801-1105
Fax: (408) 519-7096
Annie Russell
Loan Partner 2
Direct: (831) 566-3874
Fax: (408) 519-7096