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.

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!

Kevin O'Connor I have used Kevin a couple times refinancing my home and each time he has been extremely helpful, professional and informative. To this day, if I were to have questions, Kevin has always made himself available to honestly answer all my questions, looking out for my best interest.

We have refinanced 2 properties with Kevin O'Conner within the last year and in each transaction Kevin was always on top of the situation. He was responsive when we had questions and explained the process very well. He knew what rates we were looking for on the second re-fi and called us as soon as the rates had dropped to start the re-fi. That's very pro-active. We would highly recommend using Kevin for any of your mortgage loan needs.

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.

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.

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!

I'd like to thank Kevin for providing a great experience for a prospective first-time homebuyer. As a self-employed person, I've faced some challenges with applying for a home loan from the traditional big banks. On our phone call, Kevin was very kind and took the time to listen to my specific situation and challenges. Soon after our call, he crunched the numbers and provided me with some very helpful insight. After talking with Kevin I feel like I have a plan in place to apply for a home loan and once I'm ready I'm looking forward to reaching back out to Kevin and JB Mortgage Capital, Inc. Thanks again Kevin!

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.

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.

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.

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.

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!

Did an outstanding job. 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.

A Happy Repeat Customer Kevin is incredible. We've done several mortgages with him, and he is always extremely informative, walking us through the process and patiently answering our (all-too-frequent) questions along the way. He is very proactive--there will be no surprises--and will communicate ahead of any documents being sent out or communications coming from the lender. Kevin is professional, courteous, and very knowledgeable, and after working with him many times over the years, we certainly trust his judgment, insight, and advice. We have no reason to look elsewhere for our mortgage needs, and enthusiastically and highly recommend him.

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

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!

You can't go wrong with Kevin Kevin was incredibly easy to work work. This guy is a straight shooter all the way. He takes the time to explain everything to you and I truly felt that he gave me advice that was in my best interest. I know I am just reinforcing the rest of the 5 star reviews he has, but I am happy to add one more. I will continue to use Kevin in the future!

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

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.

Kevin O'Connor Kevin was a pleasure to work with. He was well-informed, meticulous, and very patient with all of my questions. He walked me through every step so I 100% understood every line items on the mortgage. He was very upfront and clear. You are in good hands with Kevin.

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!

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