Low Rates, Fast Closings, And Exceptional Service.
K.O. Home Loan Solutions
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.
Helping homeowners achieve their dreams.
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.
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
Smooth process and competitive rates I have worked with Kevin on mortgage refinancing few times for my houses for the last several years. Everything through online processes and easy and smooth with the rates that I am pleased.
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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
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eddrials
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
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
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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Christine H.
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
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
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
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
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.
Great Customer Service Experience 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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AColver from Rancho
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
I keep coming back. 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.
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Brian K
Knowledgeable, courteous, very responsive 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
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 H
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
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!
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Erik M.
Besides the low rates, why choose K.O. Home Loan Solutions?
Experience, speed and service.
17+ Years of experience
I have 17+ years of mortgage industry experience, and I’ve worked with thousands of homeowners throughout California.
Closing Speed
We’re set up for fast closings, faster than the industry average. Our technology enables us to process and close your transaction quickly.
one-on-one attention
You will work directly with me, Loan Officer Kevin O’Connor, the entire time from start to end: no call centers, assistants, or processors.
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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