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.
Awesome Service! Exceptional service and professionalism. Kevin is extremely knowledgeable and straight forward throughout the process. Always promptly reply to all my questions. Kevin gave me all the options and allowed me to chose how to set my loan up. The close process was very organized and fast, and the rate was very competitive. And the closing time, Kevin did some magic. I paid way less fees as compared to fees decided initially. I find him a very helpful person. I highly recommend him!
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Gaurav Singh
have used Kevin O'Connor for 2 refinance loans as rates changed. He is informative and straightforward. answered every question clearly. Kevin made the whole process as easy and comfortable as possible. NO surprises along the way. I would, actually do, highly recommend Kevin for purchase or refinance.
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S4oaks
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
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.
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.
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John B
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.
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
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
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.
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Jr I O C
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
Excellent customer service and money saving mortgages I am pleased to recommend Kevin and share my positive experience. I refinanced my home with Kevin, and the process was easy and resulted in significant monthly savings. Everything was done remotely, which was so convenient for my busy schedule. Paperwork was delivered for my signatures and then sent back to Kevin for processing. He stays in contact every year around the holidays, and would definitely work with Kevin again
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DonnaSandsmark
We found Kevin’s company searching on-line, he had excellent reviews, a Five star rating and we now know why. Kevin is extremely professional and outstanding in the services he offers. We had such a hassle free excellent experience with Kevin for our home refinance. We Highly recommend him, we will be referring all our family and friends to Kevin at JB Mortgage Capital, Inc.
Tami & John
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Tami S
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!
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bakeil
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
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
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
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
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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