Hi, this is Loan Officer Kevin O’Connor, and thanks for visiting K.O. Home Loan Solutions. I’m a licensed California Mortgage Loan Originator with JB Mortgage Capital, Inc., a top-rated mortgage broker in California.
I have over 17 years of experience helping homeowners achieve their dreams. My business is built on low rates, fast closings, and exceptional service.
At K.O. Home Loan Solutions, we’re here to help. Whether you’re buying a home for the first time, a real estate investor, or refinancing a current mortgage, we’re your ideal home loan solution. Contact me today if you have a question or would like to receive a quote.
Have a question or need a quote?
Read what homeowners are saying online.
Highly Recommended I have been dealing with Kevin for the past 7 years and He processed all my 3 loans smoothly.. Under promised and over deliver. I recommended him to several of my co workers without negative feedback... He always communicated with you any changes with the time frame.. Very professional and precise with the delivery of service.. Thank you once again for processing my mortgage loan..
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riggor29
Kevin O'Conner I have worked with Kevin several times over the years and each time he’s done a great job. Great communication, low rates and the transactions closed as promised (no surprises). I will be happy to refer my family and friends to Kevin in the future.
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Greg Cole
have used Kevin O'Connor for 2 refinance loans as rates changed. He is informative and straightforward. answered every question clearly. Kevin made the whole process as easy and comfortable as possible. NO surprises along the way. I would, actually do, highly recommend Kevin for purchase or refinance.
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S4oaks
Kevin did everything he said he would do, met every deadline and is a great communicator. I would highly recommend using him and I know we will use him continuously.
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Fredmayne59
Kevin provided superior service for my recent refinance. I've worked with many loan officers over the years and I would rank this experience as the best. Kevin's personalized service is what stands out. He takes the time to always keep you informed of where the process stands, and is always looking out for your best interest. Through him, I got the best rate and we got it closed within about a month's time. I couldn't have been more pleased. I highly recommend Kevin for your next mortgage.
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Gustav J.
I have refinanced several times over the years. My refi with Kevin O'Connor was the easiest ever. He communicated everything clearly. He answered every question I had quickly. I did my homework and checked rates etc. first. Kevin had the best rates as well as outstanding service. If this sounds too good... sorry. It REALLY was great. I highly recommend Kevin. He is very professional
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Douglas Jameson
We found Kevin’s company searching on-line, he had excellent reviews, a Five star rating and we now know why. Kevin is extremely professional and outstanding in the services he offers. We had such a hassle free excellent experience with Kevin for our home refinance. We Highly recommend him, we will be referring all our family and friends to Kevin at JB Mortgage Capital, Inc.
Tami & John
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Tami S
Kevin O’Connor Kevin O’Connor is as fine a person as I have ever engaged in any business dealing. He is honest, straightforward, kind, patient, and helpful; so helpful, in fact, that through two refi’s, he helped save us over 25% on our monthly mortgage. Can’t recommend him highly enough. A true professional, through and through.
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John Blitz
After looking at different lenders and doing some due diligence, we decided to go with Kevin. He provided us with the most competitive rates, prices and closing time frames. We began our refi adventure with Kevin in mid-January and closed mid-February. He made the process incredibly easy and straight forward. Kevin was outstanding in communicating with us as well. He answered all of our questions promptly and was always on top of everything. As the main contact for our refi, he was present every step of the way! He is knowledgeable and puts things into perspective for you. Kevin truly looks out for his client's best interest. We really appreciate all of his hard work and we would definitely recommend Kevin for any mortgage needs you may have. It was a pleasure to work with Kevin and we look forward to working with him again!
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Cindy A
Kevin is the BEST I have worked with Kevin a handful of times over the past 10 years. He is very knowledgeable, gives me many attractive options, is self-motivated and overcomes all obstacles to get the loan approved and funded safely, correctly and promptly. He contacts me when the time is right and without pressure allows me to make decisions on my timeline. I can’t say enough about how well my re-financings went with Kevin in the lead. I will continue to use him for all my mortgage needs.
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MKretsch
Just closed our refinance with Kevin and the process was smooth from start to finish. Kevin was great at answering all my questions and concerns promptly and kept me updated frequently throughout the process. This was our second time working with Kevin and I’m sure won’t be our last. Thank you, Kevin!
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Amy Vasquez
Very professional, efficient, thorough and fast! Based on reviews, I used Kevin O'Connor for the recent refinance of my principle residence. I must say that it was probably the best experience I've had among the many mortgage loans that I've done in the past. Kevin was able to secure the best available rate and we got it closed within about a month's time. But it was his personal service and attention to detail that stood out for me. He's always on top of things, keeping you informed every step of the way, and adjusting things on the fly for your benefit. I truly appreciate his service, and won't hesitate to use him for my next loan.
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gjoslin59
Kevin was recommended to us by a friend who had previously worked with him and my husband and I have now refinanced with Kevin 3 different times. He is absolutely AMAZING to work with. He is always on top of everything and keeps you updated through every step of the process. Anytime I had a question he was always quick to answer an email or a phone call. Anytime there was a drop in rates over the last year he would check in with us and let us know. I would highly recommend using Kevin if you are looking to refinance.
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Cheyenne S.
Highly recommend! We found Kevin’s company searching on-line, he had excellent reviews, a Five star rating and we now know why. Kevin is extremely professional and outstanding in the services he offers. We had such a hassle free excellent experience with Kevin for our home refinance. We Highly recommend him, we will be referring all our family and friends to Kevin at JB Mortgage Capital, Inc. Tami & John
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tamifoor
I will never use anyone but Kevin O'Connor I had worked with Kevin before when I refinanced approximately 10 years ago, and have kept contact with him since. I occasionally contact Kevin when I'm curious about interest rates and Kevin is always responsive, professional, kind, and knowledgeable about what's going on in the mortgage world. More recently, my husband and I bought another property and Kevin was able to get us a wonderful rate, walked us through every step, and was very patient with an abnormally incompetent escrow company. He won't make promises he can't keep, and worked extremely hard to meet my deadlines. I have recommended Kevin to my family members and they were so impressed with him. He is seriously the best!
