Client Reviews And Testimonials

Loan Officer Kevin O’Connor reviews and client testimonials. Low rates, fast closings and industry leading service are the reasons so many people in California work with us. Kevin has a five star rating on Zillow, Yelp, Mortgage101 and with the Better Business Bureau. JB Mortgage Capital, Inc. has an A+ rating with the Better Business Bureau and the top rating with the Business Consumers Alliance (BCA).

“On behalf of my family I would like to thank you for all your assistance and effort to get this mortgage approved at a lower rate. We sincerely appreciate it and we’re truly happy working with you.”

Eric S. - Arcadia CA

“Thanks so much for mentoring us through our first home purchase. We could not have done it without your help the whole way through. Let’s be sure to keep in touch and someday in the future we’ll work together again!”

Huong P. - San Jose, CA

“Kevin was the most tangible person I’ve dealt with in home mortgages. Anytime we had a question posed to Kevin, Kevin was available via phone and via email PROMPTLY. Kevin was able to handle ALL of our questions and concerns with out any doubt.”

Michele & Mark S. - Simi Valley, CA

“Thank you for all your hard work. I know this was a tough one and I appreciate your extra efforts. I’ll try to send you as much business as I can. I don’t know what I am going to do with all my free time now that I won’t be calling you 3 times a day. Thanks again.”

Yoram L. - Brentwood, CA

Thank you so much for making our first home buying experience a pleasant one. With any home purchase there can be many pitfalls, and I appreciate the way you were able to guide us through the process (even when I was freaking out a little). Your prompt replies to my questions, and eagerness to run different mortgage scenarios for my wife and I really helped us find a mortgage that fits our needs. I will be happy to refer my friends to you. Everything went off without a hitch, and we love our new home!”

Mike F. - Culver City, CA

“As a first time home buyer, I really didn’t understand the whole mortgage business. Kevin took me through each step and educated me on the whole process. He was diligent, organized, and always kept me abreast of new developments. He worked hard to provide me with many different options from which to choose. I felt confident that if something needed to be done, Kevin would make sure to follow it to completion. I recommend him highly !!!”

Matt T. - Woodland Hills, CA

“Thanks a lot for your help. I really enjoyed working with you. Thank you for being clear and honest all the way through. It’s a great bonus that the closing costs were so low.”

Rachel M. - Los Angeles, CA

“Thanks Kevin.  Appreciate your services, and have recommended you to others.  If we have any further questions we will give you a call. Wishing the best for you and your family this holiday season, and beyond, as well.”

Mike M. - Eureka, CA

“Thank you so much! It has been a very good experience to do business with you.  I will refer you if I know somebody who needs a home loan.”

Jack Z. - Tulare, CA

“Thank you for being such a great partner through this process, again. I appreciate everything and hope that you have a great week.  If rates keep going down, I suppose we might be chatting again.”

Donna S. - San Diego, CA

“Working on this re-finance with you was surprisingly pleasant. I thought the process was very quick, efficient and painless. You patiently and quickly answered all my questions, you never pressured me and you did it all with an easygoing manner. I will certainly forward your info to anyone asking.”

Mark K - Carlsbad, CA

“Thank you Kevin for all your efforts. It’s nice to know there are still people out there that provide a good service. I appreciate you taking the time to explain to me my different loan options, finding me a loan that I could afford and calling back when you said you would!”

Jason B. Los Feliz, CA

“Thank you so much for all you did for us.  We appreciate it.  It was a pleasure corresponding with you.  We would recommend you and JB Mortgage Capital to any of our friends who are planning to refinance.  Thanks again.”

Kathryn C. - Livermore, CA

“Kevin provides a rare combination of economic knowledge, mortgage industry experience, coupled with the ability to convey this information in an honest and informative way. I look forward to closing my next home purchase with his assistance.”

