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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david lawva
Russell Rivera Carmel Office:
26135 Carmel Rancho Road
Ste. F15
Carmel-By-The-Sea, CA 93923

Main Office:
2542 S. Bascom Avenue
Ste. 130
Campbell, CA 95008

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.
Shane Valente
Sr. Mortgage Advisor
NMLS# 279284

Direct (408) 320-0876
Cell: (214) 507-5792
Fax (408) 228-0539

apply now!
We understand that purchasing your first home can be intimidating. Having Kal Financial on your side will make all the difference. Why learn by trial and error? You have a friend in the business! We will guide you through the process step by step.

Let us make this dream a reality for you. Home ownership is a lifetime commitment and we will be there for you every step of the way.

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 Daniel.

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


Contract-To-Close Production Associates Call regarding a loan in process: (408) 834-4571
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.

  Cathy Caradonna Karla Balajadia    
Cathy Caradonna
Loan Partner 2
Karla Balajadia
Branch Processing Manager


In-House Processing Team Call regarding a loan in process:
  Jeanette Hooker christy tran    
Jeanette Hooker
Sr. Loan Processor
Christy Tran
Jr. Loan Processor