Kal Financial

I liked everything about using David to close my loans. I refinanced 6 properties all at the same time and David got it all done for me. I have used him before in the past and will always use him. He communicated with me as needed. David always gives me the best advice and everything he says I trust. For me, David is the best loan officer. I always recommend him to anyone needing help.

They are super responsive and keep you informed the whole way. No hassles with these guys and I have used them twice, once for an initial mortgage and once for a refi. They are also really responsive after hours, I have found, which is always a plus.

I was pleased with David’s and his team. David is great, along with Karla and Cathy. Their communications were good. I always knew what was going on with my loan. If you are looking for a good mortgage team, I recommend this one to you!

TLDR; don’t bother with their services, seems like they are just there to rip you off and they delay and cause stress in every single step!
to describe — unprofessional, inefficient, disorganized, irresponsible
***UPDATE: I had to fill a survey in which I got David’s number; I tried contacting him thinking he might try to at least address the problem. Guess what! He seemed least bit bothered in hearing out the issues from their side, and supporting Rob! After all said and done, he asked me to send GFE and the mail correspondences so that he will look into it, and assured a response in a couple of days, and I still haven’t heard from him after about 2 months!***
I interacted with one Rob Pavley who by far is the most unprofessional, unethical, inefficient, irresponsible, horrible mortgage broker, who at every step caused issues and pain.
To start with, When my wife and I met Rob, who came highly recommended from my realtor, I felt he was going to screw us and mess things up. However my wife convinced me this was a better option since he came in highly recommended from my realtor and they have a good working relationship.
He always said going to mortgage broker is better, since they can provide more options, anytime I asked for other options, he would even refuse to give us the options, and the only «option» was the one he would suggest!
I always felt uncomfortable going with him, but agreed. He got our scores, gave us some numbers wasn’t the best, but thought it was decent enough. He gave us a Good Faith Estimate with those numbers as well. He said I could get better rate by fixing my credit score a bit (for which I had to pay) and took about 3 – 4 days for it to reflect. Well guess what, after the rescore, my interest rate supposedly jumped up by 0.35% and seems like he had taken sufficient time to make sure we had released the loan contingency (we had the loan approval by then), and that we couldn’t do much.
I then asked him over email why we weren’t getting what we discussed and as per the GFE and his response was that «he never discussed those numbers with me!!! or that I misunderstood him». I have emails with the GFE he sent with all the details in it! He was just outright lying and that’s what you get for trusting such a person. He’s just a big time liar and did this at every step for us!
When I told him about the GFE, he was just making some stupid statements to get out of it. and all this when my credit score jumped up a tier!
Also, the jump in the interest rate came at a cost, I had to put down more money for that, while my previous lower interest rate was at 0 points!
He promised that he will waive the points cost and that shouldn’t affect us in any way in our closing! guess what, he was lying again! We couldn’t close it on the day we were supposed to and he had to get things «confirmed» on the supposed day of closing and missed our closing date as well.
Everytime we had scheduled a meeting, I had taken off from work few times as well, and the time I met him, he would be doing the prep at that time, getting information and stuff which he should have done already and then waste our time during the scheduled time and once I started asking questions, he would say he doesn’t have time since he has another appointment! that’s just ludicrous and insane!
and his team, they never responded to my phone calls, would most times go to their voicemails, and never hear back from them! there were a lot of subtleties, wanted to call and get info, and that never worked.
All in all, the team was terrible and just ripped me off with my loan and not to forget the amount of stress throughout the process that messed my work because of all the unwanted stress that their team had me go through!
Rob and his team are the most incompetent people i had the displeasure to work with, they were giving inconsistent information, were very rude to us and incompetent in handling our loan docs, they expected to send all our confidential information over unsecure email, and when we sent it through a secure channel they didn’t even know how to open it, and just assumed we didn’t send them the document. Even at the end when we asked them where should we pay the loan to, they told us we have to pay a different finance institution when actually the loan was sold within a week to a different entity. I wish there is a way to report them and make them be responsible for their actions.
STAY AWAY from them!
I hope Unilocal introduces a negative rating system, since 1 star is far too much for them!

Would not recommend.
Over promised and under delivered on the rate and the close date. We got our house in the end so I suppose 1 star goes to that. They are disorganized, uncommunicative, and at times condescending. If you are looking for professionalism and timely service, I would recommend and established bank.
Take all reviews with a grain of salt, but they couldn’t pay me to change this one.

Excellent service, kind, responsive, knowledgeable. I’d highly recommend.