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Lorraine Mendez
Excellent service! I have worked with Kevin for many years for both new loan and refi. He is very diligent in his work and has kept me updated in all stages of the process.
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zuser201707081610420
Kevin has been the most helpful loan officer I have ever worked with . We have done several loans/refis with Keven and every time he has come through with the best rates and service. have used Kevin O'Connor for 2 refinance loans as rates changed. He is informative and straightforward. answered every question clearly. Kevin made the whole process as easy and comfortable as possible. NO surprises along the way. I would, actually do, highly recommend Kevin for purchase or refinance.
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s4oaks
Smooth transaction during extreme times The lending process went smooth and easy, there were no bumps in the road. my personal time was considered during request of information. I have to say this was the easiest and smoothest transition. Thank you to everyone involved
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wastevent1
I am not sure it is possible to work with a mortgage person who is better to work with than Kevin O’Connor. Three years ago I wanted to refinance and I needed a co-signer to be able to do so. I had spoken with two other mortgage brokers and they told me they couldn’t do it for me. I was getting discouraged. I mentioned this to a friend who told me to contact Kevin and that he was great, having already helped my friend get a refinance. I did and immediately felt comfortable with him. He could not promise anything but he worked magic as far as I am concerned. Last year, when mortgage rates dropped, I wanted to refinance again. And again I needed a co-signer; this time a relative who can be a little testy and attitudinal. Kevin was un-phased and knew exactly how to work with him. We got another refi with a good rate and no points. Kevin is a great communicator, is willing to answer any and all my questions, always with an even and positive attitude. And he apparently really knows the ins and outs of the business and it is clear that he is committed to helping and doing the best for his people. He does. And like I said, I can’t imagine teaming up with someone better.
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Jr I O C
I closed a refinance of my principle residence with Kevin O'Connor recently. I have to say that it was probably the most efficient and quick closing that I have experienced among the many mortgage transactions that I have completed in the past. Kevin's personalized service is what makes the difference. He's always on top of it, keeping you informed every step of the way. He got me the lowest rate available and we closed in about a month's time. I won't hesitate to use Kevin again the next time I'm in the market for a new loan.
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Gustav J
Kevin is a true professional! Kevin assisted my family with our mortgage when we bought our house and multiple refinances as well. He is knowledgeable, professional, and treats me like i’m his most important client.
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J. Clark
Best Mortgage Lender Experience We've Ever Had! We've refinanced our loan two times through Kevin and each time he was honest, fast, a great communicator, and gave us a better rate than anyone else quoted. He worked hard to get us our best deal and stayed on top of the rates so we were able to get the lowest rate available at the time. Kevin will be the person we will go to if we ever decide to sell our house or refinance again!
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judie415
Awesome Service! Exceptional service and professionalism. Kevin is extremely knowledgeable and straight forward throughout the process. Always promptly reply to all my questions. Kevin gave me all the options and allowed me to chose how to set my loan up. The close process was very organized and fast, and the rate was very competitive. And the closing time, Kevin did some magic. I paid way less fees as compared to fees decided initially. I find him a very helpful person. I highly recommend him!
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Gaurav Singh
Excellent! I highly recommend Kevin O'Connor for home loans. Excellent service, hard work, always available and willing to patiently walk us through all of the complexities of buying a home. He got us the best rate we could have expected and used his knowledge and expertise to provide us with the best information possible to decide when to lock it in. Also, Kevin was up front and transparent about what to expect with closing costs and monthly payment, and both came in lower than we expected in the end. Bravo Kevin!
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mriney22
Expert guidance from a mortgage industry veteran.
Expert guidance from a mortgage industry veteran can help you navigate the loan process from beginning to end. Whether you are purchasing a home or refinancing a mortgage, I will provide valuable insights and guidance to ensure you have a smooth and efficient transaction. With each loan application, I am determined to find the lowest interest rate possible and the right loan program to meet my client’s long-term financial goals.
Conventional Home Loans
The most common home loan program at K.O. Home Loan Solutions is the Conventional home loan program. Conventional home loans offer great rates and can be used for purchase and refinance transactions.
Conventional home loans include Fannie and Freddie loan programs, specialty programs like jumbo home loans, and the bank statement home loan program.
FHA Home Loans
FHA home loans in California are an excellent option for those purchasing a home for the first time and/or those with less-than-perfect credit. The Streamline Refinance option is one of the best refinance programs in the industry.
At K.O. Home Loan Solutions, you’ll find a wide range of California FHA home loan products, including the Streamline Refinance and Renovation loan program.
VA Home Loans
VA home loans in California offer our veterans, surviving spouses, and active duty service members a great opportunity to get below-market interest rates and the option of a zero-down home loan program.
K.O. Home Loan Solutions is proud to offer the California VA home loan program, and we look forward to working with those who qualify.
2025 Conforming Loan Limits
The 2025 conforming loan limits are higher than last year’s limits. Check your county today using our easy-to-read 2025 California conforming loan limit chart, where we list each county in California.
Here at K.O. Home Loan Solutions, we offer a wide variety of conforming loan products from both Fannie Mae and Freddie Mac. Low rates and fast processing times!
We stay on top of the latest industry news.
By staying on top of the latest industry news, we’re able to discover new opportunities for clients of K.O. Home Loan Solutions.
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