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.
Ryan Leeder
Mortgage Advisor
NMLS# 963519

Direct (408) 459-8544
Fax (408) 228-0539

apply now!
Ryan Leeder is a seasoned mortgage professional, getting his start by supporting one of the top mortgage advisors in the country. He has worked on 1000+ transactions over the past 5 years, developing valuable skills and gaining a wealth of knowledge working on some of Silicon Valley’s most unique and difficult loans.

Ryan grew up in Wisconsin in a family of mortgage and real estate professionals and has always felt at home in the industry. He is proud to now call the Bay Area his home for the past 11 years. Ryan has also worked as a professional caddy (he’s a golf enthusiast), catering to executives and honing his interpersonal skills.

The client experience and proper execution is truly Ryan’s priority when it comes to his business. Ryan enjoys spending time with his fiancé, his two dogs, and of course playing golf. He graduated from San Jose University and has dedicated his time since graduation to becoming a leader in the mortgage industry.

Ryan really looks forward to helping you achieve your homeownership goals.

Contract-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.

  Kate Lugo      
Kathryn Lugo
Loan Partner 2


In-House Processing Team Call regarding a loan in process
  Jeanette Hooker      
Jeanette Hooker
Sr. Loan Processor