Trusted throughout the community, the Kal Financial Team 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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Ryan Leeder
Bay Area Mortgage Team

Main Office:
2542 S. Bascom Avenue
Ste. 130
Campbell, CA 95008
Toll-free: (877) 271-4212

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.
Mark A. Harris
Mortgage Advisor
NMLS# 1406936

Direct (415) 519-6275
Fax (408) 228-0539

apply now!
Mark has a passion for people and helping them to achieve their dream of homeownership. He is a committed professional that goes above and beyond to make sure his clients make educated decisions after presenting all the available options.

Mark is solutions oriented and makes the mortgage process seamless. As someone that has been through the real estate process in San Francisco several times, he understands what it’s like to depend on great service and knowledge professionals to navigate the challenges of this market.

Mark has lived in San Francisco for 18 years and is the single father of a teenaged daughter. He shares his love of horses with his daughter and spends weekends in Sonoma with 4 miniature donkeys and one very spoiled miniature horse named Lily.

Loan Team Partners Call to pre-qualify and set a pre-qualification appointment: (877) 271-4212
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 Tracey.

Coleena Kate Lugo    
Loan Partner 1
Direct: (408) 412-7340
Fax: (408) 519-7096
Kate Lugo
Loan Partner 2
Direct: (408) 688-0180
Fax: (408) 519-7096