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.
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.
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fredmayne59
Amazing Customer Service Experience Kevin was awesome through the entire re-fi process and did a great job walking me through what to expect, answering my questions, and giving me excellent advice. He is incredibly knowledgeable and his attention to detail and customer service is superb. I would absolutely recommend anyone looking to buy or re-fi to contact him because he knows his stuff and will ensure a great experience.
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Heather C.
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!
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Rachel Fullum
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 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.
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Susan Gray
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
Wonderful experience! 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!
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user5646616
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
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
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 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
Professional and Responsive Kevin consistently provided accurate and timely information throughout the entire refinance process. He was extremely responsive and always kept me precisely informed and up-to-date. I highly recommend Kevin to anyone who is searching for a knowledgeable, professional, and responsive loan officer.
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csdouglas
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!
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Cindy A.
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!
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LMN
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 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.
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Angela C.
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
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.
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Annette C.
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!
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Rachel F
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.
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Gary
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
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!
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User5646616
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!
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Andrea Ybarra
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
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.
2024 Conforming Loan Limits
The 2024 conforming loan limits are higher than last year’s limits. Check your county today using our easy-to-read 2024 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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