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Welcome to your one stop shop real estate solution.
We strive day in and day out to provide our clients with the absolute lowest available rates and fees. This is the core of what we do. We are wholesale mortgage brokers and our commitment is to you the borrower, not the banks. Therefore, we are not tied into any one banks rates, we get to shop them all. Our clients are clients for life, most of our clients have used our expertise for all their real estate needs time and time again.
Welcome to the official site of KAM Financial Mortgage. We are a full service mortgage company based in San Diego, CA. We specialize in Jumbo loans, VA, FHA, Conventional, Self-Employed, and Hard Money Loans in San Diego, Encinitas, and Carlsbad. We also serve the surrounding cities in San Diego County. Whether you are buying a home or refinancing in any of these zip codes: 92121, 92024, 92009, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
In terms of Purchase Loan programs, we offer the following:
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
What makes KAM Financial Mortgage unique is that we offer the following niche programs as well: Self Employed Bank Statement, DSCR investor loans, Hard Money.
Contact KAM Financial Mortgage today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
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"Jon is the first Loan Officer that I felt comfortable trusting. He is efficient, honest, and a pleausre to work with. He helped me to refi my condo and I could not be happier. I have recommended him to my friends and family."
— Oglesmo . (San Bernardino)
"I got to work with Jon on a recent transaction, and he did a great job, even though it wasn't an easy one. He did a great job communicating throughout the process, which is huge. He pushed through any obstacles that stood in the way to get over the finish line. Thanks Jon!"
— Jerome E.. ()
"Working with Jon is always an awesome experience. We have done multiple loans with him over the last 20 years, and he is always the first to call when we should consider refinancing and have the ability to lower our rates. We love that he watches our for us even when we don't ask and that he makes what could be a difficult process so easy. I would highly recommend anyone I know to work with Jon on their next loan!"
— Mindi F.. (Encinitas)
"So I want to start off by saying Jon is a real mentch. He is honest and he worked really hard for me to get the best price he could. The fact that he made me feel like I was his number one client even though I was only looking into a small deal was really nice."
— Eliahu E.. ()
"Jon Rozansky Helped me buy a home I've had the pleasure of working with Jon as the buyer and seller of multiple properties. I can only say great things about all of our transactions."
— Shuyg S.. ()
"Helped me buy a home Jon Rozansky was my Realtor and Mortgage Loan officer on my new home purchase. He has exceeded all of our expectations. Jon negotiated on the offer and got my it accepted over 12 other offers! Jon also got me the best rate on my loan after I received from my bank and did my loan. He was calm and collected throughout the entire transaction, his professionalism helped us understand the process and even coached us on improving our Fico scores. He arranged the close of escrow and my move in date perfectly!. Mr. Rozansky gets 5 stars from us, I recommend using Jon for your next real estate transaction, I will happily refer him to anyone looking to buy, sell and refinance a home. You were wonderful Mr. Rozansky. Thank you, Thank you, Thank you!!!"
— Steve S.. ()
"We worked together Jon is a true professional. He helped us purchase our home and went above and beyond to get us the best deal. We highly recommend his service and trust. Thank you Jon"
— Rudy Y.. (Oceanside CA.)
"This is my 2nd refinance with Jon Rozansky, he is knowledgeable, honest, very trustworthy and fast! I was concerned I would need to do some improvements to my home prior to an appraisal, but Jonathan got me an appraisal waiver, saving me money and time from scheduling with an appraiser. He searched his lenders to find me the rate I wanted and my refinance closed escrow in 11 days with a 30 year rate was in the 2's. Jonathan's professionalism and communication was great, he always answered my call or texted he would return the call if he was in a meeting. His extremely hard work and diligence for his clients is unmatched. I will recommend Jonathan to anyone looking for a mortgage loan. "
— Kehinde C. (Encinitas )
"Jon Rozansky Helped me buy a home Jon Rozansky is extremely knowledgeable about buying/selling a home. We spent a quite a bit of time looking for the right property for me. He was responsive to all my calls and emails, he was proactive in negotiating the price and conditions and he worked around my schedule and availability. I will use Jon again next time I buy/sell a home."
