Low Rates, Fast Closings, and Exceptional Service


Loan Officer Kevin O’Connor has over 17 years of experience as a Mortgage Loan Originator. He is fully licensed with the California Department of Real Estate and the Nation Wide Multistate Licensing System (NMLS).

Loan Officer Kevin O’Connor has worked with thousands of homebuyers and homeowners over the course of his career. From first-time homebuyers to experienced property investors, he has earned the reputation of putting his client’s priorities first.

Loan Officer Kevin O’Connor is a trusted advisor who has a wealth of knowledge and expertise. He has a “Five Star” rating on Zillow along with “Five Star” ratings on Google and Yelp.

Helping Homeowners Achieve Their Dreams” – Loan Officer Kevin O’Connor

Founder and Content Creator of Koloans.com

Loan Officer Kevin O’Connor is the founder and content creator of koloans.com. Every year thousands of homeowners use koloans.com as their primary resource for mortgage education and information.

Koloans.com Is Trusted By Forbes.com

Loan Officer Kevin O’Connor’s website Koloans.com is a trusted resource of forbes.com.

Frequently Asked Questions (FAQs)

What is the average mortgage payment in California?

As of November 2022, the average mortgage payment in California was $3,605, according to Koloans.com. This is based on current mortgage rates, a 20% down payment and California’s average home price index.

Forbes.com Advisor – Mortgages

Koloans.com Is Trusted by Intuit

Intuit is a company that runs several businesses that are household names including TurboTax and Credit Karma. Here is an updated article from 2022 The Mortgage Refinance Process in 7 Easy Steps and one of their sources is Koloans.com.

Loan Officer Kevin O’Connor Featured On Expertise.com

According to Expertise.com, Loan Officer Kevin O’Connor is an expert in his field and has Five Star Ranking.

At Expertise.com, we make it easy to find the best local experts, every time.

Finding the right highly-skilled professional takes significant time and effort, including in-depth research, detailed comparisons, and deciphering which online reviews are reliable and authentic. Expertise.com features only objectively quantified and qualified professionals hand-picked by our selection process. We do the research to understand what’s important when searching for experienced professionals — whether dentists, attorneys, or roofers — so our readers trust that when we say a company is one of the best, it is.

Loan Officer Kevin O’Connor – Expertise.com

JB Mortgage Capital, Inc.

Loan Officer Kevin O’Connor works for JB Mortgage Capital, Inc.

JB Mortgage Capital, Inc. is an “Accredited” business with the Better Business Bureau and has an A+ rating. JBMC, Inc. also has a AAA rating with the Business Consumer Alliance (BCA) and is fully licensed with the State of California Depart of Real Estate and Nation Wide Multistate Licensing System (NMLS).

The company has built a strong reputation within the industry and has made significant strides to bring the best possible mortgage terms to every client. JB Mortgage Capital, Inc. also uses the latest technology to ensure a quick and efficient transaction.

Clients of Loan Officer Kevin O'Connor

Putting Clients First

We pride ourselves on providing superior customer service with our one-on-one personal service program. One of the main things that sepperates Loan Officer Kevin O’Connor from the competition is that his clients receive one-on-one personal service from application to closing.

What exactly does that mean?

From day one until the day your loan closes you will work directly with Loan Officer Kevin O’Connor; you will not be passed from person to person at each step of the process like most other mortgage companies.

No more explaining something 4 or 5 times, no more missing documentation, and no more delays until the next department gets caught up! This is just one of many ways we work hard to satisfy the mortgage needs of our customers.

Low Home Loan Rates

We update our current mortgage rates throughout our website. Every day we bring you a detailed analysis of what’s going on with mortgage rates so that you can make a better-informed decision. Our low mortgage rates are below national averages and are some of the most competitive mortgage rates in the entire industry.

Cutting-edge Mortgage Origination Technology

Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.

In a rush? Not a problem.

We can close your loan fast. The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are all used to deliver speed and efficiency to the loan process.

From mortgage processing and underwriting to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We’ll keep you informed every step of the way. We’re committed to building rewarding, long-term customer relationships.

With that in mind, at JB Mortgage Capital, Inc. you’ll receive the highest quality of customer service possible.

The Loan Programs We Offer

The below programs are for both purchase applications and refinance applications. Unless loan volume is unusually high we normally can close a refinance or purchase transaction in less than four weeks (sometimes less than three).

  • Conventional loans
  • Conforming loans
  • FHA home loans
  • VA home loans
  • Reverse mortgages
  • Specialized loan programs

From first-time homebuyers to seasoned investors; we have options to meet your needs.

Privacy Policy, Disclosures, And Terms Of Use

We take your privacy which is why we have an official Privacy Policy page, disclosures, and terms of use throughout the website.

Privacy Policy

The most important thing we’d like our visitors to know is this:

  • We never sell your information to anyone.

You can read more about our privacy policy here.


Please review our website and company disclosures.

Terms Of Use

Please review our Terms of Use for koloans.com.

Meeting Every Challenge

We rapidly respond to new opportunities made available in today’s dynamic mortgage market. As a result, the needs of our customers are consistently met through our exceptional service, unique mortgage programs, and flexible underwriting guidelines.

We often identify niche mortgage programs that are essential to satisfying individual mortgage customer needs and we continue to look for ways we can make the loan process more efficient. This brings down costs and provides for a better client experience.

At any point in time during the loan process, Loan Officer O’Connor invites you to ask questions to ensure you are up-to-date and informed.

From multi-million dollar transactions to $100,000 transactions, from Fannie Mae Conforming Loans and Freddie Mac loans to Jumbo Loans; Mr. O’Connor has the knowledge, experience, and ability to find the best possible mortgage terms for his clients. Not hearing back from the loan officer you’re working with?

Then contact Kevin O’Connor today and see the difference in working with a loan officer who always responds promptly to his clients: 1-800-550-5538.

Mortgage Expert Consumer Tip

The best thing you can do when refinancing a mortgage or buying a home is to surround yourself with a highly respected team that will put your interest first. That means working with a highly-rated mortgage company and if you’re buying a home a well-respected and experienced Realtor.

Cutting corners by working with questionable companies will only cost you money in the long run. When it comes to mortgage companies; anyone can quote a low-rate mortgage. The important question to ask is, can they close it as quoted? Companies that have a questionable rating with organizations like the Better Business Bureau have a history of quoting a low rate and closing at a higher rate (and more fees).

Avoid these companies and obtain 2-3 quotes from reputable mortgage companies that have high ratings and a long history of providing low mortgage rates to homeowners in California. From there choose which company is going to best suit your mortgage needs.

Information you’ll need when requesting a quote

  • Your credit score range
  • The county name of the property is located in
  • For a refinance – requested loan amount and estimated home value
  • For a purchase – purchase price and down payment

If you are looking for a bit more than just a quote and want to know if you might qualify then have the following as well:

  • Annual base income – W2 employee (estimate is fine)
  • Annual net income – Self-Employed (estimate is fine)
  • Total monthly debt payment amount (excluding your mortgage)
  • For a refinance – how much you pay for your homeowner’s insurance

You won’t get an “official” pre-approval over the phone but with the above information, the Loan Officer can give you a good idea if you qualify and if it’s worth completing the pre-approval process.