I had a bad experience with Kal Financial. I tried to refinance my home in January and it is now almost June and the transaction is still not complete. I would never go back to them.

There are a very few creative, «Out of the Box» thinkers out there and David and his team is one of them. David just gets it, I highly recommend him to your clients. Juliana Lee and I, send our clients to Kal Financial when we want to close deals.

If you work for refinance, they just take their own time, no response nothing, other side if you try to have a new loan/​new customer they are very quick…
Mine is initiated a month back, still he says 15 day lock, and done deal. but never happens…

My parents recomended the Lawver Mortgage Team to my husband and I because they helped them refi a few years ago and made the process really fast and easy. My real estate agent (Steven Owens @ Coldwell Banker) also highly recomended them.
Our first time home buying experience was made fast and as simple as it could get thanks to the Lawver Team. We initially met with David and were really impressed by his ability to make all the numbers work and his honest advice and professionalism. The customer service here was fantastic as well. We worked with David, Anthony, Maddy and Karla and I’m sure there were others behind the scenes but every single person was friendly and prompt with responding to our endless questions and anxieties. They worked really hard to meet our fast closing date and we’re so happy to own our first home.
I won’t hesitate to recomend them to friends and clients and if I need this type of services again we will definitley be back.
Thank you David and the Lawver Mortgage Team!
Lindsay & Mark

David Lawver and his team did an excellent job. The best customer service I have received from any firm in years!!!
As many people know getting a home loan can be a difficult process. David spent the time with me up front to spell out the process and set the proper expectations. After deciding to move forward I had the opportunity to work with Karla. She was awesome in every way! She stayed in constant contact with me throughout the process. I have already and will continue to recommend them well into the future. Thanks! Great Job!!!

David Lawver was very helpful with my mortgage. He listened to me talk about my financial situation and goals, and creatively structured a set of two loans that fit my situation perfectly and allowed me to keep my monthly payments at a specified level. I was very impressed. After that, his staff was right on top of things. They made sure to communicate, pretty much daily, because we had essentially two loan applications going with two different institutions that had different requirements. They basically rode herd on the project and made sure everything was done on time for the chosen closing date. Excellent service.

David Lawler and his team are great. This is the third time in 10 years I have used his team. They are excellent in communication, and very clear on whether they can help you or not. I appreciate their honesty and efficiency. I would highly recommend them!

David and team did a great job getting us a great refinance! We appeciate the weekly update calls and the personal attention. Thanks!

The Lawver Mortgage Team is one of my top rated and highly referred to mortgage brokers in Santa Clara County. Lawver Mortgage offers all the best rates on the market, a full suite of mortgage products, they typically can beat any competitors offer, no overlays, dedicated underwriting, no appraisal issues, and always close on time. This ranks high for me as a Real Estate Broker as I want to ensure the best for my clients. Thanks David for all the successful closings. Even better is they pay attention to the little things and provide top notch service to their clients.

David Lawver and his team were instrumental in our family’s recent home purchase. David was very knowledgeable. We had a million questions and he was able to answer them all.
We gave them a VERY short timeline to close and they not only met it, they had everything ready 2 days early! We will definitely be referring their office to all our friends and family. We couldn’t have been happier with our experience.

I had a great experience with Lawver Mortgage Team. I obtained a loan for my property through them, and David contacted me several months later and offered a better rate which was great! Karla was my main point of contact through the loan process and she was very professional and great at following up frequently to keep the loan process moving forward. I also appreciated the weekly status update calls, which no mortgage company or bank has done for me before. Even with our complex portfolio, no task was too difficult for them to take on. I will doing business with them again in the future. I highly recommend!

My husband and I met David through our real estate agent. David is very professional, friendly, knowledgeable and has a great team of people working with him. When he is not available, his team is able to communicate and respond quickly. During the closing process for our loan, we ended up in a situation that could have potentially cost us a lot of money. David went WAY out of his way to make sure the situation resulted in a positive experience for us, both financially and emotionally.
I would highly recommend him to anyone.

David and his team have given us the best rates for every one of our
5 or 6 different home refi’s. I checked the rates at the time and they came in
the lowest consistently. Along with that was David’s customer service–
Professional, accurate and friendly. I recommended to a close friend who
had no luck securing a loan because of his employment status try Kal Financial.
The loan came through with flying colors. I would recommend this company
everytime!

The team at Kal Financial are exceptional at providing proffessional and knowlegable services in our challenging market. They have provided solutions to complex lending situations that others were unable to acheive.
I highly recommend David and his team for all your mortgage needs.
David C.