Jeff C. - Los Angeles, CA

“Thank you again for all your help with our refi. It’s truly a pleasure and always easy to work with you. We will continue to espouse the benefits of your services to our friends!”

Jim T. - Pasadena, CA

“I want you to know that Mary and I are grateful for the work you did for us, it has surely helped our financial situation. I would gladly recommend your services to anyone looking for a home loan.”

Greg C. - Camarillo, CA

“It was a pleasure doing business with you. I felt you were behind me all the time. Thanks so much again.”

Norman M. - Alameda, CA

“Great – thanks Kevin. I appreciate your leg work in getting this done and open communication.”

Neal N. - Los Angeles, CA

“I want you to know that Mary and I are grateful for the work you did for us, it has surely helped our financial situation. I would gladly recommend your services to anyone looking for a home loan.”

Greg C. - Camarillo, CA

“It was a pleasure doing business with you. I felt you were behind me all the time. Thanks so much again.”

Norman M. - Alameda, CA

“Great – thanks Kevin. I appreciate your leg work in getting this done and open communication.”

Neal N. - Los Angeles, CA

“Thank you…..I will definitely contact you if I need any mortgage service in the future.”

Alec C. - Costa Mesa, CA

“You did an excellent job!”

Mike D. - Santa Clara, CA

“Thank you, Kevin.  You have been very helpful and patient through all of this.”

Kathy C. - Granda Hills, CA

“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.”

Jennifer H. - Carlsbad, CA

“Kevin was very easy to work with, great communication, always had updates when promised. Allowed me to keep my focus on work and other family matters while behind the scenes, my Refi was moving along.!”

Bruce B. - San Diego, CA

“We’ve used Kevin a couple of times in the past with refinancing of our home & he was a real pleasure to work with! He was well versed & privy in the whole mortgage/refinancing arena & kept us well informed at all times of the process and what was expected for both the banks & of us. Kevin was very approachable & helpful in making sure that we chose the best loan for us! I would highly recommend Kevin with any mortgage/refi needs.”

Hilary N. - Half Moon Bay, CA

“I 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.”

Doug J. - Corona, CA

“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!”

Lori N. - Mission Viejo, CA

“Kevin was great to work with from start to finish. He was able to get me a loan when two other loan officers in the San Diego area were not able to do so. I was very impressed and pleased by his ability and the results of his work.”

Joseph R. - Oceanside, CA

“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.”

Susan G. - Tahoe, CA

“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.”

Gary C. - Manhattan Beach, CA

“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.”

Heather C. - Rancho Santa Margarita, CA

“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.”

Cindy D. - Pine Valley, CA

“What a great experience working with Kevin. A true professional who was honest and direct throughout the entire process. Not a pushy salesman by any means. Look forward to working with him in the future. I would highly recommend working with Kevin and JB Mortgage Capital, Inc.”

Russell, K - Riverside, CA

“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!”

Mike R. - Mount Shasta, CA

“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.”

Abhay D. - San Diego, CA

“JB Mortgage capital is wonderful to work with. Kevin has been so easy and effective to work with during our new home purchase and refinanced. This last time was our 5th mortgage with Kevin. Definitely recommend JB MORTGAGE over all other options out there.”

Mike B. - Mount Shasta, CA

“Kevin was a pleasure to work with from start to finish. My wife and I found him to be very knowledgeable and prompt with the entire refinance process.”

Steve H. - Bakersfield, CA

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About Loan Officer Kevin O'Connor

About Loan Officer Kevin O'Connor

He is the founder and main contributor of koloans.com. He has over 15 years of experience as a Mortgage Loan Originator (MLO) and is a fully licensed with the state of California and the Nationwide Mortgage Licensing System (NMLS). He has a top rating with the Better Business Bureau and a top rating with Zillow. He continually delivers the results homeowners are looking for; low rates, fast closings and exceptional service: "Helping Homeowners Achieve Their Dreams"  CA DRE #01499872 and NMLS # 247447