— Larry B.. (Carlsbad CA)
"Jon was not only professional but thorough and fast. Everything was completed online and this was great. Everything was very positive and the very best refinancing experience ever!! When I compare the refinance with him to the others in the past, it is not even comparable! In the future, he will always be my "go to person" for refinancing. There is not one thing I can come up with that was below 5 stars. He explains everything in detail when you ask and really makes refinancing "a breeze". Up front, he made everything very clear and as to what was going to happen and when as well as what he would need. The end result was exactly what I wanted and what he said he could do! If I ever have to refi again, I will be calling him right away! Everything was perfect!! Call him....you will not be sorry and you will not find any better service...honest, professional, understanding and quick!"
— Donna R.. (Oceanside CA.)
"I got to work with Jon on a recent transaction, and he did a great job, even though it wasn't an easy one. He did a great job communicating throughout the process, which is huge. He pushed through any obstacles that stood in the way to get over the finish line. Thanks Jon!"
— Ron M.. (San Diego)
"Hold on to your seats ladies and gentlemen as this may be a long one! We reached out to Jonathan towards the end of last year in order to do a refinance that was both complicated and for a relatively small amount. Despite these two factors, he treated us with 100% professionalism and worked his tail off in order to get this deal done! From the moment that I first contacted him through the Yelp app, to even beyond the time the deal was closed, he has been a pleasure to work with. He is honest, upfront, and doesn't sell or peddle any fluff. He is very knowledgeable about all aspects of purchasing/refinancing. I was originally going to use my VA Loan but he advised me to use conventional financing as the rates are (or at least were at the time of our inquiry) super low. We ended up getting a lower rate going conventional than what we would have got if I had done VA! The amount of communication and diligence on his part is most likely unparalleled. He was on the ball consistently and never let us down. He pursued lower rates aggressively, and worked around the schedule of my wife and I which is pretty hectic to say the least. He was available at almost all hours to communicate and help us move forward in the process. We ended up closing the refinance several weeks ago and I could not be happier to review and endorse Jonathan for your home purchasing/refinancing needs. He answered hundreds if not thousands of communications and worked hard till the deal was finished. Excellent work ethic, character, and great guy overall. Definitely would recommend Jonathan to anyone who is in need of real estate financing needs. Thanks again Jonathan for everything!"
— Jason K.. (Los Angeles)
"5-star rating for professionalism and right amount of communication. Working with Jon on the refinance of my home has been a delight. Jon's loyalty is with his clients and provides the best and most competitive rates on the market. Jon was able to lock 1.75% for me and all of the paperwork was done in the convenience of online transactions during the CoVid-19 pandemic. Highly recommended and would gladly avail of Jon's services again!"
— AJ A.. (San Diego)
"Jon Rozansky Helped me sell a home Jon was the best to work with in selling our home. He knew all the ins and outs of the business and his knowledge of financing was a real plus over other agents. He is always polite and helpful. I would refer him to friends and family without hesitation."
— Timothy R.. (Escondido CA)
" Jon Rozansky Helped me sell a home Jon Rozansky is an awesome realtor and loan officer. He sold our former home and helped us purchase our new home. He also helped us secure our loan. He is professional and reliable. He did such a great job! We made more than we thought we would when selling our house and paid less when buying our new home. I highly recommend him."
— Thomas G.. (San Marcos CA.)
"Our experience with Mr. Rozansky was way beyond what we expected. He goes above and beyond the norm. Always keeping in contact and updating us. Mr Rozansky is very knowledgeable and was always willing to help in any way to make the process easier for us. He found the lowest rates and costs on our refinance. He took the time to explain every detail and was always patient with any of our concerns. He is easy going, genuine and very personable. We enjoyed working with Mr Rozansky and will use him for all future finance needs. I have and will recommend him to my friends and family."
— Jessica O.. (San Diego)
"I would highly recommend Jon and his Team to anyone! Jon was with us from the beginning and all the way to the end helping, guiding, explaining, looking out for our best interest, making sure that all other parties were doing their jobs efficiently and was able to close escrow a day early! In today's day and age it's extremely hard to find a reliable, hard working, standup person like Jon ! Jon and his Team are exactly what I was looking for and more. Thank You Jon Rozansky & Team for making My Families Dream Come True!"
— T.D. (San Diego)
"I signed up for Quicken Loans. The next thing I know, Quicken Loans hooks me up with Jon. Never met him face to face since he lives in San Diego and I live north of Sacramento. What I can say is that Jon did the legwork for my loan and all I had to do was answer questions and sign forms. I would recommend Jon to anyone looking for a loan. I ended up going with a different loan company other that Quicken, but that is because Jon found me a better rate somewhere else. Work with Jon, you won't be disappointed."
