Low Mortgage Rates, Fast Closings, and Exceptional Service

My name is Kevin O’Connor (the “k” and “o” of koloans.com). I’ve been a loan officer (aka Mortgage Loan Originator) for over seventeen years and have provided online mortgages to California homeowners and homebuyers since 2006. I work at JB Mortgage Capital, Inc., a licensed mortgage broker in the state of California. I have access to a wide range of home loan programs to serve the diverse needs of my clients.

Loan Officer Kevin OConnor

I am licensed with the California Department of Real Estate and the Nation Wide Multistate Licensing System (NMLS). I have a five-star rating on Zillow and five-star ratings on Google, Facebook, and Yelp. As a Mortgage Loan Originator expert, I have the experience, knowledge, and resources to find you the best possible mortgage.

Quick Facts About Working With Me

  • When you request information or a quote from me, I am the only person that will contact you—no call centers.
  • I do not sell your information to anyone, ever.
  • I work with homebuyers and homeowners who have all types of credit histories. From bad credit to excellent credit. Bankruptcies, foreclosures, divorce, non-owner occupied, and more.
  • I’m known for my one-on-one personal service.
  • From application to closing, you will work directly with me during the entire process. I do not have an assistant or a loan processor. 
  • The mortgage rates I offer clients are typically well below the national average.
  • I never charge junk fees.

Loan Programs Offered

The below loan programs are for both purchase and refinance residential loan applications. 

  • Conventional (Conforming)
  • FHA 
  • VA 
  • USDA 
  • Bank statement mortgages
  • Renovation loans
  • Self-employed home loans 
  • Reverse mortgages
  • Specialized loan programs

From first-time homebuyers to seasoned investors, I have options to meet your mortgage needs.

I Am The Founder and Content Creator of Koloans.com

Koloans.com has hundreds of pages of content that is designed to inform and educate. Since its inception, koloans.com has served over a million visitors seeking the best mortgage information online.

My work can be found on many national websites, including Forbes, Intuit, and House Numbers.

JB Mortgage Capital, Inc.

JB Mortgage Capital, Inc.(JBMC, Inc.) is an “Accredited” business with the Better Business Bureau with an A+ rating.

JBMC, Inc. also has a AAA rating with the Business Consumer Alliance (BCA) and is fully licensed by 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. JBMC, Inc. also uses the latest technology to ensure a quick and efficient transaction.

Privacy Policy, Disclosures, And Terms Of Use

I take your privacy seriously. Koloans.com has an official Privacy Policy page, disclosures, and terms of use.

Privacy Policy

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

  • I will 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.

Contact Loan Officer Kevin O’Connor

Direct phone number to me: 1-800-550-5538

Email: info at koloans.com

Website: Request information or a quote from Kevin

Company address: JB Mortgage Capital, Inc., 16310 Porter Ave., Riverside, CA  92504

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