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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Tracey Starback
Starback Mortgage Team
Team Starback:
26135 Carmel Rancho Road
Ste. F15
Carmel, CA 93923
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.
Tracey Starback
Sr. Mortgage Advisor
NMLS# 308259

Direct: (408) 529-5574
Fax: (408) 228-0539

apply now!
Tracey Starback is a senior loan consultant and mortgage planner for Kal Financial, located in Campbell, California. She has 28 years of experience in the mortgage industry with extensive product knowledge and a sincere dedication to her clients.

She began her mortgage career in 1989 in wholesale, where she worked in all levels of operations including underwriting. Her experience as an underwriter has been an invaluable resource in her ability to structure loans, calculating income, and working out any possible issues before getting the loan in front of the underwriter who ultimately makes the decision to approve or decline a loan. Tracey approaches every transaction with care and in a mode of discovery. She listens to each client and gains the understanding of their short-term and long-term goals. She then provides customized loan options that match well with their risk tolerance and time horizons. She is enthusiastic in her approach with her clients yet her years of experience, offers a “calm - confidence” to each transaction. She is in this business to help people achieve their dream, or reduce their overall debt. Her sincere desire is to have each client walk away in a better position and experience an easy transaction.

On a personal note, Tracey enjoys spending time with her daughter, friends and family, along with learning to play the guitar and exercise. She is passionate about health and fitness and enjoys hiking, biking and weight training.

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.

Cathy Caradonna Annie Russell    
Cathy Caradonna
Loan Partner 1
Direct: (831) 801-1105
Fax: (408) 519-7096
Annie Russell
Loan Partner 2
Direct: (831) 566-3874
Fax: (408) 519-7096