This is the third time I have worked with Kevin. Each experience has been excellent. Kevin will get you the best rate available and take the time to explain every step of the process. He is very straightforward with his approach and responsive whenever I had questions. I will continue to use Kevin in the future and recommend him to any family/friends when they are in need of a loan officer.

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!

Most competitive rates, prices and closing time frames. 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!

It was a real pleasure working with Kevin on refinancing my mortgage loan. Kevin is very knowledgeable and worked with me every step of the way, making the entire process clear and easy from beginning to end. I particularly appreciated the fact that he quickly responded to and answered all of my questions literally overnight. I highly recommend him to anyone who is considering refinancing their mortgage; he is very courteous and easy to work with and very responsive to his clients’ needs. He made the whole process a pleasant experience. Thank you, Kevin!

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!

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

I have had the pleasure of working with Kevin as his closing agent for over 10 years! I admire Kevin greatly for the professional courtesy he has shown to my inside staff over our long tenure together. Kevin is a consummate professional that strives to provide the best service and guidance to his clients throughout the loan process. He is meticulous in this work and consistently maintains contact with us and his client throughout the transaction. I highly recommend Kevin for all of your mortgage needs. He is an absolute pleasure to work with!

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.

The Top 1% (of 1%) Of Mortgage Industry Professional! Working with Kevin was the unquestionably best mortgage decision, and resulting experience I have ever had. Kevin is a quintessential professional who you can count on to represent your best interest (no pun intended) at every turn. He is deserving of more than 5 stars. Thank you Kevin!

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

Kevin is an awesome loan officer. He helped me twice to refinance. He put extra efforts to help me to get my loans approved. In my case, he found ways to boost up my credit score to get a better loan rate. He knows well on what he is doing and he is sincere to help. I do appreciate all his works and efforts.

It is always a pleasure to work with Kevin. We have refinanced twice with him and each time he was on top of things. I never had to follow up with him. I would get regular updates from him. He would ensure we get the best rates and even advise on when is the best time to refinance.

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!

Napa Home refi Kevin was very, extremely helpful in our refinancing of our home. Looked after every detail, and made everything very simple. Crossed his I’s dotted his T’s and really made the process simple. Interesting when another rate came up lower, he contacted me to give me a better rate. That’s service I would definitely recommend Kevin

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.

Excellent customer service and money saving mortgages I am pleased to recommend Kevin and share my positive experience. I refinanced my home with Kevin, and the process was easy and resulted in significant monthly savings. Everything was done remotely, which was so convenient for my busy schedule. Paperwork was delivered for my signatures and then sent back to Kevin for processing. He stays in contact every year around the holidays, and would definitely work with Kevin again

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.

I really enjoyed working with Kevin. Purchasing a house is always stressful, and the last thing you want is to worry about your loan. I had so much confidence in Kevin. I had worked with him before on a refinance and had recommended him to my sister as well, and we just love him. He is super smart, patient, knowledgeable, and responsive. I totally recommend him to anyone looking for an easy-going and reliable mortgage lender.

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

I have had the pleasure of working with Kevin as his closing agent for over 10 years! I admire Kevin greatly for the professional courtesy he has shown to my inside staff over our long tenure together. Kevin is a consummate professional that strives to provide the best service and guidance to his clients throughout the loan process. He is meticulous in this work and consistently maintains contact with us and his client throughout the transaction. I highly recommend Kevin for all of your mortgage needs. He is an absolute pleasure to work with!

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.

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.

This is the third time I have worked with Kevin. Each experience has been excellent. Kevin will get you the best rate available and take the time to explain every step of the process. He is very straightforward with his approach and responsive whenever I had questions.

I will continue to use Kevin in the future and recommend him to any family/friends when they are in need of a loan officer.

As first time buyers, we had MANY questions throughout the process. Kevin was always incredibly helpful and patient with explaining details. We had a bit of a time crunch and Kevin took care of having everything done on time. We are so grateful for his services and highly recommend him to everyone!