rates below the national average
Five-Star Ratings And 20+ Years Of Experience
That’s what’s behind California Mortgage Finder. Loan Officer Kevin O’Connor created California Mortgage Finder to help people find a better mortgage more efficiently and at a lower cost.
A Personal Partnership With You
We’re not like a bank or a call center mortgage lender. We’re a unique marriage of low rates and personal service. We offer mortgage rates below the national average, and our technology and service are second to none.
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Do You Offer One Point of Contact?
Yes. You’ll work with one person from beginning to end, so you’ll always know who to contact. -
What States Do You Operate In?
We specialize in offering both purchase and refinance mortgages in the state of California. -
Are There Any Junk Fees?
No. A quote from California Mortgage Finder is simple and easy to understand. -
Available To Answer Questions?
Absolutely! I love talking about loan products, rates, and anything else mortgage-related!
Communication
Communication with our clients is essential to our efficiency. From start to finish, you’ll be informed of what’s going on and what we need to do to close your loan. We strive to ensure we return all calls and emails within 24 hours.
Transparency
Our process has no hidden fees or upfront costs. Our quotes are clear, and the process from application to closing is transparent.
Dedication
We are dedicated to ensuring that the process exceeds your expectations. Sometimes, there are bumps in the road, and when that occurs, we handle it with professionalism and continued dedication to you our client.
Guidance
Helping you make an informed decision is part of our job. And our guidance comes from more than two decades of experience and a deep knowledge of underwriting guidelines and how the mortgage industry works.
Flexibility
Being flexible is a cornerstone of our success. We are flexible not only with our process but also with our time. If it works better for you to have a conversation after hours or over the weekend, just let us know, and we’ll make that happen.
Low Rates, Fast Closing, and Exceptional Service
Loan Officer Kevin O’Connor, founder of California Mortgage Finder, is a top-rated loan officer with over two decades of experience.
Quick Facts About California Mortgage Finder
Loan Officer Kevin O’Connor is the California Mortgage Finder. Loan Officer Kevin O’Connor is fully licensed with the state of California (California DRE #01499872) and the Nationwide Multistate Licensing System (NMLS #247447).
Mr. O’Connor works in association with JB Mortgage Capital, Inc., a mortgage broker licensed by the state of California (DRE #1836772) and the Nationwide Multistate Licensing System (NMLS #238036). JB Mortgage Capital, Inc. has an A+ rating with the Better Business Bureau. JBMC, Inc. has a triple “A” rating with the Business Consumer Alliance.
- If you choose to work with California Mortgage Finder (CMF), you’ll work directly with Loan Officer Kevin O’Connor, a 20+ year mortgage industry veteran. Our long-standing method of streamlined efficiency ensures your loan closes fast. That started with our original website (koloans.com), which was launched in 2006.
- Loan Officer Kevin O’Connor will be your direct contact from start to finish. You’ll never be handed off to an assistant or processor, and your primary point of contact will always be Mr. O’Connor.
- Mr. O’Connor’s industry partners are dedicated to offering mortgage rates below the national average, and we never charge any junk fees.
- He has five-star ratings with Google, Zillow, Yelp, and more.
- When you get a quote or apply with California Mortgage Finder, Loan Officer Kevin O’Connor is the only person who will contact you. We never sell your information to anyone.
- We work with homebuyers and homeowners with all types of credit histories and situations, from bad to excellent credit, including bankruptcies, foreclosures, and divorces.
K.O. Home Loan Solutions
In 2006, Loan Officer Kevin O’Connor launched koloans.com and was branded as K.O. Home Loan Solutions. In 2025, he migrated koloans.com to California Mortgage Finder.
Mortgage Loan Programs Offered
The following loan programs are for both purchase and refinance residential loan applications.
- Conventional (conforming)
- FHA
- VA
- USDA
- Bank statement mortgages
- Renovation loans
- Self-employed home loans
- Reverse mortgages
- Specialized loan programs (Non-QM, etc)
From first-time homebuyers to seasoned investors, California Mortgage Finder has the options to meet your mortgage needs.
Minutes To A Better Mortgage
California Mortgage Finder was created to help people find better mortgages more efficiently and at lower costs.
Once we have all of your documentation, we can usually provide an underwritten approval within 24-48 hours.
In as little as two to three weeks. That’s not the norm (25-30 days is the norm), but we can close your transaction quickly if everything is in order.
