Russell Rivera
Mortgage Advisor | NMLS # 967163
Kal Financial is a DBA of Xpert Home Loans. At Xpert Home Lending our mission is simple: we exist to make the mortgage process easier, more accessible, and ultimately, more rewarding for you. We understand that obtaining a mortgage can be o... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 6 PM
Thu
9 AM to 6 PM
Fri
9 AM to 5 PM
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Reviews from Web
This is the third time I have worked with Russell and everytime it has been a very smooth process. Their website for uploading all of your documents makes it very easy to keep track of what you have done vs what is needed. He also follows up...
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Reply from Owner
July 13th, 2026 09:15 PM
Thank you Lisa! Its been a pleasure serving you and your family!
This is the third time I have worked with Russell and everytime it has been a very smooth process. Their website for uploading all of your documents makes it very easy to keep track of what you have done vs what is needed. He also follows up...
read more
My real estate agent recommended Russell when I was looking into buying my 'forever home' in Foster City. I had a great initial conversation with him, and he instantly made me feel quite comfortable working with him, explaining the ins and...
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My real estate agent recommended Russell when I was looking into buying my 'forever home' in Foster City. I had a great initial conversation with him, and he instantly made me feel quite comfortable working with him, explaining the ins and...
read more
Five stars isn't enough when you deserve 100 stars! Thank you Russell Rivera for your above and beyond help and knowledge on my home loan needs. It all went so smoothly and quicker than I expected.
You are the best!
Russ helped us get our first home and he was great to work with. Even with a few underwriting hurdles, he was super attentive, easy to communicate with and made the process smooth. Highly recommend!
Russell is a trusted lender who takes accountability to another level. He listens well and is a tactical master when it comes to getting it done. He has created tools that helps realtors and buyers/sellers get through the transaction much easier...
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We just finished refinancing a rental property here in the South Bay. After being denied credit issuance by a large national lender, recommended by a family member, I spoke to Russell, we had little savings, no cash reserves and high credit...
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We just finished refinancing a rental property here in the South Bay. After being denied credit issuance by a large national lender, recommended by a family member, I spoke to Russell, we had little savings, no cash reserves and high credit...
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Once I was connected to Russ to secure my VA loan, the process was seamless and quick. His professionalism, knowledge and support was everything needed. He checked in with me regularly and kept me informed every step of the way through closing...
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About
Kal Financial is a DBA of Xpert Home Loans. At Xpert Home Lending our mission is simple: we exist to make the mortgage process easier, more accessible, and ultimately, more rewarding for you. We understand that obtaining a mortgage can be one of the most significant financial decisions you’ll ever make. That’s why we’re here to guide you every step of the way, ensuring that you make informed choices that align with your unique financial goals.
Products & Services
Mortgage Loan Officer
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Mortgage Loans
Jumbo Mortgage Loans
Self-Employed Mortgage Loans
Specialty Investor Mortgage Loans
VA Mortgage Loans
USDA Mortgage Loans
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Positions
- KAL Financial - Mortgage ProfessionalApr 1st, 2012 - Current
- Simply Latex and Supply Co. Inc. - PresidentNov 1st, 2005 - Current
Memberships
- Santa Clara County Association of Realtors
- Peninsula Estate Planners Council
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 967163
Hobbies
- My Dog
- Crypto Currency
- Technology
Disclaimer
Xpert Home Lending, Inc. (XHL) is not a law firm, tax, or financial planning organization. XHL does not provide legal, tax, or financial planning advice. Information and materials distributed by email or on our website provide general subject matter information and are not intended to be, nor should they be utilized or relied on as a substitute for legal, tax, financial planning, or other professional advice about specific situations. If you require such advice, we recommend that you consult with legal counsel or other professional advisors of your choosing. XHL is an Equal Housing Lender. NMLS:2179191 DRE:02166758