— Bradley M.. (Santa Clara)
"To say Jon Rozanski is a good mortgage broker is a misnomer. Jon epidermises what a great/awesome loan broker should be. My wife and I went with Jon when when we first bought our home 11 years ago when the owner from which were renting from offered us first chance at the house. We thought to ourselves "Right, how can two school teachers afford a house in San Diego at the height of the real estate market?" Jon looked at our numbers and said "Yes, we can do this." Fast forward 11 years and that brings us to October 2017. We had our original first and a second mortgage, plus paid property tax out of pocket every 6 months, and were sending our kid to college in northern California out of pocket.; Yikes this was getting expensive. We called Jon and asked about a refi and he crunched numbers and low and behold, we consolidated our first and second, plus added an impound account and insurance for just a slight bit over what we were paying for our first and second alone. Jon was able to work the numbers and get things going so that when we started back in late August we were closing and closed by the beginning of October. Jon keeps in contact with his clients throughout the entire process and truly cares about the best interest rate. When we started we were looking at a rate over 4% but Jon said that we should wait a week to see what would happen and sure enough the rate we locked into was 3.9%. The two weeks before we closed the rates went back to over 4%. Jon knows the market and is more of a coach than a loan broker. He will tell you when to get in the game and when to wait. He will also pat you on the back when you need it and if necessary give you a kick in the behind when those papers need to be in. Jon is already lining up our next refi if the market responds in our favor. Jon is a true friend who just happens to be our mortgage broker. Thanks Jon!"
— Darrel K.. ()
"I have known Jon Rozansky for many years, and we have done a refinance with him as well as a home loan. We have had a very positive experience with Jon. He is Knowledgeable, professional, and very patient. He explains everything in detail, and provides a spread sheet so that everything we are doing and have done is very clear. Our credit was good, but he also helped our credit increase drastically by giving us excellent advise. He is a true gem, and really cares, I highly recommend Jon Rozansky - This was my review in 2015. My husband and I did a refinance with Jon Rozansky, recently. The transaction was very smooth and was pretty darn stress free. We were very happy with his professionalism in disclosing everything and asking if we had any questions. He was very forthcoming in his answers, he helped us with the loan that went quickly and we were again, very pleased. Thank you Jon, this is our 3 time utilizing him, and we are so happy. Jon Rozansky was awesome."
— Barbie G.. (San Diego)
"I have known Jon Rozansky for many years, and we have done a refinance with him as well as a home loan. We have had a very positive experience with Jon. He is Knowledgeable, professional, and very patient. He explains everything in detail, and provides a spread sheet so that everything we are doing and have done is very clear. Our credit was good, but he also helped our credit increase drastically by giving us excellent advise. He is a true gem, and really cares, I highly recommend Jon Rozansky - This was my review in 2015. My husband and I did a refinance with Jon Rozansky, recently. The transaction was very smooth and was pretty darn stress free. We were very happy with his professionalism in disclosing everything and asking if we had any questions. He was very forthcoming in his answers, he helped us with the loan that went quickly and we were again, very pleased. Thank you Jon, this is our 3 time utilizing him, and we are so happy. Jon Rozansky was awesome."
— Barbie G.. (San Diego)
"Helped me buy a home Jon was like a friend Ron and I had known all our lives! We just moved to Ca. a year ago, and being seniors, he just took such complete, sincere care of us. We were blessed at his immediate response, getting us just a perfect home. We can not thank him enough, and recommend him and his kindness. Thank you, Jon."
— Ron & Elain M.. (Oceansid)
"I found Jon on the internet in 2010, when trying to decide what to do with the house payment I could no longer afford. So glad I did! He helped us short-sell the house, and made the process very easy. We continued to stay in touch over the next few years, when I had questions about whether or not I was able to buy another house. He gave me tips to improve my credit while I waited for the short-sale to fade from my credit report. Then in 2015 he got me pre-approved for a loan to buy again, even though I don't live in his area. I found a great house, and Jon helped me keep my sanity every step of the way, which was not easy! He got me an incredible loan with an amazing interest rate and low down payment. He's the best, I tell all my friends to use him, and I will never use anybody else, no matter where I live. Thank you Jon!"
