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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adam o'donnell
o'donnell mortgage team
Main Office:
620 El Camino Real
San Carlos, CA 94070
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.
Adam O'Donnell
Sr. Mortgage Advisor
NMLS# 207165

Direct (650) 464-9019
Fax (408) 228-0539

apply now!
With over 17 years of experience as a Big Bank Lender, a Mortgage Broker, and Mortgage Banker I've been able to gain valuable experience and can say without reservation being a Mortgage Banker provides the greatest flexibility when serving the needs of our clients.

As a mortgage banker, Kal Financial originates, underwrites, and funds loans with its own capital, maintaining control of the entire loan process. At Kal Financial we offer a full-range of competitively-priced loan programs and are knowledgeable in lender guidelines so we can match the best loan program to each client’s unique situation and needs. Our underwriters are experts in local markets and we fund loans in-house, maintaining complete control to ensure fast turn-times and a smooth loan process.

Please contact me to learn how I can help you with your real estate financing needs at
(650) 464-9019 for a free, personalized consultation.

Why wait? Let us go to work for you!

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 Adam.

  ashley mcclintock Karla Balajadia    
Ashley McClintock
Loan Partner 1
Heather Ackard
Loan Partner 2