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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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
russ@kalfinancial.com

apply now!


As the SCCAOR 2015 Affiliate Chair and Young Professionals Network Vice-Chair, I have the experience, reputation and network to help my clients get their offers accepted. 

With creative thinking and niche products available, I can find a loan solution to suit your family’s needs and goals.

 

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.

ryan leeder      
Ryan Leeder
Loan Partner 1
Direct: (408) 385‐9711
NMLS# 963519
ryan@kalfinancial.com


 

 

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 Karla Balajadia t3   t4  
Cathy Caradonna
Loan Partner 2
Direct: (408) 385-9710
Cathy@Kalfinancial.com
Karla Balajadia
Branch Processing Manager
karla@kalfinancial.com

 

Business Development Team Call to schedule an appointment with David, learn about our valuable resources, or become
part of our “referral network”: (408) 834-4571

 
Jolene Suggs        
Yolette Nunez
Dialer
Yolette@kalfinancial.com