— Marianne M.. (South Lake Tahoe)
"Jon was great to work with. He pushed to get us a lower interest rate the week our refi was set to close. He was always available to answer any questions and so helpful. Thanks for saving us $$$ "
— Staci M.. (Orange County)
"After my wife and I finally found our dream home and our offer was accepted in the fiercely competitive LA market our broker let us know, in the 11th hour, that the deal was dead and there was nothing else he could do. ENTER JON ROZANSKY Jon, who was referred to us by a family friend in our time of crisis, told me straight up that he could get the deal done, and he did! I could go on about how great Jon is as a person, what a pleasure it has been working with him through this process and how assuring he was through what was a very uncertain period. With that said, I just hope everyone can understand that Jon moves mountains and makes the impossible happen. How he got us our deal is beyond me, but he sure delivered! The next time I hear of anyone in need of brokerage services, I will not hesitate to recommend Jon. My only regret is that I didn't seek him out sooner. Whatever your situation, he'll make you feel at ease and confident with your home buying process no matter how large, small, simple, or crazy. This guy gets things done. My wife and I are now basking in the glory of our new home thanks to Jon."
— Niko H.. ()
"I had the experience of working with Jon Rozansky during a VERY complicated Real Estate Deal. After attempting to close with one lender, which had a unsuccessful result, my client's attorney recommended Jon. I was a bit hesitant, because we were already coming to the end of our contingency period. This property also had a discrepancy with the sq. footage, so it was going to be a real challenge to appraise. Jon found a bank that would appraise the property based on MEASURED sq. footage instead of what showed up on the property profile. He was AMAZING with his follow up and assured me all along it would work out. He really came through! The appraisal finally came in at value and Jon made sure the rest of the escrow went smoothly. He gave me daily updates, which means everything in this business! I will recommend Jon with confidence to all of my clients in the future! THANK YOU JON! You're the best! "
— Paloma F.. ()
" Jon came highly recommended by our realtor, and after working with him, we know why. He was always diligent, courteous, and prompt. As a first-time home buyers, My wife and I appreciated Jon's patience and help with every aspect of financing our home purchase. With his help, and several late night phone calls, we went from "not sure we could qualify for a loan" to "moving into our first home" in about 6 weeks. He found us a great loan at a fantastic rate, and we couldn't be happier with our experience working with Jon."
— Carl G.. ()
"Tried for 3 years to get a refi done with my crazy modified mortgage. Somehow Jon was able to work his magic in 30 days. We worked all night to get the paperwork required for Underwriter contingencies. Would definitely recommend."
— Marlon C.. (San Diego)
"After several frustrating and failed attempts at securing a home loan with Wells Fargo that dragged on for months, with sloppy and snail paced work on their end, I finally told the bank to forget it, and contacted Jon Rozansky. Jon was quick to respond, and handled everything in a fast, honest, and professional manner. He never once blew off a phone call, and when he said he would do something it got done immediately. I have the highest confidence in him and would recommend him without any hesitation. I was extremely satisfied with his performance in securing a home loan for us in a timely and professional way. Thank-you Jon for all your hard work ..it is appreciated! Ruthie Brownlee Ghiotto"
— Ruth B.. ()
"My wife and I were introduced to Jon Rozansky after working with two other lenders that couldn't produce what we needed. We found Jon to be knowledgeable and understanding of exactly what kind of loan we were looking an he actually found us a better opportunity. He worked hard on our loan for over 4 months staying in contact with us everyday and even on weekends. He goes above and beyond what you would expect a person to do. I would definitely recommend him to everyone looking for a professional and personal lender."
— David M.. (San )
"Jon RozanskyHelped me buy a home Mr. Rozansky is an amazing Realtor and Loan officer. He goes over, above and exceeds expectations. Jon was my realtor on a Laguna Beach property purchase. He negotiated on the price and originated my purchase loan. Jon even negotiated a better interest rate on my loan after I was locked! This was a pleasant surprise as it happened without my knowledge.... I was not going to complain! Jon scheduled the timing of my close of escrow & move perfectly. I highly recommend Mr. Rozansky for your next real estate transaction, I will happily refer him to anyone looking to buy, sell and refinance a home. Great job Jon! TS"
— Travis S.. ()
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We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 1039324
www.nmlsconsumeraccess.org
9920 Pacific Heights Blvd. Ste. 150
San Diego, CA 92121
Phone: (619) 392-1234
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