Mark Kalil

Mortgage Broker serving Houston, TX

About Mark Kalil

Mark Kalil is a dedicated Mortgage Loan Originator with First California Financial Group, operating from Orange, CA, and licensed across California. With a deep commitment to finding optimal financing solutions, he leverages extensive experience to guide clients through the complexities of both residential and commercial lending. He prides himself on offering personalized service, ensuring each client receives a tailored approach to meet their unique financial goals.

Specializing in a comprehensive array of loan products, Mark assists a diverse clientele from first-time homebuyers and W2 employees to self-employed individuals, investors, and those with non-traditional income or credit histories. His expertise extends to government-backed options like FHA and VA loans, conventional mortgages, and jumbo loans, alongside niche solutions such as Non-QM, Bank Statement, DSCR, and ITIN programs. He is also proficient in securing financing for commercial properties, including multifamily, retail, office, and industrial spaces, with loan amounts ranging significantly.

Mark's approach is characterized by transparency and a problem-solving mindset, particularly for borrowers facing challenges or unconventional scenarios. He is committed to demystifying the mortgage process, providing clear communication, and utilizing secure digital tools for applications. His focus remains on building lasting relationships and helping clients achieve their homeownership and investment objectives through a broad spectrum of flexible and accessible financing options.

Company Information

Lender Type: Direct Lender
Headquarters: Orange, CA

Licensed In

CA

Certifications & Credentials

FHA ApprovedVA Approved

Digital Capabilities

Online Application
Digital Document Upload
E-Signature

Home Loan Products

Residential Purchase & Refinance

Loan Types:
ConventionalFHAVARefinanceCash-Out RefinanceHELOC
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment ProgramPhysician LoanVeteran ProgramDown Payment AssistanceFHA 203k
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
3.5%
Min Down Payment

Jumbo Loan Program

Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)

Non-QM & Alternative Financing

Loan Types:
Non-QMBank StatementDSCRAsset DepletionPortfolio
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-Employed1099 ContractorInvestorBusiness Owner
Income Verification:
Bank StatementAsset DepletionNo Income Verification
Special Programs:
Self-Employed ProgramBank Statement ProgramITIN ProgramForeign National ProgramAsset Depletion Program
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)

Reverse Mortgage Program

Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)

Residential Construction & Bridge Loans

Loan Types:
ConstructionBridgeHard Money
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Renovation Loan
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)

Commercial Loan Products

Commercial Real Estate Financing

Loan Types:
Conventional CRECommercial ConstructionBridge LoanHard Money LoanCommercial Refinance
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityLandMixed-UseSelf-StorageHealthcare

Contact Information

Professional Licenses

NMLS ID: 236894
2001 Holcombe Blvd
Houston, TX 77030
US
Mailing Address:
1743 W. Katella Ave. Suite 200, Orange, CA 92867

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Business Information

Category: Mortgage Broker
Location: Houston, TX
Status: Standard
Type: Direct Lender
NMLS ID: 236894
Profile Views: 20

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