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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Russell Rivera
Russell Rivera Main Office:
628 El Camino Real
San Carlos, CA 94070
Main Number: (408) 385-9710
Direct: (408) 426-1334
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.
Russell Rivera
Mortgage Advisor
NMLS# 967163

Direct (408) 426-1334
Fax (408) 258-0539

apply now!

With over 10 years in the mortgage lending industry, I have the experience, reputation and network to help my clients get their offers accepted.

I am a direct lender and broker to offer both speeds to close quickly as well as several brokered options to offer flexibility and variety, with a 5-star experience every time.

I offer creative thinking and have niche products available; I can find a loan solution to suit your family's needs and goals.

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Front-End Production Associates 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 David.

ashley mcclintock      
Ashley Hooker
Loan Partner 1



Contact-to-Close Production Associates Call regarding a loan in process
Our Closing Coordinators will be your point of contact once your file is with our Closing Department. They have years of experience and
will work hand-in-hand with our in-house processors and underwriters. They are dedicated to give excellent customer service. Their
top goal is to have a smooth process and to ensure that you will close on time.

t1 Cathy Caradonna t2   t3   t4  
Heather Ackard
Loan Partner 2


In-House Processing Team Call regarding a loan in process
  Leslie Hancock      
Leslie Hancock
Sr. Loan Processor